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Child care

As the younger generation face rising education fees and a steep property ladder, parents and grandparents are seeking investment advice to help, says Lanying Burley

10 July 2013

Clients often ask about investing for and gifting to their children and grandchildren. Everyone has different objectives and risk tolerances, but a well-managed portfolio can be structured to meet specific needs.

The portfolio could include a mix of longer-term growth assets and shorter-term holdings for liquidity. This can help fund education, for example, with the potential to provide a lump sum later on, perhaps towards a deposit for a first property.

Despite stock-market fluctuations, equity investments will typically be a key component. Importantly, equities can provide some protection from inflation, and while recent inflation figures have improved, inflation reached 5 per cent in recent years (in the past, it has been significantly higher).

Investments in equities can form part of a portfolio or be directly in, say, an investment trust bringing access to a spread of UK and overseas investments. Payments into child portfolios are usually m...

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