7 Ways Investing for Your Kids Now Could Completely Change Their Future
We’ve teamed up with our friends Sharesies to bring you this post to celebrate the launch of their new Kids Accounts.
This time of year always gets people thinking about what they want the next 12 months to look like. New routines. Fresh habits. A slightly more organised version of ourselves. And for the parents, carers or fun aunties in our community, that naturally extends to the kids in their life too.
If you’re setting money or wealth-building goals for your family in 2026, adding a kids investment account can be a simple way to make a seriously big impact on your kids future. Here are 7 reasons why:
1. It helps kids grow up feeling more confident with money
Most of us only learned about money once things were already going sideways. Kids who see investing happening as part of normal life tend to enter adulthood feeling less overwhelmed by their finances in general. The basics aren’t new to them because they’ve already seen compound interest, patience and delayed gratification play out in front of them, long before they have to manage it themselves.
2. Time gives even small amounts real weight
The most powerful part of investing for kids isn’t the size of the deposits. It’s the time their money spends in the market. Kids have years on their side, and that long runway matters far more than anything else. This is the one area where kids genuinely have a huge advantage, and harnessing it early can make a massive difference later.
3. You can give them more later with less strain on you
There’s a long list of things you’ve probably got that you’d love to help your kids with one day… study, first cars, house deposits, weddings. Investing spreads that load over time. Instead of trying to magically come up with thousands of dollars, you’ve been drip-feeding small amounts for years, and those small amounts can compound into something bigger.
4. It shows them that investing isn’t complicated or exclusive
Kids learn from what they see more than what they’re told. When they see you invest calmly & consistently it shows them that this is something everyday people do, not just the rich. That small shift in perspective can completely change the way they approach money later on.
5. It becomes a powerful, practical teaching tool about how the economy works
Investing for kids also gives them a natural way to understand the world around them. When they see that the brands they love are actual companies they can own a slice of, it helps them make sense of growing their money in a way that feels real and relevant. That head start can make a big difference to their financial futures.
6. It breaks the cycle of “we don’t talk about money”
Many of us grew up in homes where money was only mentioned when something had gone wrong. Investing for your kids brings money into normal conversation earlier, in moments that aren’t stressful or high-stakes, and gives them a much calmer starting point. Over time, it can completely change their money story, from something they avoid to something they understand and feel capable of navigating.
7. It folds neatly into the money habits you’re building for yourself
Kids Accounts work best when they sit alongside your own investing. With Sharesies, you can manage your portfolio and your child’s from the same place, across Australian, US and New Zealand markets, with tools like auto-invest and no minimum investment. It keeps everything together and makes it much easier to stay consistent. If you’re ready to contribute to your kid’s future, you can open an account here PLUS use the code SOTM10 for a $10 bonus you sign up and invest any amount with Sharesies (t&cs apply).
If you want to learn more about investing for kids, we’ve just released a whole podcast episode on it. You can listen here
Thank you to Sharesies for supporting this post and the work we do.
***Please remember our blogs aren’t intended as financial advice - they’re intended only as a starting point to give you a little extra info! For more in-depth advice catered to your personal financial position, please see a certified financial advisor.