She's On The Money How to Invest in the Share Market for Kids (Without Losing It All to Tax)
Jan 27, 2026
Practical ways to set up share market investing for children without tripping over tax rules. Clear comparisons of account types and trustee roles for minors. How choosing growth-focused ETFs over high-yield shares can reduce taxable distributions. A real worked example showing long-term compounding and why scary minor-tax rates often have minimal impact. Tips on teaching kids financial confidence alongside investing.
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Power Of Time And Compounding
- Time in the market is the biggest advantage children have for investing because compounding multiplies small, consistent contributions.
- Start small and stay consistent to leverage compound interest over many years.
Victoria's Early Investment For Her Son
- Victoria shares she has an almost-two-year-old son and already set up an investment to show him later.
- She uses the account to build future conversations and financial literacy as he grows.
Weigh Holding Investments In Your Name
- Do consider holding investments in your name if you need flexibility and control over withdrawals.
- Avoid confusing kid-specific rules by remembering capital gains tax triggers when you transfer assets later.