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Family Investing - Got a Bun in the Oven? Start Saving Your Dough

Family Investing – Got a Bun in the Oven? Start Saving Your Dough

Parenthood has a way of putting things in their proper perspective. Now that you are responsible for someone else’s health and financial future, you become more aware of your own money situation.

Family Investing - Got a Bun in the Oven? Start Saving Your Dough

Starting a family? Start making a financial plan. License: Creative Commons, Link

From the cost of monthly doctor appointments to buying formula, diapers, and baby clothes, it can be hard to think about college planning when you’re just trying to keep your head above water. Keep in mind that the earlier you start, the easier it will be.

Saving for your baby is your responsibility. While we understand that we live in difficult times where money is often difficult to come by, there are still a number of investment opportunities that can help secure your child’s future.

1. 529 Plans

529 Plans are a great way to grow your child’s money and save for their college education. These plans come with a tax deferred policy when used for educational purposes and will only be subjected to 10% tax when used otherwise. Some states even consider 529 plans as tax deductible, which means that once you start your 529 plan for your baby, you will be entitled to additional tax cuts.

Moreover, these types of investment plans allow generous grandparents, uncles and aunts, godparents, and other loved ones to also help grow the fund. The plans are not subjected to a contract that determines when you need to use it. Let’s say your child is brilliant and earns a scholarship. They can hold off and use the funds for grad school.

2. Stocks

Investing in stocks is something that you can look into even if your child is still in diapers. Index funds are a great way to educate your child over the years as they see the ebb and flow of the market. The earlier they can grasp the concept of compounding interest and the importance of savings, the better their future financial decisions will be. Even a small investment can really pay off with the extra 20 years of growth, and give your child a great start on their retirement.

3. Custodial Account

This is actually a type of brokerage account that you can manage on behalf of your new baby. The good thing about these kinds of accounts is that they come with their own tax advantages and are not limited by numerous restrictions. As such, you can withdraw from it and use it anyway you want as long as it is for the benefit of your child. When your child hits the right age, they can also opt to use this money to finance their education or to set up their own business.

4. Savings Account

Opening up a traditional savings account for your bundle of joy is an excellent way to start saving for your child’s future. Depending on how much you earn, you can opt to stash a small percentage of your monthly earnings in your baby’s account and watch it grow with your child. Furthermore, your son or daughter can also use this account once they start saving money from their school allowance or babysitting jobs.

As a new parent, it is important that you are looking out for your child’s physical AND financial health. These are just a few of the investment options will give them the start they need for a bright future.

Brenda writes about all topics connected to happy and healthy babies. From using a pregnancy conception calendar to plan around peak ovulation periods to smart financial steps that will give your baby a head start in the world.

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