之前喺記帳個篇都有同大家分享過有啲小朋友會將所有零用錢畀晒阿媽保管,而自己就唔知道自己有幾多錢嘅。當小朋友見唔到、睇唔到、觸摸唔到啲錢,就唔會對自己嘅財富有概念,所以記帳時用紙筆將每一項收支項目寫低,印象會更加深刻,對錢嘅意識亦都會比較強。即使小朋友有自己嘅銀行戶口,但因為而家嘅銀行存款利率實在太低,所以複利息嘅效果並唔係咁顯著,咁樣對小朋友儲蓄嘅意欲大大減少。家長可以考慮吓幫小朋友開嗰月供股票、指數基金或互惠基金嘅戶口,定期定額進行投資,加強財富增值嘅效果。
而且因為小朋友仲細,承受投資風險嘅能力反而越強,當然更重要嘅係要定期俾小朋友睇番自己投資戶口嘅表現,同佢一齊分享儲蓄、投資所帶來嘅成果。

If kids simply pass their pocket money to parents without literally touching & counting money, they might not have a strong sense of ownership of their assets. Even if they have their individual bank accounts, compounding effect would not be significant to motivate kids’ to save. Parents might consider setting up monthly equity investment accounts for their kids. Investing, by using dollar cost averaging, can strengthen the effect of wealth accumulation, especially when they are still young.