Take action to prepare for your children's financial future

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Amundi Singapore Limited
Company Registration No.: 198900774E

Summary

Planning ahead for your children?

You want to give your children the best possible start in life.
You might be just starting to think about their future, or perhaps you've been meaning to take action for a while. We help you to find out where to start and which steps to take - so you can make the right choices for your family.

Which family needs should come first?

You might feel pulled in different directions – balancing your children's future needs with today's responsibilities:

The reality is that you need to secure your own financial stability first. This means:

Establishing an emergency fund.
Protecting your family with appropriate insurance.
And planning for your retirement.

This isn't selfish; it's essential. A parent with stable finances is better positioned to support their children's dreams and needs.

mother working while child is hugging her

What future costs should you prepare for?

As your children grow, your financial commitments will evolve.

From the preschool fees to university tuition in the future, each stage of your family's journey brings new financial considerations.

You can't predict your children's exact needs, but you can build flexibility into your planning.

Think of it as creating options for their future, rather than trying to anticipate every expense.

How do you balance multiple children’s needs?

family with 3 children cooking in the kitchen

Your children will each follow their own path at their own pace.

While fairness matters, it doesn't always mean equal amounts at the same time. Planning ahead gives you the flexibility to support each child's journey in a way that makes sense for your family.

Consider setting up separate accounts and planning for overlapping expenses, such as having multiple children in university at the same time.

How can you balance potential risk over time?

In the early years, you have time to recover from market fluctuations and can consider options with higher growth potential. As your children approach major milestones, you might want to focus more on protecting what you've built.

Markets operate 24/7, and staying informed about global opportunities while balancing risks takes considerable time – time you might prefer to spend with your family.

A financial advisor can help you navigate these complex decisions and adjust your strategy as your children's needs evolve.

Whether you prefer to stay closely involved or delegate the day-to-day management, there's an approach that works for you.

couple talking with their financial advisor

How can you stay on track?

You can choose how to manage your family's financial future.

While some take an active interest in investment decisions, many find peace of mind delegating to professionals who continuously monitor markets and adjust strategies.

The choice reflects your priorities and how you want to spend your time.

Tips to remember

Build your financial foundations first and adapt as life changes.

A solid plan will benefit everyone as it gives you peace of mind.

Start early to allow compounding growth to work for you.

This gives your investments time to grow so that you can provide for your children's future.

Leave room to create options rather than plan every future expense.

Life is not a straight line so you need some flexibility financially.

Unless otherwise stated, all information contained in this webpage is from Amundi Asset Management S.A.S. and is as of 20 January 2025. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Neither Amundi Singapore Limited nor Amundi Asset Management S.A.S. accepts any liability whatsoever, whether direct or indirect, that may arise from the use of information contained in this webpage. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.

Date of first use: 20 January 2025

Doc ID: 4064152

Marketing Communication

Amundi Singapore Limited Company Registration No.: 198900774E This advertisement or publication has not been reviewed by the Monetary Authority of Singapore