How I’m investing for my children’s financial future
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Hi everyone! Here is an October 2025 update for how my husband and I are investing for our two children - our little boy, who is 2 years old, and our baby girl, who is 5 months old.
I’m in charge of the kids’ finances, so here’s how I’m investing to set them up for generational wealth - or at least a financial head start!
Investing
I invest $60 each for my 2-year-old and 5-month-old every week - $20 into each of their accounts (all of which are in their own names):
Sharesies Kids’ Account: A mix of VESG, Pathfinder Global Responsibility Fund, USF, FNZ, and TWF, their average return so far has been 15.85%.
Kiwibank Notice Saver: A reliable PIE fund with a current interest rate of 2.35% (↓4.60%).
Pathfinder KiwiSaver Growth Fund: An ethical KiwiSaver fund with positive investments and a current average annual return (since inception) of 9.7% (↓10.1%).
How much will they each have in 25 years?
Sharesies Kids’ Account: $272,280
Kiwibank Notice Saver: $35,242
Pathfinder KiwiSaver Growth Fund: $102,356
That’s around $409,878 from investing $78,000!
And if they continue investing $60 per week until 30?
Sharesies Kids’ Account: $575,864
Kiwibank Notice Saver: $45,095
Pathfinder KiwiSaver Growth Fund: $169,217
That’s around $790,176 from investing $93,600!
My life insurance
If I pass away, my family is covered for 5 years of my salary (a combination of my personal life insurance and work life insurance).
This way, I have peace of mind knowing that if the worst happens, my husband won’t have to worry about money, can keep paying the bills without any stress, and can grieve and otherwise take his time to decide what to do.
For example, he could sell our house - currently valued at $1,050,000 (↑$1,000,000) - and buy a more affordable one, or perhaps pay off a significant chunk of the mortgage.
My will
Before having children, making a will wasn’t something I considered a huge priority - but as soon as my first was born, I wanted to make sure I got it sorted as soon as possible! Thankfully, my life insurance company covered the cost, subsidising the $820 it cost for my husband and I to write our wills. My will stipulates that if I pass away, my share of our property goes to our children. During this process, my husband and I had to change our ownership from joint tenancy to 50:50 tenants in common - or else 100% of my share would’ve automatically gone to my husband and 0% to our children.
On our to-do list this month? Finally getting our EPA (Enduring Power of Attorney) documents done!
Teaching my child to be mindful with money
Teaching my children to be mindful with money! As they grow older, I plan to teach them about money in ways I was taught as well as ways I wasn’t:
Creating a positive association with money e.g. empowering and inspiring, rather than frustrating or causing conflict
Cultivating a healthy growth mindset
Talking about money and involving them in money conversations e.g. bank appointments
Teaching financial literacy through books, games, and pocket money
Being open and transparent about money - not treating it as taboo!
I hope this has been helpful! I’ve just recently bought a bunch of children’s books and resources to teach my little ones about money, which I’m excited to share next time.
Sophia x
