ETF vs savings for kids: what’s better?

For long horizons (10+ years), investing may be reasonable. For short horizons, savings is safer. Test timelines.

Time horizon is everything

If the goal is far away, compounding time helps investing. If the goal is soon, stability matters.

Is an ETF always better than savings?

No. Savings is often safer for short timelines and emergency funds. ETFs may be reasonable for long horizons.

What timeline suits ETFs?

Many people prefer 5+ years, but it depends on volatility and your flexibility.

How do I compare properly?

Use the same contributions and timeline in the ETF vs Savings calculator and compare outcomes.

Does this include tax/fees?

No. Treat results as estimates and use conservative assumptions.

What’s the simplest next step?

Run a conservative savings scenario and a conservative ETF scenario, then compare.