How can we invest for our grandkids when markets are so volatile?

August 30, 2026 — 5:01am

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Currently, I have investment bonds for my grandchildren invested in a high-growth option, given the money will sit in their for a long time. With the arrival of a new child, and perceived increased uncertainty in the market, is this still the way forward? Should I now be taking a more conservative approach?

In a word, no. There is always market noise, and if we look for it, a reason to convince ourselves to sit on the side lines. Markets today are no more uncertain than they were last year, or 10 years ago. They will rise around 4 out of 5 years. Negative years will happen, and are part of investing.

The higher returns you receive from stock market investments is the compensation you get for tolerating occasional negative returns. This investment for your new grandchild will likely run 20 years plus.

Over that time span the positive years will significantly........

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