Perspective For The Grandchildren -- December 2, 2025

From an investment perspective, I don't think the grandchildren could be in a better position.

My first / primary goal is to ensure that each of the five grandchildren leave college with no tuition debt.  

Once the grandchildren starting having earned income -- including summer jobs during high school, we will fully fund their IRAs (traditional or Roth IRAs) until they reach age 29. 

This is why I think the grandchildren cannot possibly be in a better investing position.

Early years: 18 years of age to 28 years of age:

• the grandchildren can take risks
• inheritance from grandparents will result in huge backstop for each of the grandchildren
• at a minimum, the grandparents will provide minimum annual support until age 29
• in addition, grandparents will fully fund IRAs on an annual basis for each grandchild, through age 29
• the grandchildren have multiple IRA vehicles from which to choose, e.g.:
• Vanguard
• Schwab ETFs
• individual stocks

Middle years: 29 years of age to 49 years of age:

• the grandchildren can gradually take responsibility of their annual IRA funding for themselves
• by their early 30's they will have seen how their various IRA options have performed
• they can compare the IRAs that have been funded for the past ten years
• they can then adjust annual IRA funding based on that information
• once their annual IRA contributions have maxed out, they can start to consider non-IRA funding 

Later years: >49  years of age

• it's very possible, the grandchildren will now have more cash available for investing than IRAs allow;
• having established investment accounts (Schwab accounts) over twenty years, grandchildren will have had a chance to get real world experience in investing.