As with retirement, if you plan early enough for your child or grandchild, it takes the burden off your shoulders when the big day arrives for them to go off and fend for themselves in the big wide world of Varsity and beyond.

Did you know you can set up an RA for your Child or Grandchild from age one (1). Instead of putting money into a savings account or the post office book which our grandparents used to do, it is far better to take advantage of the markets over a forced saving period of many decades (40 - 50 years) and not just two to three as most of us do. Now, suppose your child or grandchild gets into the habit of continuing to put money into an RA after they have grown-up and now on their own two feet, the amount they could retire on could be astronomical. We wish that our parents and grandparents would have had the foresight to open an RA when we were teenagers.