星洲日報／投資致富‧企業故事
红包理财术‧年后帮小孩开账户
新年期间，小朋友最期待的莫过于领红包了。有家长会帮孩子全存于一个教育基金账户，或让孩子全权处理，或学习买股票。
把红包平均分3等分处理
银行专家则是建议可把红包平均分成3等分，譬如说可投入定存、基金股票或是保险中，借此让孩子了解不同理财工具之间的差异，还可学习到资产配置与分散风险的重要。
孩子日常很少有机会支配整笔金钱，过年正是学习理财的最佳时机，许多银行理专会建议家长可利用“儿童账户”搭配行动工具，指导孩子理解及练习亲手运用基础投资理财工具，建立理财观同时还能体会“时间复利”效果，帮孩子用压岁钱养出第一桶金。
专家表示，许多家长年后首要之务就是先为孩子到银行开设儿童账户并把红包存入，当孩子拥有自己的账户、存折与资产，会比较容易对金融产生好奇与责任感，有助于后续教育的进行。
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