Martin Lewis

Nothing else.

I mean, if she's concerned, you could probably start with a half-half.

You know, I'm not saying you should do that, but I'm saying we have to manage people's attitudes to risk.

And if your wife's concerned, an easy way is, you know, you're giving each child £30 a month.

Why not give £15 in your cash and £15 in a share's ISA?

It doesn't matter.

You know, start it off and see how it goes, unless you decide to go the whole hog.

but don't feel you need to go.

And I don't say this from a financial perspective.

I say this from a psychological comfort perspective.

If this is a new and a different way for you to be, don't feel you have to go the whole way at the start.

I mean, the most important thing I would think is start to dip your toe in that water and do it in a way that you're comfortable with.

But let's go back.

They can't need it until they're 18 because you cannot get that money out until they're 18.

So we're not saying they have to permanently invest this.

We're only talking about investing it while they're a child.

And your youngest has nearly 18 years of that money to be locked away.

Now, unless you were – it was a very unlucky period, and that's always possible –

The likelihood is the outcome will be better being in shares than in cash over that length of time in a very broad spread of investments, obviously not in an individual share or something like that where you've got high risk.

So I want to be careful what I say, but certainly for any children I'm connected to or know where I have a familiar relationship with, so that's not just my own, that's other, I would always push towards a shares ISA.