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Hogyan tudom gyermekem jövőjét megalapozni anyagilag?
Egy gyermek felnevelése nagyon sokba kerül (ha több van, arról nem is beszélve) pláne ha minden szükséges segítséget meg szeretnénk adni neki(k). Itt persze nem a méregdrága sportkocsira gondolok, a mindennapi élethez szükséges költségek is számítások szerint több tízmillió forintba kerülnek, mire a gyerek felnő. Az igazán nagy összegeket igénylő beruházások pedig még el sem kezdődtek!
Olyanokra gondolok, mint egy nívós (esetleg külföldi) egyetem díja, vagy a lakáshoz jutás megalapozása. Egy felelősen gondolkodó szülő meg szeretne adni minden tőle telhetőt a gyermekének. Annyit legalább mint amennyit ő kapott a szüleitől, hiszen nagyon jól esett, és hasznos volt akkor a segítség. Vagy éppen többet, mert a saját bőrén tapasztalta, hogy a szülei nem, vagy nem kellő mértékben tudták őt támogatni. Van azonban egy óriási előnyünk szüleinkkel szemben. Ők még nem ismerhették Magyarországon azokat a korszerű pénzügyi megoldásokat, melyek révén kis befektetéssel is biztosíthatták volna gyermekeik életkezdését!
Nekünk már rendelkezésünkre állnak ezek a korszerű konstrukciók. Nyugaton már évtizedek óta természetes, hogy amikor valakinek gyermeke születik, azonnal elindítanak számára egy tőkeképzési programot. Mivel ezen a ponton még rengeteg ideje van a gyermekének szánt pénz előteremtésére, a jövedelmének egy nagyon kis hányadának félretételével is komoly tőkét tud a gyermeke jövője érdekében felhalmozni.
Csak érdekességképpen írom - mert Magyarországon hihetetlennek tűnik még - de tőlünk nyugatabbra sokan 40 éves tőkeképzési programot indítanak el, melyet a gyermek huszonéves koráig a szülők, első önálló keresete után pedig a gyermek fizet tovább. Ez egy nagyon szerény mértékű éves megtakarítás esetén is többszáz-milliós tőkét jelent a futamidő végén! Bele sem merek abba gondolni, hogy hol tarthatnánk most, ha a szüleinknek lehetőségük lett volna ilyen programot indítani számunkra… Indítson Ön is gyermeke(i) számára tőkeképzési programot!
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