The Winner's Playbook
The Winner’s Playbook is your go-to podcast for real talk about money, careers, success and the challenges along the way.
Hosted by financial advisers Josh and Billy, we break down the financial world in a way that’s clear, relatable and actually enjoyable to listen to.
Whether you’re trying to grow your wealth, make smarter money moves, level up your career, or just figure out what success looks like for you, we’ve got you covered.
No boring lectures, no complicated jargon - just straight-up conversations that help you win in life and money.
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The Winner's Playbook
Investing for Your Kids: What Parents Need to Know
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Investing for your kids without getting the structure wrong
Investing for your kids sounds simple, but once you start looking at tax, account structures, ownership and what happens when they turn 18, it can get complicated quickly.
In this solo episode of The Winner’s Playbook, Josh breaks down what parents need to understand before investing for a child under the age of 18.
He explains how minor tax rates work, why savings accounts may not always be the best option, and how investment income for children can be taxed very differently depending on the structure used.
Josh also covers informal trusts, tax file numbers, beneficial ownership, investment bonds, growth assets, account setup, record keeping, and why getting the structure right from the start can help avoid unnecessary tax issues later.
If you are thinking about investing for your child, helping them with school fees, a first home, or simply giving them a stronger financial start, this episode is a practical place to begin.
⏱️ Timestamps:
00:00 Intro
00:46 Why investing for kids can be complex
01:43 How minor tax rates work
05:03 Accepted persons and accepted income
08:24 Savings accounts vs growth investments
11:06 What happens when your child turns 18?
14:17 Why tax file numbers and ownership matter
18:51 What should parents actually do?
Hit follow, leave a review, and share this episode with someone who wants to start investing for their kids the right way.
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https://www.linkwealth.com.au/josh-lee-link
Get in touch with Billy:
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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.