baby

Arigato, dear investor,

I’m now in Taiwan for a 2-month holiday and lately I had a really interesting conversation with a friend. 💗 

She asked me:

And honestly?

The answer was surprisingly simple.

Not some complicated stock picking strategy.
Not trying to predict the next hot trend.

Just starting early… and letting time do the heavy lifting.

Because one of the biggest financial advantages a child has is something adults can never buy back:

Time.

Here are 3 simple steps you can do for your child to start their investing journey:

Step 1: Open a Brokerage Account Under Your Own Name

In Singapore, children below 18 years old can’t legally own a brokerage account yet.

So personally, I would open an MAS-regulated brokerage account under my own name first, so I know my child’s money is safely kept inside a regulated platform.

Safety matters a lot to me, especially when investing long-term for family.

I personally think Longbridge gives the best account opening bonuses in Singapore right now (free shares and bonuses up to $1,368), and I have close to $1M portoflio inside.

Step 2: Invest Into Strong, Long-Term ETFs

If I were investing for my child, I wouldn’t speculate on random stocks.

I would focus on assets with a long historical track record of growth.

One of them is the S&P 500.

The S&P 500 tracks the top 500 companies in the US — companies like Apple, Microsoft, Amazon, Google, Nvidia and more.

Historically, the S&P 500 has averaged around 10–11% annual returns over the long run.
Even when adjusted for inflation, the annualised return is still close to 8%!

And this is where things become really powerful.

The Crazy Power of Compounding

Let’s say your child receives angbao money, birthday money, or pocket money.

Instead of leaving it inside a bank account earning tiny interest…

What if you invested just $500 every year into the S&P 500?

Assuming a 10% annual return on my Financial Freedom Calculator:

By age 40, your child could potentially have over $260,000.

And the craziest part?

You only contributed about $20,000 in total over those 40 years.

Yet it grew more than 10X.

That’s the power of long-term investing.

Not because you invested a huge amount.
But because you gave the money enough time to grow.

What About Growth ETF Investing?

Now personally, because children have such a long investing horizon, I would also consider allocating part of the portfolio into more tech-focused ETFs like QQQ.

QQQ tracks the Nasdaq-100, which focuses heavily on leading tech companies.

And let’s be honest…

The world today is increasingly powered by technology, AI, semiconductors, cloud computing and innovation.

Historically, QQQ has delivered even higher long-term returns of around 13%+ annually.

Now imagine this.

If your child invested consistently into QQQ over a long period of time…

Punching in the numbers into my Financial Freedom Calculator once again, your child’s portfolio could potentially grow to over $750,000 by age 40.

What I Personally Do To Increase Returns Further

Now this is where things get even more interesting.

Instead of simply buying ETFs and holding them…

I personally also use options strategies on strong ETFs to increase my returns further.

Over the years, this A.B.O.S options strategy has historically helped me generate over 20% annual returns.

And because the strategies are implemented on broad-based ETFs instead of speculative penny stocks, it allows me to pursue higher returns while still focusing on quality assets.

Now imagine if a child had 40 years of compounding with that kind of strategy.

The numbers become life-changing: OVER $5M IN PROFITS

If you’d like to learn how I personally combine ETF investing with options strategies to potentially generate higher returns and more consistent passive income safely, I’m hosting a FREE 2-hour masterclass where I’ll break everything down step-by-step 🙂

The Biggest Lesson Here

Most parents want to leave money behind for their children someday.

But personally…
I think one of the greatest gifts we can give our children is not just money.

It’s financial education.

Teaching them:

• how investing works

• how compounding works

• how money grows over time

Because once they understand this early…

Their entire financial future changes forever.

That’s why I truly believe we should first learn how to invest our money properly — because our children will eventually learn from our habits too 🙂

When they see us growing our wealth patiently, investing consistently, and making wise financial decisions…

They naturally become more financially savvy over time as well.

And honestly, I think that’s one of the greatest gifts we can pass down to the next generation ❤️

If you’d like to learn how I personally combine ETF investing with options strategies in a safer and more structured way to potentially grow wealth and generate passive income, make sure to join my FREE 2-hour masterclass where I’ll break everything down step-by-step 😉

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Arigato!

Chloe
Arigato Investor

Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛