A spin-off of the “What’s in your portfolio” thread. Here you can share what kind of portfolio you’ve built for your children. You can explain your reasoning as much as you like.
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Both children get Seligson Top 25 Brands as a monthly saving. The fund has demonstrated consistent returns for decades.
I hope that in due course they’ll be able to continue monthly saving until they’re fifty. Then they might have a retirement fund accumulated.
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This is easy. 100% just a global index. I don’t take a stance with other people’s money.
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SPP Global 50%
Spiltan Aktiefond Investmentbolag 25%
Nordnet Index Finland 25%
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I don’t have children yet, but to be on the safe side, I have 2 extra portfolios in my name where I have been saving €150/month into the SPP Aktiefond Global A fund for potential offspring. These accounts are then intended to be gifted to future generations within the allowed limits if such a blessing occurs; if not, my sister’s sons will inherit all the securities.
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For two children, the money goes into an HB USA index fund, and for one, it goes into SPP Global. It’s not a completely fair situation, but saving started at different times, so we’re going with this 
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Can you give a book-entry account as a gift?
Doesn’t it practically mean that you must have your own account and the recipient must have their own account, and only fund units are donated?
In such a case, aren’t two extra book-entry accounts unnecessary?
You just pay extra fees, unless the safekeeping is free.
This is for the younger one. I’m building it up initially with child benefits + my own additions. The goal is to grow these towards the first target level, with each making up 20% of the portfolio. After that, I’ll add something new, and the distribution will likely be 16.6%. I’m continuing the same strategy as with the older child’s portfolio, where stable dividend stocks have performed very well without “dangerous situations”. The goal is not to sell anything from the portfolios until the boys can access their portfolios, with preliminary training included 
| Stock | Distribution |
|---|---|
| CapMan | 15.09 % |
| Nordea | 29.81 % |
| Sampo | 27.96 % |
| Taaleri | 14.11 % |
| TietoEVRY | 13.03 % |
And the older one has a bit of a head start in years, so there’s more in there. The starting point was a bit different, so there’s some diversification. But as mentioned, the idea is to hold and not sell anything unless absolutely necessary (like -60% and down). Here, too, purchases are mainly with child benefits + my own additions. The dividends from this are already quite good annually, and the growth stocks were bought at a good price during the Covid dip, so, for example, Qt is still in the triple-digit positive percentages The distribution target isn’t exact, but roughly tweaked according to expectations:
| Stock | Distribution | Target |
|---|---|---|
| Aktia | 10.16 % | 10.00 % |
| CapMan | 16.43 % | 15.00 % |
| Citycon | 15.53 % | 12.50 % |
| eQ | 14.75 % | 12.50 % |
| Fortum | 11.73 % | 10.00 % |
| Kamux | 3.86 % | 7.50 % |
| Qt | 6.87 % | 12.50 % |
| Sampo | 20.66 % | 20.00 % |
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In portfolio: Ålandsbanken, 
Tele2, Tecnotree, Aspo, and an OP fund.
I could consider adding: CapMan, Aktia, Harvia, Sampo, Cloetta.
So, mostly dividend stocks, but I also want to increase their interest so they can follow a stock/company…
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Electronic Arts
Harvia
Orion
Remedy
OP Clean Water Fund
My boy plays a lot of FIFA, so EA is a must-have for sure 
.
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Did you know that buying stocks outside the EEA for a child requires a separate permit from DVV (Digital and Population Data Services Agency), which costs several hundred euros?
However, not just any investments can be made in a child’s name, as the law states that a child’s money must not be exposed to excessive risk.
In practice, this means that you can buy products traded on stock exchanges within the European Economic Area (EEA) for a child. If you want to buy, for example, Disney stock for a child’s portfolio because the child loves the Cars movies, you have to request a separate permit from DVV for this. The permit costs 184 euros and must be requested every time you make investments requiring a permit in a child’s name. In other words, direct American stocks cannot be bought for a child’s portfolio very simply.
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I hadn’t thought this far ahead yet, but I really need to change my plans a bit and buy ETFs instead of funds. Luckily, I’ve only been saving for a few years, so I can still do this sensibly.
Nordnet has a ready-made gift deed template for gifting shares: https://www.nordnet.fi/download/18.3c9bd96016af95dbcb257105/1611747803866/Nordnet_FI_lahjakirjamalli.pdf
Global Index
Tokmanni
Konecranes
Telia
Orion
Terveystalo
Spinnova
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For my almost 2-year-old son’s share savings account, opened last year, Dad has acquired the following shares:
Sampo 29.91%
Fortum 25.36%
Nordea 22.19%
Tokmanni 11.70%
Cash 10.85%
The portfolio’s current value is approximately €2650, and YTD is -16.84%.
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Thanks for the message. I didn’t know, this country is a real Albania 
. More Harvia and Orion in its place then…
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The shares were acquired with the idea of “what are the future megatrends and which industries will be strong even in 15 years”. The first purchases were made just before the COVID-19 dip, which is why the return is weak. The portfolio value is a few percent in the red.
We have twins, so the portfolios are as identical as possible, and a savings account for securities (OST) is used. Once they get older, the idea is to open a traditional securities account (AOT) and practice trading and long-term saving in stocks together.
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Since I don’t want to spend time researching companies properly, these index funds will be used in my child’s portfolio:
Nordnet USA
Nordnet Global
Nordnet Technology
Nordnet Sweden
Spiltan Equity Fund
Nordnet Europe
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In my daughter’s portfolio:
TietoEvry
Talenom
Kesko (Tokmanni swapped for Kesko)
Tecnotree
Terveystalo
Harvia
For my son:
Konecranes
Puuilo
Harvia
Capman
Nokia
Spinnova
Both received a €4,999 gift from their grandfather as initial capital. I make additional contributions to their portfolios using child benefits.
Edit: Both actually had Harvia in their portfolios. I misremembered. Corrected.
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Different portfolios… In the future, one will likely be happier than the other. To avoid this, I put the same in both.
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QT Group
Sampo
Revenio
Neste
Huhtamäki
Harvia
Global Index ETF
The best long-term performers on the Helsinki Stock Exchange and a general index. You’ll do well with these.
A second portfolio is being formed, but there’s no intention of building an identical portfolio. Why should there be? Valuations vary, and it’s not always a good buying opportunity for a single company.
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