Our grandkids’ super accounts were frozen. How else can we invest for them?
Superannuation accounts set up for grandchildren can become frozen and are often impractical due to ongoing fees and contribution requirements. Experts advise that super is designed for retirement, not childhood savings, and simpler investment options may be more suitable for young children. Alternatives like savings accounts, investment accounts, or insurance bonds offer greater flexibility for funding education or other life milestones.
- ▪Superannuation was not designed as an investment vehicle for children and can become frozen without regular contributions.
- ▪Fees and management costs can erode balances in children's super accounts if contributions are not maintained.
- ▪Experts recommend using more accessible options like savings accounts, investment accounts, or insurance bonds for children's long-term savings.
- ▪Superannuation becomes more effective once a child starts working and receives employer contributions.
- ▪Flexibility is important when saving for children, as funds may be needed for education or major life events before retirement age.
Sydney Morning Herald publishes from Australia and files mainly under world. We currently carry 3,705 of its stories.
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| Original publisher | The Sydney Morning Herald |
| Canonical URL | https://www.smh.com.au/money/planning-and-budgeting/our-grandkids-super-accounts-were-frozen-how-else-can-we-invest-for-them-20260428-p5zrkt.html?ref=rss&utm_medium=rss&utm_source=rss_feed |
| Publication time | Wed, 29 Apr 2026 05:01:00 +1000 |
| Retrieval time | 2026-04-28T19:06:06.633Z |
| Last seen | 2026-04-28T19:06:06.633Z |
| Headline source | Publisher (no WeSearch rewrite) |
| Excerpt source | publisher body |
| Excerpt method | First ~120 words (~800 chars) of extracted publisher body, fair-use limited. |
| Summary | WeSearch · cerebras-chat (WeSearch summarizer) |
| Summary source text | contentText |
| Citation coverage | Summary is a WeSearch-generated derivative; primary citation is the original publisher URL. |
| Cluster | i9Wf4uu6ziqX |
| Cluster logic | Grouped by semantic title/content similarity across sources within a rolling window. Same-publisher template collisions are excluded from coverage comparison. |
| Ranking reason | Story pages are not engagement-ranked. Hub feeds use recency, with optional source-diversified chronological ordering (cap consecutive stories per source). No personalized ranking. |
| Publisher visit | Yes — open original |
| Substitutes article? | No — link-out required for full text |
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| Indexing | May the item be indexed (stored, ranked, made findable)? | Allowed |
| Snippet | May a short excerpt of the publisher's text be shown? | Allowed |
| AI summary | May WeSearch generate its own short summary of the article? | Limited |
| Retrieval / RAG | May the content be exposed for third-party retrieval-augmented generation? | Not asserted |
| Model training | May the content be used to train AI models? | Not asserted |
| Commercial reuse | May the content be reused commercially? | Not permitted |
Basis: Derived from the published RSS/Atom feed. Contact: [email protected]. Reviewed: 2026-07-24.
Opening excerpt (first ~120 words) tap to expand
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Excerpt limited to ~120 words for fair-use compliance. The full article is at The Sydney Morning Herald.