Look for stocks that have strong brand names, a stable history and great prospects for the long term. And the current issue of Red Chip Review, a small-cap research service, suggests four companies that have built product lines on exclusive licensing agreements. When you buy stocks for kids, make sure the brokerage firm sends them annual reports. On the other hand, getting dividend checks can be exciting. If you're helping your kids invest, don't forget taxes.
Liability is tricky, so check with an accountant.
That's enough for an annuity that should beat Social Security. Click here for an index of Articles .