Write the next sentence in the following story.

How to buy mutual funds for children
Decide the reason you are investing the money.
For many parents, they are saving for college, but for others, it may be for travel, medical expenses or living expenses.
Calculate the amount of time you plan to invest the money before your child needs it.
If your child is very young and will not need the money for 20 years, you will want to choose different investments than if the child needs it in 5 years. You may be able to choose a target-date mutual fund.