The first day of Primary 1 is a milestone for many parents and children alike. I still have photos of my two older kids’ first day of P1, with their oversized uniforms and heavy schoolbags that seemed to carry the weight of the world. Next week, it will be my youngest’s turn to register for P1. While my mind is filled with the immediate logistics of school orientations, my long-term focus as an investor is fixed on a different kind of milestone. What if this academic beginning also marks the starting point of a 15-year financial journey?

Time and the Magic of Compounding

While many parents dutifully accumulate cash in low-yielding savings accounts for future education expenses, few truly appreciate the immense power generated by combining time, sustainable dividends, and disciplined compounding. A 15-year window is a powerful horizon that spans primary school, secondary education, post-secondary studies, and university entry....