Investing isn’t just about you—it’s about the legacy you build. Generational investing focuses on long-term wealth creation that benefits not only the investor, but also their children, grandchildren, and beyond.

It’s a mindset shift from short-term returns to multi-decade strategy.

Here’s how to approach it:

1. Invest in long-term assets – Blue-chip stocks, index funds, real estate, and dividend aristocrats are known for resilience over decades.
2. Set up tax-advantaged accounts – Use Roth IRAs, 529 plans, and custodial accounts to grow wealth tax-free or tax-deferred for future generations.
3. Create a family investment philosophy – Define shared values: sustainability, ethics, or industries you want to support. This builds unity and clarity.
4. Teach financial literacy early – Knowledge is the ultimate asset. Educate younger generations on budgeting, investing, and compounding.
5. Incorporate estate planning – Work with a financial advisor to create trusts, wills, and legal structures that protect your legacy and minimize taxes.
6. Avoid lifestyle inflation – Wealth preservation requires discipline. Continue investing even as income grows, and teach heirs to do the same.

Generational investing isn’t just about money—it’s about impact, education, and vision. Done right, your portfolio becomes a tool that empowers your family for decades to come.