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Whatever you decide to do, may I suggest you talk to the grandies about it. You are teaching them financial literacy, little by little. Like for example occasionally tell them they own a little tiny bit of company x, choosing a company in the fund that they might relate to. Maybe show them the Sharesies balance time to time and explain why it has gone up and down.
Just talking about a sentence or two now and again. Not a lecture.
I've been working on this in my family for a long time ... getting there.
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