I like it and they will grow investing skills as they go. I have my children buy a CDN dividend mutual fund until they have enough to open an on line account and go directly to stocks. Buy what you use, buy some of your bank, telephone guy. In recent time I added amazon, apple and FB as they are heavy users, but do not fall in love with them as there are a couple sell indicators on them. Company RRS.p, Home ownership RRSP and TFSA; just about cleans them out for investment recommendation of 10% which is what we used and it does work. They feel pressure from peers to get with an investment company of get a broker, and I tell them they have to pay themselves first and that includes running your own investments. They say, but the investment people tell us they can make more, to which I tell them just say "but I will lose 3% less in down and up markets, so I am always better off".