Q – My grandson is a bit of a “Jack the lad”. He’s 17, left school, did nt do the Leaving and currently working in a chip shop to fund his weekly lifestyle – pubs and clubs though he has been somewhat curtailed in the last few weeks ! I want to put € 20,000 away for him so that when he wakes up in the real world he might use the money to fund a 3rd level course. Five years I would think would be the maximum term for investing this money – where would you suggest and are there any tax implications for him or us, his grandparents ? Pat – Raheny Dublin 5 

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