x2 pull of a simple Index fund that tracks the S&P500. Start at 2006 and look at today. If another 2007-10 starts tomorrow, they'll be more than fine by the time they hit 25. Diversify and get in already. There's no reason to be scared when you have time on your side and don't need the money. Good luck to you and the family.
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Trey
Current rides: 2000 BMW 540i/6 and 86 C10.
Former ride: 1979 Trans Am WS6: LT1/T56, Kore 3 C5/6 brakes, BMW 18in rims
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