Investing for Kids and Grandkids: A Simple Guide for Australian Families

Investing on behalf of children and grandchildren is becoming increasingly popular among Australian families, with many looking for ways to build long‑term wealth that can be passed confidently to the next generation. Precious metals—especially gold—are a natural fit for this goal. 

Gold has a long track record of strong performance, rising by around 10% per year on average over the past 50+ years. It’s also tangible, timeless, and universally recognised, making it a meaningful asset to hold and pass on to the next generation. For many families, that combination of financial strength and emotional significance is what makes gold such an appealing choice. 

Opening an account for a child is simple. Parents and grandparents can set up an Individual account in the name of the minor, with the structure titled “Parent or Grandparent ITF Child or Grandchild.” You can add multiple children to one account or open separate accounts for each—whichever suits your family best. There’s no limit to how many accounts you can create, and no formal trust is required. 

While the adult account holder legally owns the metal until the child turns 18, transferring the holdings to the young adult’s own ABC Bullion account is straightforward once they come of age. It’s worth noting that any sale made before then is generally a tax event for the adult, so personalised tax advice is recommended. 

Most families choose to store their metal with ABC Bullion for simplicity and security. An online portfolio also makes it easier for digitally savvy kids to stay engaged—they can log in at any time to see the value of the investment growing on their behalf. 

For those looking to start small, the ABC Bullion Gold Saver is the most popular option. Beginning at just $50 per month, it allows automatic investing via direct debit, with funds converted into precious metals on the day they’re received. For physical gifts, 1oz silver coins (under $150 as at June 2026, subject to change) and 1‑gram minted gold bars (typically below $300, subject to change) are accessible entry points. 

You don’t need an account to get started: purchases can also be made in‑store as a Guest Client, up to $5,000 per day. 

Investing for kids and grandkids doesn’t need to be complicated. With flexible account options, low entry points, and the enduring appeal of precious metals, many Australian families are finding it a rewarding way to build—and eventually hand over—lasting wealth. 

Ready to get started? Read our FAQs, Open an Account or visit us in store today.