If there’s one thing that makes sure most stocks and commodities increase in value, it’s time. So, if you’re thinking about investing in your child’s future, you certainly have this most valuable resource on your side. You may not even have had the baby yet, but that shouldn’t stop you at least saving up for those significant first purchases from Golden Eagle Coins or you could consider investing in index funds.

If you start saving and investing in precious metals when Junior is still blowing spit bubbles in his crib, then by the time he comes to choosing his colleges, he should have quite the nest egg. You don’t even need to go all out – just a few hundred dollars’ worth of gold a year will accumulate to a significant treasure trove over the next 18 or 19 years.

Assuming annual growth of 3%, each $10 you invest will grow to $3,000 or so by the time your child is 18, so it’s easy to see how you could pay for the full ride if you’re savvy and consistent in your investments.

Precious metals are a great alternative or diversification investment

While in the past newbie – and even more experienced – investors might have stuck to stocks and bonds, there is so much more out there to look at. In times like these, with the uncertainty in the world’s markets, physical metals are a good backstop just in case there’s a financial crash. At the very least, a portfolio that features metals will spread your risk.

If you’re looking to invest for your child, which options are best?

You have to remember that investing for your child while it’s still a baby is a long-term deal! You’ll be increasing your riches slowly and safely, which makes precious metals ideal!

Gold and silver have always been seen as a safe hedge against stocks and less tangible commodities falling in value. It’s true to this day, too, with the price of gold rising somewhat when the stock markets are shaky or dropping.

And, if you’re going out on an adventure with the kids to find actual metal items, take a look at this metal detectors review guide.

Think about an ETF

You might think about a gold or silver exchange-traded fund or ETF. You could also invest in some coins or bars too, but remember that if you’re interested in coins, there are actually two types – bullion and collectable. Bullion coins are minted by governments, and their value is tied to the spot price of the metal they’re made from. Collectable coins are valued according to their rarity and, to a certain extent, trends in coin collecting.

If you opt for an ETF you won’t own the metal yourself – it’s more of a commodity that’s traded according to mining stocks, the availability of the metal and the prevailing price. You can combine owning actual physical metals with a range of ETFs to further diversify your portfolio.

Metals should only be part of your plan

Whatever metal or metals you decide to invest in, they should only form part of your portfolio, so it stays well-balanced. Precious metals always increase in value, though, so over the first 18 years of your child’s life you’ll reap some serious rewards.

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Investing for your children’s future, What’s best? The many benefits of adding gold to your investment portfolio How to more capably support a child in their Education Helping your child prepare for Kindergarten