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PAMELA R | I would like to give my grandchildren a financial birthday gift, any idea's please? |
I don't want to give them premium bonds, can anyone suggest any other kind of financial gift for their First birthday. thankyou for your help. |
 |
 
stephen r
 |
As you do not specify an amount, and for some reason you are against Premium bonds, think about the following.
If it is a one of birthday gift, then national savings do a good range .
If you intend to do the same thing in future years, then an ISA is the answer.
Try talking to your bank or building society about high interest accounts for children.
Nice that a grandparent would want to do this.
best wishes |
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beanco
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childrens bonus bonds from national savings and investments - Post office. each bond is £25.00 can hold up to £1000. Bonds can be held till child reaches 21 or cashed in earlier - you also get interest on these. |
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ANN
 |
visit your bank for some advice, you could open an account and deposit what ever you can afford each month/week. Once their eighteen they will have a nice financial present |
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squeakycheek
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Open a high interest saver in a building society that gives them extras. I would recommend bradford and bingley as if you pay in they give you books and stuff through the post. Cool for little ones. |
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Sandz
|
Hello,
I realize your grandchildren are young now, but they will be in school and then onto bigger and better things before you know it.
My first thought - an IRA.
Many companies are getting away from retirement plans such as the 401K, which means many babies now by the time they enter the workplace will not have it, and will be forced to save on their own for their retirement.
Truth be told I do not know all the in's and out's of the IRAs, but I am including a link below from about.com. And a good financial adviser can tell you much more.
I have a nine-year-old, and I opened up a dependent savings account through the local bank. With the idea, we will save the money and convert it to an IRA later. It begins to teach her the value of money, and making decisions if a purchase is really the best at the time, or saving for something large in the future.
I also opened up a 529 College Savings plan for her. The commercials advertising student loans are pretty sad. The people get the scholarships, yet still need more money for other supplies. It's a way to put in a bit at a time for them should they decide to go to college, and hopefully enough to make the ends meet.
Dave Ramsey has a Jr. Program, a kit you can buy to teach children about money, whether you are a custodian of an account or not.
I wish you well in your decision.
I'm glad they have a grandmother who cares about their financial well being. |
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RickRandom
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Some sort of savings account, that they need adult permission to take money from. That adult could be you, or their parents. Top up the account at birthdays and Christmas, etc.
You could also have a deal with them in a few years time that any money they put in you will match - that would encourage them to save! |
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yesyesurugly
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a cd at a bank or open up an ira or a 526 account, Also a life insurance policy or a simple bank account that cannot be opened until the age u choose. I personally prefer the latter. U can put all this in writing and the child along with teh parents can put away a certian amount of money every month it can even be deducted automatically from all accounts into ur grand childs account . |
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Mato B
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You could set up ISAs for them. The UK government allows each resident to save up to £3000 a year in a high interest, tax free account. Not sure how you'd do this for babies...but probably worth finding out. banks have loads of different savings products and some are geared specifically towards providing for kids.
Otherwise, you could buy them an antique that will appreciate over time, or some sort of jewelry - some stores have 'grow your carrot schemes' where you can continue to trade up the size of diamond at only the additional cost of the extra carrot,
or how about a barrel oil - i hear that keeps going up in price!
good luck finding something : ) |
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shiprepairwoman
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A trust account with you as trustee. If it is only a few dollars open a savings account for them and have the statements come to your house.
My parents did this for the 4 grandkids, once a quarter a bank statement would come so they would call to have the grandkids brought over to read their bank statements. It started tiny but mom had 4 piggy banks and would divide her pennies between them and when they got full deposit them in their accounts. The kids loved getting interest and when they got older they would get a $100 check once a year and a trip to the bank. The teller would cash the check, let them hold the money then help them with a deposit. By the time they were teens they each had over $1,000 to help with the down payment on a first car or whatever each kid wanted.
If you want to do much more a 529 plan with aggressive investments would be good if you are pretty sure at least one will go to college. None of the 4 my parents saved for went to college so good thing they didn't do 529 plans. |
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arfurchance
 |
Hi
What's wrong with Premium Bonds?
Ray. West York's. U.K. |
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Amby
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Set up a post office account and pay in whatever it is you want then each year top up through out the years until they are 18...
This is what my boyfriends grandmother did and its certainly what i will do for my children when i have them
x |
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nath1de
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uuuurr cash!?!?!? |
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Bax
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lottery tickets |
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Heidi
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put a few grand in my account and i promise i'll look after it!!!! |
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