The Smartest Gift You Can Give This Christmas? A Legacy That Grows Itself

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December 12, 2025 Lisana 0 comment

As Christmas approaches, many parents and grandparents find themselves searching for a gift that feels meaningful, something that lasts longer than toys, trends or vouchers that vanish within days.

Increasingly, families are rethinking what a “good start” in life looks like, and turning their attention to investments that build steadily over time.

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A Legacy That Grows Itself

One option gaining momentum is gold-based saving, particularly through modern platforms that make regular contributions simple and accessible. It’s an idea rooted in an old Kiwi instinct: set kids up early so they benefit later.

It’s not the first time New Zealanders have embraced long-term gifting. For years, some families turned to Bonus Bonds – a product remembered fondly by some and criticised sharply by others. Marketed as “the fun investment,” Bonus Bonds were more lottery than savings vehicle, offering the possibility of prize money rather than guaranteed returns. They were eventually wound up in 2020 after years of low interest rates and poor performance.

But the desire behind them remains: find a way to give children something that grows.

Today, with the bonds gone and bank interest rates fluctuating, families are reassessing what truly delivers value. And gold – one of the world’s oldest, most trusted assets – is firmly back on the radar.

Why Gold Is Making a Comeback as a Legacy Gift

Gold has shown remarkable resilience over time. In New Zealand, the price per ounce climbed from USD $1,762 in August 2015 to USD $4,220 in November 2025 – a rise of 140%. Unlike term deposits, which shifted sharply with the official cash rate, gold’s long-term trajectory has been strongly upward.

For children, receiving gold isn’t just financially valuable,  it’s memorable. Gold coins, minted tablets, or ongoing gold-based savings plans are the kind of gifts people keep, display, talk about, and eventually pass on. They carry symbolism: stability, security, and success.

But more importantly, they give children a tangible introduction to investing. Seeing the value of gold increase over time teaches patience, delayed gratification, and how compounding works in the real world,  lessons that cash gifts rarely deliver.

A Modern Way to Build Wealth for Children: GoldSaver

Traditionally, gifting gold meant buying a coin or bar. Today, the process can be much easier. With products like New Zealand Gold Merchants’ GoldSaver, families can contribute as little as $50 a month, with each deposit converted into real gold, silver, or a mix of both.

It’s a set-and-forget model:

  • No investment decisions required,
  • No apps for children to learn,
  • No risk of funds sitting idle.

The value simply builds over time – quietly creating a future asset for the child.

This approach modernises the tradition of long-term gifting. Where Bonus Bonds relied on chance, and bank savings rely on interest rates, gold offers something more concrete: ownership of a globally recognised, historically resilient asset.

A Legacy That Lives Beyond Christmas

At a time when many gifts fade quickly, the appeal of giving something enduring is stronger than ever. Gold, whether given physically or through a regular savings plan, offers a modern, reliable, and meaningful way to invest in a child’s future.

It’s not flashy. It’s not faddish. It doesn’t rely on luck or constant management.
It simply grows.

And for many Kiwi families, that makes it the smartest gift you can give this Christmas – a legacy that builds itself.

About New Zealand Gold Merchants

New Zealand Gold Merchants (NZGM) has been at the heart of New Zealand’s bullion industry since 1975. Over five decades, they’ve earned a reputation for trust, transparency, and technical excellence.

A large proportion of stock is locally refined and sustainably sourced, with an ethical and transparent supply chain you can trust. When you buy from us, you’re investing in real, physical gold.

FAQs

  1. Why choose gold as a gift instead of money?

Gold holds its value over time and becomes a lasting asset, not something spent or forgotten. It’s a practical way to give children something that grows with them.

  1. How does GoldSaver work for kids?

You can start from $50 a month, and each deposit is converted into real gold, silver, or a mix of both. It’s simple, steady, and builds quietly in the background.

  1. Can I make one-off contributions for birthdays or Christmas?

Yes. You can stick to monthly deposits or add extra lump sums whenever you like, making it easy to build a long-term gift over the years.

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