The Most Valuable Gift for Your Children this Holiday Season

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Ask Olivier

The Most Valuable Gift for Your Children this Holiday Season

As parents or grandparents, we often struggle with gift ideas for our children. We want them to be meaningful and offer a timeless value. 

Of course, there is always the latest iPhone or a drone or another ephemeral gadget that will bring joy for a couple of weeks and then go stale.

Don’t get me wrong, I have nothing against gadgets. They are a lot of fun. But no iPhone can beat the gift of financial security that comes with precious metals.

So, let me suggest an idea of a little more forward-looking gift for your cherished children this year.

It’s the Uniform Transfer to Minor Act (UTMA). In simple terms, it’s a gift-tax-free precious metals account for your children or grandchildren.

You can set up an UTMA account for each child or grandchild and transfer up to $14,000 per year, tax-free.

But before we get into details, let me tell you WHY you should do that in the first place.

Every thoughtful parent saves for their children or grandchildren. But with central banks around the world printing money at will, you have no guarantees that your funds will be there when your children come of age.

Even if they are, inflation will likely eat away most of its value.

Precious metals are a different story.

Gold will retain its value into the future for the simple reason that it always has.

People have valued gold for over 3,000 years. It is the ultimate form of money. No matter what the social, political, or financial climate has been in the world, gold has never gone to zero or defrauded an investor.

Simple as that.

Now back to UTMA accounts…

UTMA are available in 48 US states. In most states, the minor doesn’t come into possession of the assets until the age of 21. Check with your tax advisor to learn the UTMA regulations in your state of residence.

With the Hard Assets Alliance, UTMA accounts are free and easy to set up and there are no minimum purchases. Applying for an account takes approximately ten minutes. After providing basic account information, you can be ready to buy precious metals in about two business days.

You may also choose to open a MetalStream™ precious metal accumulation account as your UTMA account and contribute as little as $100 each month.

If you already have an account with the Hard Assets Alliance, you may use your existing username and password to set up UTMA accounts for your loved ones. 

If not, sign up here.

If you have any questions, don’t hesitate to contact me directly at

Olivier Garret

Olivier Garret, CEO
Hard Assets Alliance

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Why I Founded the Hard Assets Alliance

11 years ago, I became the CEO of Casey Research, a leading publisher of investment newsletters. Like me, many of our subscribers where precious metals investors, and we shared the same challenge: How do I safely buy and store precious metals? Read More...