Family, finances and the future
Many Australians want to give their kids a better financial future. Whether it’s helping them buy a home, setting up an investment account as a nest egg, or gifting assets later in life; generational wealth is about more than money, it’s about peace of mind.
Building and transferring wealth comes with questions, you may be asking:
“How can I invest for my kids wisely?”
“What’s the best way to help my kids buy their first home?”
“Can I gift money or assets without triggering tax issues?”
At Stockspot, we support families looking to create long-term financial security for the next generation, without the complexity or high costs. Whether you’re planning ahead or already ready to give, we help make it simple.
Where to start when you’re planning for the next generation
How do I invest for my children or grandchildren?
You can open an investment account in your own name or set up one for their future benefit. By investing early, even with small amounts, you give their money more time to grow through compounding. Diversified ETFs are a smart choice for long-term investing, with low fees and exposure to global markets.
Can I help my kids get into the housing market?
Absolutely. With housing affordability continuing to decline in Australia, more parents are stepping in to help their kids buy a home. You might gift money toward a deposit, act as a guarantor, or set up a separate investment account that can grow over time and later be used for a home purchase.
What about gifting assets or money later in life?
Many Australians choose to gift part of their wealth during retirement, rather than waiting to pass it on through inheritance. Gifting assets like shares or investment portfolios can be done tax-efficiently with planning. It can also reduce your assessable assets for Centrelink purposes, if timed correctly – but this is something you should speak to your accountant or tax adviser about.
How to set yourself (and your kids) up for success
Start early, even with small amounts. Time is your most powerful tool. Just $10 a week invested from birth could grow into thousands by age 18. You don’t need to pick individual stocks, just set up a low-cost, diversified portfolio and let compounding do the heavy lifting.
Talk openly about money
One of the best gifts you can give is financial literacy. Involve kids in age-appropriate conversations about saving, investing, and spending. Helping them understand how money grows teaches independence and confidence.
Be aware of tax and legal considerations
If you’re gifting large amounts or transferring assets, consider the tax implications. There may be capital gains or gifting rules that apply. It’s worth getting advice to structure things wisely.
Make smarter financial decisions
Set clear goals for each gift or investment. Are you saving for education, a car, a home deposit, or just to give them a head start? Defining the goal helps you choose the right risk level and timeline.
Use investment accounts, not just savings accounts
Traditional savings accounts offer minimal returns. Investing instead, even conservatively, can help your gift keep pace with inflation and build real value over time.
Consider regular contributions
You don’t need to invest a lump sum. Automating small, regular deposits into an investment account is a stress-free way to build wealth over time. You can also involve family members, many grandparents love to contribute to their grandchildren’s future in lieu of birthday or holiday gifts.
Why families trust Stockspot
Stockspot helps thousands of Australians invest for their kids, build generational wealth, and gift assets with clarity and confidence. Our low-fee, diversified portfolios are perfect for long-term goals like education, property, or retirement support.
We take the guesswork out of investing, so your family’s future doesn’t depend on market timing or stock picking.
How Stockspot support you in building generational wealth
Book a free, no-pressure consultation with a Stockspot adviser. We’ll help you:
- Set up investment accounts for your kids or grandchildren, with a clear, diversified strategy
- Create a long-term investment plan to build family wealth
- Help your children build a deposit for their first home
- Invest sustainably or align your portfolio to family values
- Avoid high fees that eat into long-term returns
- Set up automatic deposits
- Avoid common mistakes like market timing or concentrated bets
- Make confident, informed decisions, without pressure or jargon.
We give you the tools to invest with clarity, and pass on something meaningful.
Take the next step with Stockspot
The best time to start building generational wealth is now. Whether you’re setting up a nest egg for your kids, gifting assets, or helping them into the housing market, Stockspot helps you do it simply, smartly, and with purpose.
About Stockspot
Stockspot is Australia’s leading online investment adviser, trusted by over 16,000 Australians. We offer transparent, low-cost portfolios designed to grow and protect your wealth—whether you’re just starting out or have just exited a business.
Our evidence-based investment philosophy is simple: low fees, smart diversification, and no hype.
See how our portfolios have performed here.
