At The Royal Mint, we believe the future always starts small. With Little Treasures, you can help fulfil their lifelong ambitions.
Little Treasures is the simple and straightforward way to gift gold to your child or grandchild. Purchase digital gold VAT free by setting up monthly payments or by making one-off deposits whenever you choose. Watch your little treasure grow whilst building a fund that you can gift to them whenever you are ready.
invest in their future
Your precious gift deserves, well, a precious gift
“One of the most precious gifts you can give any child is to help secure their financial future. Backed by the reputation of our gold bullion bars, a store of wealth trusted by banks and intermediaries all over the world, we’ve designed a digital gold accumulation account where you can save for the next generation. Enjoy every moment with your little treasure, knowing you’re building a golden nest egg to help give them the best possible start in life.”
Andrew Dickey, Divisional Director, Precious Metals
reasons to invest
Invest in their future
Their passport to independence
First cars don’t come cheap. The gold you save could help get them on the road in no time.
Build a brighter future
With Little Treasures you can start saving for a new term. The long-term.
Secure their home from home
Help them make that first deposit and build a future of their own.
how it works
Register
Enter your details and select a username and password.
Fund
Fund your wallet via bank transfer, debit card or standing order.
Save
Set up Auto Invest to make monthly investments or make a lump sum purchase.
Redeem
You can gift your digital gold savings to them whenever you are ready.
Features and benefits
Invested in your Little Treasure
Automatic payments
With Little Treasures it is easy to set up monthly recurring payments, allowing your fund to grow whilst you focus on making memories with your precious one.
Online management
Review and manage your gold savings all from within our easy-to-use, mobile-friendly, account area.
Securely vaulted
Stored in The Royal Mint’s vault, which is trusted by central banks and major financial institutions.
Physically backed
All our gold is backed with investment grade LBMA approved metal.
Unlimited
There is no upper limit to the amount that can be deposited into a Little Treasures account.
Complete control
Convert your digital gold to cash or physical bullion to gift to your little treasure at any moment.
Management fees
No hidden Fees
With Little Treasures there are no hidden management fees, so you won’t get any nasty surprises.
| Buy | Store | Sell |
|---|---|---|
| 0.33% | 0.5% + VAT | 1.00% |
The storage fee of 0.5% + VAT per annum is based on the average daily value of your total metal holding.
The below table indicates your estimated annual storage charge based on investing £50 per month, from 1-18 years. Please note this does not take any future market fluctuations into consideration and is indicative only.
| Year | TOTAL VALUE OF GOLD HELD | FLAT ANNUAL RATE | ESTIMATED ANNUAL FEE INCLUDING VAT |
|---|---|---|---|
| 1 | £600 | 0.5% | £3.60 |
| 5 | £3,000 | 0.5% | £18.00 |
| 10 | £6,000 | 0.5% | £36.00 |
| 18 | £10,800 | 0.5% | £64.80 |
Little Treasures management fees are charged at 0.5% + VAT per annum based on the average daily market value of your total gold holding that is stored in The Vault®.
Invoices are issued quarterly and will be settled from your available account balance. If you do not have sufficient balance to cover the cost of storage, your account will be in arrears until the balance is paid. You can add funds to your account using debit card or bank transfer.
Digital gold
Savings vs. ISAs
What people ask us?
Little Treasures is an online precious metals account that you can open with The Royal Mint. It allows you to purchase and hold DigiGold by making regular payments by standing order or one-off deposits into your online precious metals account. The money that you pay in to your account is used to purchase physical gold on your behalf.
The idea behind Little Treasures is to allow you to keep saving gold until you are ready to gift it to your loved one. This could be at their 18th or 21st birthday, when they look to buy their first home, or whenever you feel they are ready to claim their nest egg. At that point, you can choose to sell your gold back to us for cash, redeem your digital gold for physical gold coins or bars (by selling your gold back to us and using the money in your account to purchase physical products) or transfer the holdings to another account (should your loved one choose to open their own digital gold savings account at age 18 or over).
Please note, it is entirely at your discretion as to whether you wish to gift the proceeds from your Little Treasures account to any third party, including a child or grandchild.
DigiGold is a simple and cost-effective way to own physical gold, silver and platinum in quantities to suit all budgets, allowing you to purchase and own a fractional amount of large gold, silver and platinum bars that are held securely in The Vault™.
These large bars allow us to offer economies of scale and pass on the savings to customers. Unlike buying coins or bars, it enables you to purchase gold, silver and platinum-based on value rather than weight e.g. £25 instead of a 1 oz. coin or bar, providing you with control and flexibility. Please note that DigiGold products cannot be delivered.
No. The person who opens the account has full legal ownership of the holdings within it. It is at the discretion of the Little Treasures account owner to gift the proceeds to the child, if and when they choose to do so.
The minimum purchase is £25 (DigiGold) and there is no limit to the maximum amount of gold which can be held or invested with The Royal Mint. However, please be aware that there are limits on the amount of money which can be contributed to and held within a pension. We recommend you speak to your advisor or SIPP provider for further clarification.
There are three charges associated with buying DigiGold via Little Treasures. There is a charge applied to each purchase, a charge applied for the monthly storage of the gold, and a charge at the point that you decide to redeem your holding and sell your gold back to us. With Little Treasures there are no hidden fees. We are completely transparent about all of our fees, and these can be found in the management fees section.
No, it isn’t. The FSCS protects individuals’ savings up to £85,000 in the event that an authorised financial firm fails. As The Royal Mint is not authorised by the Financial Conduct Authority, the DigiGold product and the Little Treasures account is not subject to this protection. Click here to find out more about FSCS.
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