How to Create a Crypto Savings Plan for Your Children

You have to think about the future. Especially if your decision will affect the future of your children.

Let’s say that you want to put your savings into a bank account, and hope that interest rates will be high. If you’re lucky, you can leave that money to your children some day.

But here is the problem: there is this thing called inflation risk. And if your interest rate is lower than inflation, then you’ll be losing your hard-earned money.

So it’s a good idea to consider investing in cryptocurrencies and creating a crypto savings plan. They say that cryptocurrencies are future money, and they’re here, now, and you should take advantage of that.

Here are the tips for creating a reliable crypto savings plan.

Diversify your portfolio with big cryptocurrencies

Although investing in small and not so popular cryptocurrencies is often cheaper, this strategy may not pay off long term.

So, to diversify your portfolio, consider investing in bigger and more established cryptocurrencies. They include bitcoin, Ethereum, Ripple, Monero, Litecoin, etc.

Invest in stablecoins

crypto savings plan tether usdt

Stablecoins are cryptocurrencies created to solve the volatility problem of cryptocurrencies. You see, cryptocurrencies are highly volatile assets, and their prices go up and down on a large range.

To prevent this, stablecoin’s tokens are backed by assets such as gold, fiat currencies, oil, etc. For example, one Tether token is tied to $1.

And investing in stablecoins means that you’re investing in cryptocurrency without worrying about volatility.

Look at gold-backed stablecoins

As their name says, gold-backed stablecoins are tied to the price of gold. For centuries, gold has been a primary store of value. And as J.P. Morgan said, ”Gold is money, everything else is credit”.

And with the rise of cryptocurrencies, gold found its purpose in gold-backed stablecoins. Today, you can find many stablecoins pegged to gold, and one of them is Novem Gold.

Novem Gold is a startup disrupting gold industry. How? By creating gold-backed stablecoins. So, consider investing in this type of stablecoin.

Find crypto platforms with high interest rate

crypto savings plan nexo

Earning passive income is great for your savings plan. And crypto platforms with high interest rates can help you with that. How do they work? It’s simple. You deposit a certain amount of cryptocurrency or fiat currency, the amount increases with interest, and then you withdraw your money.

One of these platforms is The platform was founded in 2017, and today it has nearly 200,000 customers and back payments in 45 fiat currencies.


Creating a savings plan is one of the best things you can do for your children. The financial world is, however, changing, and protecting your money in a bank doesn’t mean you’ll profit.

As cryptocurrencies are becoming wide-spread, more people decide to invest their funds into cryptocurrencies. After all, that’s Money 2.0.


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