10 Wealth-Building Gifts To Buy Your Partner, According to Finance Experts
Written by
Cindy Lamothe
Edited by
Jenna Klaverweiden
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Learning to manage money as an adult isn’t always easy — but it can get easier with the right tools. For those who are looking for ways to support their partner or spouse in their wealth-building journey, there are plenty of gifts that can help.
Below are some of the top expert-recommended buys to help your significant other grow their wealth.
Financial Education Resources
One of the most impactful holiday gifts to help a partner build wealth is a subscription to a reputable financial education platform or enrollment in a financial literacy course.
“Knowledge is a foundation for wealth, and these tools empower individuals to make smarter investment and budgeting decisions,” said Shirley Mueller, senior vice president of mortgage lending at CrossCountry Mortgage. “In my experience, couples who prioritize shared financial education not only enhance their individual capabilities but also strengthen their financial goals as a team.”
Dennis Shirshikov, head of growth at Summer and professor of economics at the City University of New York, agreed. “Enrolling your partner in a financial planning course or a workshop on investing can empower them to make informed decisions,” he said.
For example, Mueller said giving a partner access to a platform like Morningstar for investment research or a course on real estate investing can open doors to long-term financial growth. If your partner is interested in real estate, she said to consider tools like a consultation with a real estate advisor or even property management software.
“Gifts like these go beyond material value, demonstrating that you’re invested in their long-term financial success,” she explained.
Stocks or ETFs in a Personalized Portfolio
According Shirshikov, gifting individual stocks or exchange-traded funds (ETFs) can be a thoughtful way to invest in your partner’s financial future.
“Selecting companies or sectors they are passionate about adds a personal touch,” he said.
Contributions to a Retirement Account
Contributing to a partner’s retirement account is a thoughtful gift that will keep on giving. “Adding funds to your partner’s IRA or 401(k) not only boosts their retirement savings but also offers tax advantages,” Shirshikov explained.
He said this gesture underscores a long-term commitment to your shared future.
Real Estate Crowdfunding Investments
If a traditional real estate investment feels daunting, you could consider gifting your partner an investment in a real estate crowdfunding platform.
“These allow you to invest in properties with lower capital and without the hassles of property management,” Shirshikov said.
Precious Metals or Commodities
Shirshikov noted that gifting gold, silver or other commodities can be a sentimental gesture as well as a financial one.
“Precious metals often serve as a hedge against inflation,” he said.
Startup Equity or Angel Investing
For the entrepreneurial partner, investing in a startup they believe in can be exciting and potentially lucrative.
“This not only supports innovation but also offers the thrill of being part of something new,” Shirshikov explained.
High-Yield Savings Account
Opening a high-yield savings account for your partner is a gift they’ll appreciate for years to come. This type of account provides liquidity while offering better interest rates than traditional accounts.
Shirshikov explained that it’s a practical gift that helps individuals accumulate funds for future goals, whether it’s a down payment on a house or a dream vacation.
Art and Collectibles
You can also get more creative with your gifting by investing in art, vintage wines or collectibles. These items not only are things your partner can enjoy but also are investments that can set them up for financial success.
These, according to Shirshikov, can diversify a portfolio and potentially appreciate over time.
Cryptocurrency Investment
“If your partner is tech-savvy or intrigued by emerging financial trends, a cryptocurrency investment might be a compelling gift,” Shirshikov said.
While these investments can be volatile, he explained that cryptocurrencies like Bitcoin have shown significant growth. That said, a cautious approach is advisable, but it can be a modern addition to a diversified portfolio.
Life Insurance With Cash Value
Gifting a whole life insurance policy that accumulates cash value combines protection with an investment component. “It ensures financial security and can be borrowed against in the future,” Shirshikov said.
This strategic gift often goes overlooked but can play a vital role in long-term financial planning.
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