Smart investing for modern kids
Lummo helps families save and invest early. Turn time into your most powerful tool. Simple, effective, and built for growth.
Make your kid's financial future grow automatically
Simple tools to help you build generational wealth, step by step.
Pick a portfolio
Choose a portfolio for your kid. Bitcoin, Gold, or Stocks, as safe or as bold as you want.
Set it and forget it
Turn on automatic deposits. Dollar-cost averaging (DCA) handles the timing so you don't have to.
Let the family join in
Share a link and let grandparents and friends contribute for birthdays or milestones.
Watch it grow
See your child's portfolio progress in a clean, simple dashboard that makes saving feel rewarding.
Saving in cash no longer makes sense
Inflation keeps eroding what money can buy. Lummo helps you turn time into an advantage by saving and investing for your child's future.
Hypothetical gains over time
Time in the market beats timing the market. Don't guess, just invest.
Invest in their future
Lummo
3 day free trial
- Up to 4 child investment accounts
- Invest in Bitcoin, Gold, or Stocks
- Shareable gift links for family & friends
- Real-time growth tracking & insights
Secure payment with Stripe. Cancel anytime.
Questions?
We got answers.
Everything you need to know about the product and billing.
Still have questions?
Contact Us →- Lummo helps families save and invest for their kids in one place. You pick a portfolio (e.g., bitcoin, gold, stocks), set an automatic contribution, and watch progress over time. Family and friends can chip in with a shareable gift link.
- Lummo starts with a 3-day free trial. After that, you can choose between monthly ($6/month) or yearly ($49/year, just $4.1/month) billing. You can cancel anytime.
- We support kids and adults of all ages. No minimum (or maximum) age here.
- Right now, all investments are held under the parent’s account until the child reaches the appropriate age. Parents can withdraw funds at any time to their linked bank account and use them for the child’s needs — like education, hobbies, or savings goals. In the future, we plan to introduce kid-friendly debit cards so older kids can start managing their own spending and learn about money responsibly.
- You can choose from diversified stock exposure (e.g., S&P 500), gold, and bitcoin, or a mix. Portfolios can be designed for long-term holding and you can change the mix anytime. We don’t promise performance; we give simple choices and clear tracking.
- Set up DCA (Dollar-Cost Averaging) with weekly or monthly auto-buys—so you don’t worry about timing the market. Share a private gift link so grandparents and friends can contribute directly to your child’s account. All contributions show up in the activity feed.
- Yes, Lummo does support bitcoin investments.
