Cryptic crossword clue
Bucks laid out, investing in gems mostly, or toy design 6,4

The most common and most likely answer to this crossword clue is the 6 plus 4 letter word RUBIKS CUBE

I've seen this crossword clue in Independent
R
U
B
I
K
S
C
U
B
E

Buddy explains!

The straight part
We know that "toy design" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case toy design = rubiks cube.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

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