Invest in a child’s future.

Give them a head start with a custodial account. Start with $5.

Open a custodial account
Manage your children's portfolio screen in Stash investment app.
Cynthia's custodial account showing a balance of $312.15.

What’s a custodial account?

With a custodial account (aka Kids Portfolio at Stash), you can buy stocks and ETFs on behalf of the children in your life—and the money is theirs when they turn 18. Custodial accounts can be opened by parents, grandparents, or even friends—anyone who wants to pass on generational wealth.

How to open a custodial account.

Custodial accounts are only offered through our Stash+ account. Once you join Stash+, we’ll help walk you through the process of setting up your custodial account(s).

To prepare, you’ll need the following information for each child:

  • checkmarkFull legal name
  • checkmarkDate of birth
  • checkmarkSocial security number
Two parents holding their baby while smiling.

If you invest $5 a day from when a child is born, they could have over $73,000 by age 18.

Open a custodial account
This calculation is a hypothetical estimate of how much an investment could grow over time. It is based on a daily contribution of $5, an 18 year time horizon, no other account deposits, investments, or dividend reinvestment, no withdrawals taken from this account, and a theoretical 8% rate of return, compounded annually. Changes in these variables and factors like market fluctuations and volatility, taxes and fees, and your Stash subscription fee can affect portfolio performance. This projection is for informational purposes only and is not the actual performance of any client or Stash portfolio. All investments involve risk, including loss of principal.

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Stash Growth

$3/month1 month on us
Advice11
  • checkmarkFor beginner investing
  • checkmarkFor personal finances
  • xFor family finances
  • xStash+ Market Insights
Investing access12
  • checkmarkInvest in stocks and ETFs
  • checkmarkPersonal Portfolio8
  • checkmarkSmart Portfolio7
  • checkmarkRetirement Portfolio4
  • x2 Kids Portfolios5
Banking access1
  • checkmarkGet the Stock-Back® Card1
  • checkmarkGet paid up to 2 days early3
  • xEarn 1% in stock on card purchases1
Insurance access
  • checkmark$1k life insurance offered by Avibra
Get started

Stash+

$9/month1 month on us
Advice11
  • checkmarkFor beginner investing
  • checkmarkFor personal finances
  • checkmarkFor family finances
  • checkmarkStash+ Market Insights
Investing access12
  • checkmarkInvest in stocks and ETFs
  • checkmarkPersonal Portfolio8
  • checkmarkSmart Portfolio7
  • checkmarkRetirement Portfolio4
  • checkmark2 Kids Portfolios5
Banking access1
  • checkmarkGet the Stock-Back® Card1
  • checkmarkGet paid up to 2 days early3
  • checkmarkEarn 1% in stock on card purchases1
Insurance access
  • checkmark$10k life insurance offered by Avibra
Get started

Frequently asked questions

How much does a custodial account cost?

The cost of a custodial account is included in a Stash+ subscription, which is $9/month.

Do custodial accounts get taxed?

Yes—but there are tax advantages. Until the child turns 18, investment income is taxed at a child tax rate.5 And a proportion of unearned income might be considered untaxed. Check here for more about custodial accounts and taxes. This should not be construed as tax advice. Please consult a tax professional for additional questions.

Is the Stash Custodial Account a Uniform Transfers to Minors Act (UTMA) account or Uniform Gift to Minors Act (UGMA) account?

Stash offers UGMAs.5 UGMA accounts are limited to financial assets of cash, securities—stocks, bonds, or mutual funds—annuities, and insurance policies. All U.S. states allow UGMA accounts.

The other type–UTMA accounts–can hold virtually any kind of asset, including real estate, intellectual property, and works of art. Stash does not offer UTMAs.

What is Stash?

Stash is a personal finance app that can help anyone improve their financial life.

From budgeting to saving for retirement, Stash features banking, investing, and advice all in one app. We’ve helped millions of Americans reach their financial goals–all for one low monthly price.

Give the gift of a brighter future.

Open a custodial account