Invest in a child’s future.

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

Open a custodial account

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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
A Mother, father and daughter smiling and hugging.

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
Hypothetical Projection: All investments involve risk, including loss of principal. This projection illustrates hypothetically, how factors such as recurring investments (amount and frequency) may impact the long-term value of investing given an 8% hypothetical rate of return (compounded annually). Please note, your account may be different for many reasons including, but not limited to, market fluctuations and volatility, changes in your recurring investments, withdrawals and additional investments, time horizon, taxes and fees, including your Subscription fees. This projection does not represent the actual performance of any client nor does it reflect the performance of any of the underlying investments therein. Diversification, asset allocation, and dollar cost averaging does not ensure a profit or guarantee against loss. Your actual investment return and principal value may fluctuate, so you may realize a gain or loss when shares are redeemed or sold. Please consider your objectives before investing. Investment outcomes and projections are forward-looking statements and hypothetical in nature. Your account balance may be more or less than your original investment. This example is for illustrative purposes only and is not indicative of the performance of any actual investment.
Hypothetical values shown in this tool assume the following factors: 1.) daily contribution of $5.00 2.) a 18 year time horizon 3.) No other account deposits, investments, fees, or dividend reinvestment 4.) No withdrawals taken from this account. This tool does not take your existing account balance into consideration.

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Stash Growth

  • checkmarkFor growing personal finances
Investing access12
  • checkmarkPersonal Portfolio8
  • checkmarkSmart Portfolio7
  • checkmarkRetirement Portfolio4
Banking access1
  • checkmarkStock-Back® Card1
  • checkmarkGet paid up to 2 days early3
Insurance access
  • checkmark$1k life insurance offered by Avibra
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Everything in Stash Growth.
Plus, you’ll also get:

  • checkmarkFor family finances
  • checkmarkStash+ Market Insights
Investing access12
  • checkmark2 Kids Portfolios (custodial accounts)5
Banking access1
  • checkmark1% Stock-Back® up to $10001
Insurance access
  • checkmark$10k life insurance offered by Avibra
Get started

Each plan includes Financial Counseling services which is impersonal investment advice, as it relates to guides, reports, and education material about investing and financial planning. Each plan includes the option to open a brokerage account and a bank account. The subscription fee is due if a client is receiving Financial Counseling Services regardless of whether or not a client chooses to open and/or use a brokerage account. In order to obtain personalized investment advice, clients are required to complete the suitability questionnaire during registration, must be approved from an account verification perspective and open a brokerage account. Click here for more details.

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

By using this website you agree to our Terms of Use and Privacy Policy. To begin investing on Stash,
you must be approved from an account verification perspective and open a brokerage account.