Now is the time to plan ahead
Your future is shaped by the plans you make today.
A kids investment account is a custodial account under the “Uniform Gifts to Minors Act” (UGMA) that allows adults to gift things like cash, stocks and bonds to minors. Parents, guardians or grandparents maintain the account for the child, who becomes the owner when they reach adulthood.
Learn more with this .
All it takes is an initial deposit of $20 to start. No hidden fees, just a flat $3/mo admin fee for one child ($5/mo for multiple).
As adults, your child will be able to withdraw money anytime. While they’re minors, you can withdraw for the things they need and enjoy tax advantages.
Open an account, add money and see how it could grow — no confusing jargon or forms.
Get help finding your personal investing style — no experience needed.
Feel confident before you commit, with a trial period on all new accounts to help you get comfortable.
Close your account easily if you decide it’s not right for you — no questions asked.
¹Custodian can make withdrawals and use the funds for any purpose that directly benefits the account holder (the minor). Once the account transfers to the account holder, they may use funds for any purpose.
Move the sliders to see how your child’s account might grow with them throughout the years, with the power of compounding interest.
This figure is provided for illustrative purposes to assist you in selecting a desired rate of monthly contributions and should not be relied upon or assumed to be an accurate projection of future account balances, which cannot be guaranteed.
This figure is intended as a possible reference point and assumes (i) a simple annual rate of return not exceeding 14% over the life of the account; (ii) regular contributions are made at the specified monthly and annual intervals for the selected period of time but not exceeding an age of majority of 25; and (iii) no additional contributions or withdrawals are made to or from the account prior to such time. The age of majority varies by state, and individuals may continue to hold the account beyond this age, subject to the account terms. Please consult with your account provider for specific age limitations.
Actual investment performance of your account will differ from this illustrative example and therefore should not be relied upon and is not a guarantee of future performance. Potential for actual investment performance will vary significantly due to market conditions and other factors. Values are rounded to the nearest dollar. Investing involves risk including the loss of principle.
Your investment may grow over time and support their dreams in childhood and adulthood. Here’s how:
Unlike a 529 plan, which is restricted to qualified education expenses, a UGMA kids investment account can be used for almost/nearly anything that benefits your child — whether they’re minors, in college or beyond. See how they compare.
¹ You can roll over up to a lifetime limit of $35,000 of unused 529 plan funds into a Roth IRA for the beneficiary, tax- and penalty-free, provided the account has been open for 15+ years.
An account that earned $1,500 this year would only pay $15 in taxes².
¹ For 2026
² Taxed at the lowest bracket (10%). The specific tax amount depends on the tax year and the child’s tax rate.
We offer a simple, hassle-free way to invest in their future — with no commitments and no hidden fees.
Fabric by Gerber Life has a proven track record of helping families save for the future
Investment advisory services are provided by an SEC-registered investment adviser that is a member of Western & Southern Financial Group. Western & Southern Financial Group has a heritage dating back 135 years.
Accounts are SIPC-insured up to $500,000 with bank-level security and encryption.
¹ Portfolios are managed by our SEC-registered partner, W&S Advisory Services, a member of Western & Southern Financial Group, a financial services company with a heritage that dates back 135 years.
Investment advisory services tied to the Fabric by Gerber Life platform are provided by W&S Advisory Services, LLC, an SEC registered investment adviser. Registration as an investment advisor does not imply any level of skill or training. Custody, brokerage, and clearing services are provided by Apex Clearing Corporation, a registered broker-dealer and member FINRA/SIPC. As a member of the Securities Investor Protection Corporation (“SIPC”), funds are available to meet customer claims up to $500,000, including a maximum of $250,000 for cash claims. For additional information regarding SIPC coverage, including a brochure, contact SIPC at (202) 371‐8300 or visit www.sipc.org. Please consider your objectives before opening an investment account. Investments in securities involve the risk of loss. A diversified portfolio does not ensure a profit or protect against a loss. Past performance does not guarantee future results.
