Building wealth for your children isn't a single investment — it's a lifetime of phases, each handing a growing balance to the next. Model every stage, including windfalls and life events.
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Starting from birth — every year counts!
Annual Return Rate
8%
End Age
Age 65
Portfolio at 65
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You Invested
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Market Added
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Multiplied
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Portfolio Growth
Portfolio value
Total contributed
Life event
Milestone Snapshots
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Investment Phases & Life Events
Build your child's relay race
Phases are regular monthly contributions. Life Events are one-time injections — selling a business, an inheritance, a bonus, or a liquidation. Both compound forward.
The relay race insight: Each phase doesn't start from zero — it inherits a compounding balance from everything before it. Life events like selling a business can be the single most powerful accelerant in your child's wealth journey. That first dollar invested at birth is still worth more than any dollar invested after 40.
Ready to make this real?
Connect with a certified financial planner who specializes in children's wealth. They'll review your scenario and help you choose the right accounts, tax strategy, and investment approach.
Where to Put It
The right account changes everything
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Custodial Account (UGMA/UTMA)
No contribution limits, no restrictions on use. The most flexible way to transfer wealth to children.
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529 College Savings
Tax-advantaged growth for education. Contributions grow tax-free when used for qualified education costs.
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Roth IRA for Kids
If your child has earned income, Roth IRA contributions grow completely tax-free for 60+ years.
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Trusts & Wealth Transfer
For larger estates, trusts give you control over when and how wealth passes to your children.
Common Questions
What parents ask about investing for kids
What's the best investment account for a child?
It depends on your goals. A 529 is best for college savings, UGMA/UTMA for flexibility, and a Roth IRA for the most powerful long-term tax-free growth if your child has earned income. A financial planner can help you combine these strategically.
How much should I invest for my child each month?
Even $50–$250/month started early can grow to life-changing amounts. The most important factor is starting now — use the phase builder above to model your exact scenario.
Can I open a Roth IRA for my child?
Yes — as long as your child has earned income. Contributions are capped at earned income or the annual IRA limit. The 60+ years of tax-free growth makes this one of the most powerful gifts a parent can give.
What rate of return should I use?
The S&P 500 has historically returned 7–10% annually over long periods. Use 6–7% for conservative planning, 8% for moderate scenarios. Past performance does not guarantee future results.
What is generational wealth?
Financial assets passed from one generation to the next — investments, real estate, businesses, or trusts. The relay race model above shows exactly how consistent investing builds this kind of lasting wealth.
When should I connect with a financial planner?
Now. The biggest cost in children's investing is delay. A single conversation with a family financial planner can save years of missed compounding. Our vetted planner network is ready to help.
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