Built for Your Family
Enroll Your Child →The Young Investors Family Program is for parents and guardians who believe their child's financial future shouldn't wait until adulthood. Learn how to open the right account, what to teach at every age, and how KIDS Future Fund seeds the investment alongside you.
a child's investment account
growth window from birth
completely free for families
teen years may enroll
The Young Investors Family
Program Is Built for Parents Who...
We guide you through which account type to open, what information you need, and how the verification process works — step by step.
We provide age-appropriate resources that teach children about money, saving, investing, and compound growth — in language that actually makes sense to kids.
That is exactly what donor contributions are for. Once your account is verified, KIDS Future Fund contributes seed capital on your child's behalf.
Military and veteran families receive enrollment priority. Your child's future deserves the same investment as everyone else's — and we make sure it gets it first.
Children should learn ownership of assets, not just spending money. By starting investment accounts early, we give children the most powerful tool in wealth-building — time in the market.
— KIDS Future Fund MissionFinancial Literacy at Every
Stage of Childhood
Children can learn about money at any age — the concepts just need to match their development. Here is what financial literacy looks like across four childhood stages, and what KIDS Future Fund teaches at each one.
At this stage the most important thing is opening the account and letting compound interest begin. Financial learning starts with parents — who learn alongside us.
Young children can grasp the difference between needs and wants, and the basic idea that money saved grows over time. This is where the ownership mindset begins.
At this age children can understand how compound interest works, what a stock or ETF is, and why their account growing without touching it is a good thing.
Teenagers can engage deeply with their accounts, understand diversification, market cycles, and begin making real decisions about their financial future.
Three Account Types That
Qualify for the Program
Families open and own their own investment accounts — KIDS Future Fund never controls or manages them. Here are the three qualifying account types and what makes each one right for different families.
A standard brokerage account opened by a parent or guardian in a child's name. The adult acts as custodian — managing the account until the child reaches the age of majority, at which point ownership transfers automatically.
Uniform Transfer to Minors Act (UTMA) and Uniform Gift to Minors Act (UGMA) accounts allow adults to gift investment assets to minors without a formal trust. Assets transfer to the child at the age defined by state law — typically 18 or 21.
A legally established trust holds assets for a child's benefit with specific distribution terms set by the family. Trusts offer more control over when and how assets are distributed — ideal for families with specific estate planning goals.
Financial Literacy Resources
Included with Every Enrollment
Capital without knowledge produces poor outcomes. Every enrolled family receives access to a library of financial education resources — provided free, forever, as part of the program.
A plain-English guide for parents covering how custodial accounts work, what compound interest means, ETF basics, and how to talk to your child about their investment account.
Age-appropriate materials that teach children the fundamentals of money, saving, investing, and ownership — designed to grow with the child from early childhood through teen years.
Interactive examples showing real numbers — how $100, $500, and $1,000 can grow at various return rates over 5, 10, and 18 years. Designed to make abstract math tangible for families.
Scripts and prompts to help parents start honest, age-appropriate conversations about money with their children — without needing to be a financial expert yourself.
A free monthly newsletter with investing education, compound growth examples, program updates, and a dedicated section for veteran and military families — delivered to your inbox.
A plain-English guide to the newly introduced federal child investment account program. Learn how IRS Form 4547 works, who qualifies for potential government seed contributions, and how this account can complement — not replace — your child’s primary investment account.
A plain-English explanation of IRS Form 4547 — the new federal child investment account program — and how it can complement your KIDS Future Fund enrollment for maximum growth potential.
What Early Investing Can
Look Like Over Time
Time is the most powerful factor in wealth building. The earlier a child's account is seeded, the more dramatic the potential long-term outcome. These figures are illustrative projections — not guarantees.
* All figures are hypothetical illustrations assuming a fixed 8% average annual return, compounded annually. Actual returns will vary. Investing involves risk including possible loss of principal. These are not projections or guarantees of performance.
Five Steps to Enroll Your
Child in the Program
Enrollment is straightforward and completely free. Here is exactly what to expect from first click to funded account.
Open a qualifying investment account (custodial, UTMA/UGMA, or trust) in your child's name at any major brokerage.
Complete our enrollment form with your child's information, account details, and any veteran/military status documentation.
KIDS Future Fund verifies your child's identity, account ownership, and investment structure. Veteran families are processed first.
Once verified, donated seed capital is contributed to your child's account. You receive confirmation when funds are deposited.
Access your financial literacy resources, subscribe to the newsletter, and watch your child's account grow alongside their knowledge.
Children of Those Who Served
Are Enrolled First
KIDS Future Fund was built with military families at its core. Children of disabled veterans and fallen service members receive priority enrollment processing, dedicated support, and military-specific financial literacy resources — because their futures deserve the same investment as everyone else's, and they have already sacrificed more than most.
Apply for Priority Enrollment →Frequently Asked Questions
from Families
Start Your Child's
Investment Journey Today
Every day of compound growth counts. Enrollment is free, the process is simple, and the impact lasts a lifetime. Your child's financial future starts with one decision.
All compound growth figures shown are hypothetical illustrations assuming a fixed 8% average annual return, compounded annually. Actual investment returns will vary and are not guaranteed. All investing involves risk including possible loss of principal. Past performance does not guarantee future results. KIDS Future Fund is not a registered investment advisor and does not provide personalized financial, legal, or tax advice. Account types described (custodial, UTMA/UGMA, trust) are general educational information only — consult a qualified financial or legal professional for advice specific to your situation. KIDS Future Fund's 501(c)(3) tax-exempt status is pending IRS approval.
