我前面说了，我家孩子就是一出生就在fidelity开的投资账号。 你可以联系一下他们的客服。

你开Custodial account (UGMA/UTMA)，别开youth acct

https://www.fidelity.com/building-savings/child-saving-and-investing

等孩子开始打工了，开roth ira

我家孩子一出生就在fidelity开了Custodialaccount (UGMA/UTMA)

Account control

Money in the account belongs to the child, with the adult acting as custodian until the child reaches a certain age (between 18 and 25, depending on the state), at which point the assets must be transferred to the child.

Child eligibility

Must be younger than 18.

youth acct是13-18岁

2024年是2600。头1300免税。第2个1300按10％交税。