How to Teach Your Child About Investing—with UNest by Your Side
Investing is one of the most powerful tools a child can learn about, especially when it’s introduced early and made relatable. That’s why UNest doesn’t just simplify saving—it creates real engagement for families to talk about money, values, and the future.
By using UNest together, parents can show their children how money grows, how decisions impact outcomes, and how long-term thinking builds confidence and opportunity. Sit down monthly to review their account, set short- and long-term goals, or talk about companies they care about and how their investments support innovation.
In addition to tracking investments, UNest offers insights and educational prompts to help you explain concepts like compound interest, diversification, and risk tolerance in ways that make sense at every age. It turns abstract financial literacy into hands-on experience—just like learning to ride a bike, but for their financial future.
Investopedia outlines a thoughtful approach to teaching kids about investing, starting with simple, age-appropriate lessons. But beyond theory, UNest provides a way to turn those lessons into real-world experience.
By opening a UNest account, your child gets more than a piggy bank—they get a growing portfolio. As parents, you can show them what investing looks like in practice: tracking returns, setting goals, and watching savings grow.
Financial literacy begins at home, and the best learning comes through doing. With UNest, you can reinforce core money principles like compounding, patience, and diversification—all without complex financial jargon.
It’s never too early to empower your child with financial confidence.
Start their investment journey today with UNest:Click here to Download the UNest app
Don't just take our word for it
Hear what trusted money experts say about why UTMA and UGMA accounts can be a smart way to invest for a child’s future.
There are some tax advantages to using UGMA and UTMA accounts… Since they’re in your child’s name, the accounts will be taxed according to their tax bracket… There are no contribution limits on UGMA and UTMA accounts.
Dave Ramsey
Personal Finance Expert
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Investing for your kid’s future
Dave Ramsey
Personal Finance Expert
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...you could consider opening an account where you can dive deeper with the kids by your side. The easiest way to do so is to open a custodial account, known as an UGMA ... or UTMA ... account.
Jill Schlesinger
Emmy winning Business Analyst
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Straightforward “starter” investing account for kids
JILL SCHLESINGER
Emmy winning Business Analyst
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You can give children money that can accumulate somewhat tax-free over time... I love them (UTMAs) because they were like, trusts that you didn't need lawyers to create.... I think it's one of the better tax breaks around though. I know hunting for tax breaks may not sound very exciting, but that's how you take care of your family.
Jim Cramer
CNBC Host
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Give children money that can accumulate over time
Jim Cramer
CNBC Host
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