UNest | Insights

LATEST POSTS

Teaching Kids the Difference Between Investing and Gambling

Teens need to understand investing isn't gambling. Teach the difference before they make costly mistakes.

The Power of Dollar Cost Averaging: Why Consistency Wins in the Long Run

Dollar cost averaging removes emotion from investing. Consistent contributions build wealth regardless of market swings.

Continue Reading →

Millennial Parents Are Breaking Old Parenting Norms - and It's a Good Thing

Millennial parents are rewriting the parenting playbook. New approaches include smarter financial planning.

Continue Reading →

Maximize Your Tax Savings with These Family-Friendly Strategies

Smart tax strategies can boost your family's savings potential. Learn how to maximize benefits while building your child's future.

Continue Reading →

AI Is Changing Education—Are You Planning for That Future?

AI is transforming how we learn and work. Prepare your child for this evolving landscape with flexible savings.

Continue Reading →

Celebrate Independence with UNest Rewards

Celebrate your family's path to financial independence. UNest rewards make building your child's future even more rewarding.

Continue Reading →

Budgeting for Big Goals Starts with Small Steps

Big financial goals start with small consistent steps. Learn how simple budgeting can fund your child's dreams.

Continue Reading →

How to Teach Your Child About Investing—with UNest by Your Side

Teaching kids about investing builds lifelong financial skills. UNest provides the tools to make those lessons real.

Continue Reading →

6 Ways to Reduce Costs in 2025—And One That Builds the Future

Smart cost-cutting creates opportunities to invest in your child's future. Discover six ways to save and one that builds wealth.

Continue Reading →

Public Universities Shape Leaders - UNest Helps You Save for That Future

Public universities have shaped countless leaders and innovators. Start saving now to give your child that opportunity.

Continue Reading →

Parenting Comes with Mental Load—Let UNest Lighten It

Parenting is mentally exhausting without adding financial stress. Let UNest simplify saving for your child's future.

Continue Reading →

Financial Power for Women Starts at Home

Teaching financial skills at home empowers the next generation of women. UNest makes building wealth accessible for every family.

Continue Reading →

Raising Financially Responsible Kids Starts at Home

Teaching kids about money at home builds lifelong financial habits. UNest gives parents tools to start money conversations early.

Continue Reading →

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

Read

Tap to flip back

Investing for your kid’s future

Dave Ramsey

Personal Finance Expert

Tap for more

...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

Read

Tap to flip back

Straightforward “starter” investing account for kids

JILL SCHLESINGER

Emmy winning Business Analyst

Tap for more

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

Watch

Tap to flip back

Give children money that can accumulate over time

Jim Cramer

CNBC Host

Tap for more