Help build a child’s future
- Manage a child’s portfolio until they come of age
- Can be managed by a parent or another designated custodian
- No contribution or income limitations
- Get easy access to your cash with a free debit card3, checking4, and Bill Pay5
stock, ETF, and options trades2
Why a custodial account?
Build for the next generation
You control the account until the child turns 18 or 21 (depending on your state).
There are no contribution or income limitations, and you can make withdrawals for any purpose without penalties
The first $1,050 of earnings are not subject to federal taxes, and the account qualifies for the $15,000 annual gift tax exclusion
Investment choices, advice, and more
You can create a vesting schedule for the plan, and your employees can borrow money against their accounts
Trade more, pay less
With E*TRADE from Morgan Stanley, you pay a $0 online commission for stock and option trades. Here’s a quick overview of our clear, competitive per-trade pricing.
Explore similar accounts
IRA for Minors
For children with earned income
A retirement account managed by an adult for the benefit of a minor under age 18.
Save for a child’s education
Tax-free withdrawals for qualified educational expenses, such as tuition and books.
Investing and trading account
Buy and sell stocks, ETFs, mutual funds, options, bonds, and more.