Custodial Account

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

$0 commission

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

Tax advantages

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

Get up to $1,000 for a limited time1

Open and fund a new brokerage account with a qualifying deposit by July 31, 2024. Learn how

Use promo code: REWARD24

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.

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