Financial Literacy Starts at Home: Researching Stocks with Your Kids
A new WSJ study shows that most retail investors skip doing research before buying stocks—a risky habit we can change at home. At UNest, we believe that financial literacy starts young and grows with consistent family conversations.
Use your child’s UNest UTMA account as a learning opportunity. Research companies together. Talk about dividends, risks, and why saving is a long-term game. These lessons don’t just build wealth—they build wisdom.
Help your kids ask the right questions about money, and give them the tools to answer them. Start your financial literacy journey with UNest.
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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