Investing for a 10-Year-Old
At age 10, most children have no earned income, so a Roth IRA is not yet available. UGMA/UTMA accounts continue with high equity exposure on a roughly 55-year retirement runway. A 529 education savings account at age 10 has an 8-year horizon before typical college entry, so an age-based portfolio may begin shifting toward a more balanced allocation. The full guide for the teen years covers accounts, priorities, and allocation decisions for this stage.