Investing for an 11-Year-Old
At age 11, most children have no earned income and are not eligible for a Roth IRA. UGMA/UTMA accounts remain appropriate with high equity allocation given the long retirement runway. A 529 education account has a 7-year horizon before typical college entry; age-based portfolios shift toward a more moderate equity position around this point. The full teen years guide covers account strategy, priority stack, and allocation decisions for ages 10-19.