Investing for a 2-Year-Old
A 2-year-old has a 63-year runway to age 65. No earned income means no IRA. Parent-controlled accounts only: 529 for education and UGMA/UTMA for long-term wealth. Kiddie tax threshold is $2,700 (2026). Keep UGMA/UTMA distributions below this by holding low-yield, low-turnover index funds.