The Future Fund

Start with $500. Add $50 a month for a year. Turn a meaningful gesture into a thoughtful head start—with a contribution plan and a letter about the future you imagine for them.

Starter funding $1,100 / gift · contributions, not a fee

Thoughtfully included

Configurable initial gift, monthly contributions and funding duration
Acorns custodial-account or existing-brokerage exploration
Illustrative first-year and age-18 scenarios
Proposed setup guidance, milestone reminders and handoff coordination

Request your gift. No payment now. Every detail confirmed with you.

Starter funding is $1,100 per recipient before optional spare change, provider costs or a separately quoted coordination fee. This is a planning request, not an account opening or investment purchase. We do not hold funds, access accounts, select investments, execute trades or guarantee returns. Acorns is a researched provider option, not a confirmed partner. Eligibility, account ownership, funding methods and any proposed coordination service require confirmation.

THE DETAILS THAT MATTER

A thoughtful plan, not a shortcut.

How would you help us fulfill this gift?

After your request, we propose a coordination plan: confirm recipient and account eligibility, help organize the setup steps with the provider, document your contribution intention, and agree any reminders or handoff communications. You open and authorize the account yourself. We never take custody of investment money, use your login, make investment decisions or trade for you. Scope and any coordination fee are quoted separately; reminders are not activated by this form.

How does Acorns invest, and can I gift to a newborn?

Acorns Early Invest uses a UGMA/UTMA custodial structure and diversified ETF portfolios. An eligible adult custodian opens the account for the child directly with Acorns. Friends and family can contribute through its gifting features. Provider eligibility, subscription pricing and fees must be checked at setup; this is not a partnership or individualized investment recommendation. Acorns account guidance · Current provider pricing.

Can I use Round-Ups for the gift?

Acorns describes Round-Ups as spare-change investing in the adult’s Acorns Invest account. Early Invest lists one-time, recurring and gift contributions. We cannot promise that your Round-Ups go directly to a child’s account or that moving the resulting assets is supported. Request a spare-change budget and we’ll ask the provider about an eligible pathway. No card or bank account connects on this site. Round-Ups guidance · Child-account contributions.

Can I transfer the account after 12 months or at age 18?

A 12-month commitment can end contributions; it does not change custodial ownership rules. UGMA/UTMA gifts belong to the child, with the custodian managing until the applicable state transfer age. Acorns reports transfer ages typically 18–25 depending on state. An adult wedding gift or stock gift uses a different process: the recipient opens an eligible account, and the broker confirms whether an in-kind gift transfer is supported. Accounts cannot simply be renamed on demand; fractional shares may require sale. Acorns transfer guidance.

Is gifting stock free of capital gains tax?

An eligible in-kind gift generally does not involve the donor selling shares, but it does not erase potential capital gains. The recipient generally carries over the donor’s basis for gains; special rules can apply for losses. Selling first can trigger gains, income or dividends may be taxable, and gift-tax reporting can apply. Brokerage restrictions, the recipient’s circumstances and applicable law matter. Get advice from a qualified tax professional before any transfer. IRS gifted-property basis guidance.

What could the starter gift become?

The suggested $500 initial gift plus $50 per month for 12 months is $1,100 contributed, before spare change and fees. Change the assumptions in your request to explore first-year and age-18 scenarios. A constant hypothetical return is not an Acorns forecast, interest guarantee, expected outcome or financial advice. Actual returns vary and losses are possible; fees can materially reduce smaller balances.