FutureMoney

FutureMoney is an investing app for people who love their kids. With FutureMoney, you’ll effortlessly invest to secure a better life for the youngest members of your family–whether they’re toddlers, teenagers or somewhere in between.

*Secure their tomorrow with small deposits today.*
A little goes a long way when it comes to investing, especially if you invest early and often. That’s the power of compound growth. With FutureMoney, you’ll open an account for your kid and maximize their ability to grow their investments by giving them an 18-year head start. Even just $5 per week could set your kid up for a $1-million retirement account.*

*Raise better humans with lifelong learning*
You have the option of a 529 plan that allows your money to grow tax-free. You can withdraw up to $10,000 per year, penalty-free, for a wide range of educational expenses like K-12 tuition, a new school laptop, a study abroad program in Europe, college textbooks, trade school or graduate studies. FutureMoney makes it easy to support your kid’s development and learning for a lifetime.

*Save for any future they can imagine*
FutureMoney also offers the flexibility to support any goal your kid can dream up. Their account begins as a 529 plan but, after 15 years, you’ll have the option to roll over up to $35,000 into a Roth IRA. That money will grow tax-free until their retirement or whenever they need it, such as for an emergency fund or down payment on a home.

*Invite loved ones to contribute and save more*
There are tons of people who love your kid, obviously. Why not ask them to help you invest in your future adult? If your family likes to give cash gifts on special occasions, FutureMoney will make that cash work harder. After all, the money will go a lot further in an investment account than it will at the toy store.

*Give a gift they’ll never, ever outgrow.*
The thing about kids? They come with a lot of stuff. Seriously, you know this because you’re probably surrounded by toys right now. FutureMoney is a sustainable way to give that ensures your kid has less junk and more freedom to live the life they dream about. FutureMoney is a gift that will grow with them.

*Keep more money with tax advantaged accounts*
There are many different investment accounts. We believe a 529 plan is the best place to start building generational wealth. This is because in 2024 there is the option to roll over money from a 529 plan to a Roth IRA. By leveraging this, growth is tax advantaged but also can be used while your kid grows up.

*Accessible investing for all*
We believe everyone should have affordable and easy-to-use options when it comes to investing. Did you know 42% of Americans don’t own stock (yet)? That’s why we offer sliding fees that work for any income. If your family lives on a reduced income, FutureMoney may be available for free or at a significant discount. We keep our fees as low and as transparent as possible, and if you need help covering the cost of our investing services, please reach out.

*Investment Disclaimer: The statements above are based on a hypothetical scenario involving consistent long-term investing in an index fund with an assumed average annual return rate of 10% over an investment horizon of 65 years or more. Please be aware that this is a projection and not a guarantee. Investing in financial markets involves risks, including the potential loss of your invested capital. Past performance is not indicative of future returns. The 10% assumed return rate is based on historical average returns of the stock market, but market fluctuations can and do occur. The actual return rate could be lower. We recommend obtaining professional advice before making any investment decisions.

Note that Future Money Inc. nor its affiliates provides tax, legal, or financial advice. This information is provided for educational purposes only and should not be considered as advice. For full terms and conditions, please visit https://www.futuremoney.co.