Fidelity Youth Account

Fidelity Youth Account opens investing access to teenagers starting at age 13, letting them buy individual stocks, ETFs, and mutual funds with no account minimums or trading fees. The account operates independently but can be monitored by a parent, and includes an optional debit card for spending. This combines actual investment experience with real-world spending management in a single app.

Designed for younger users who want to learn market mechanics before college, or early undergraduates ready to manage their own portfolio. Fidelity's research tools and educational content help reduce intimidation around investing. Parents appreciate the monitoring capability, while teens gain genuine financial autonomy.