Financial freedom begins today

In less than 5 minutes, kickstart your child’s financial future with a modern holistic portfolio.
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4.6
App Store
rating
80K+
family
& children
$9M+
assets under
management
Blackrock

Aggressive

Stocks
iShares Core S&P 500 ETF
iShares Core S&P Small-Cap ETF
iShares Core MSCI Total International Stock ETF
iShares Core MSCI Emerging Markets ETF

Moderately Aggressive

Stocks
iShares Core S&P 500 ETF
iShares Core S&P Small-Cap ETF
iShares Core MSCI Total International Stock ETF
iShares Core MSCI Emerging Markets ETF
Bonds
iShares National Muni Bond ETF

Moderate

Stocks
iShares Core S&P 500 ETF
iShares Core S&P Small-Cap ETF
iShares Core MSCI Total International Stock ETF
iShares Core MSCI Emerging Markets ETF
Bonds
iShares National Muni Bond ETF

Moderately Conservative

Stocks
iShares Core S&P 500 ETF
iShares Core MSCI Total International Stock ETF
Bonds
iShares National Muni Bond ETF

Conservative

Bonds
iShares National Muni Bond ETF

Flexible family investing

EarlyBird gives your family access to a tax-advantaged custodial investment account called an UGMA account.

Fund their future

Funds in an UGMA account can 
be used by your child for any purpose including education, a downpayment on a home, starting a business or traveling the world.

Custodian managed

The account is managed by a custodian (typically a parent) until the child is 18 or 21 depending on the state.

Customize their portfolio

Better exposure for the whole family—With an EarlyBird UGMA account, you’ll have a wider range of investment options and more.

Simple, smart and safe

No experience required
Your EarlyBird portfolio is fully managed and automatically rebalanced for long-term performance.
Diversified investments
With a portfolio of ETFs, your investments are distributed across industries and asset classes, so you take on less risk.
Dollar cost averaging
Monthly or weekly recurring investments make it easier for you to ride the ups and downs in market prices.
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The Power of Community, Compounded

3X your child’s nest egg

With EarlyBird, when parents include family and friends when investing for their child's future, they save 3x more than if they did so alone. We make it simple and meaningful for loved ones to stay connected and invest in the children they love, building more wealth with the power of love and community.
Any hypothetical performance shown is for illustrative purposes only. Such results do not represent actual results and do not take into consideration economic or market factors that can impact performance. This assumes an 8% annual return and an additional $1000 in annual contributions from family and friends under the EarlyBird projection.
Frequently asked questions

We’re an open book.

Are there any extra fees?

There are no extra fees to invest on EarlyBird. The only fee is a monthly subscription of $2.95/child or $4.95/family (2+ kids). This subscription proves access to everything on the EarlyBird app and there will never be any additional hidden fees.

Can I pick my own investments?

EarlyBird has partnered with BlackRock to provide 5 expertly curated and managed portfolios so all you need to do is create your investor profile and EarlyBird will recommend the best portfolio for you. After you select your portfolio, you will be able to customize it by adding up to 2 additional ETF’s.

Should I transfer funds from my 529?

Actually, you can invest in a 529 and an EarlyBird investment account. You don’t have to choose. The primary difference between the two is that funds held in 529s are intended solely for qualified educational expenses. Funds you invest in EarlyBird can be used for expenses that directly benefit the child named on the account, so many people find them to be more flexible. And, while both types of investment accounts come with potential tax benefits, they vary. Visit irs.gov to learn the latest

When does my child access their EarlyBird account?

Your child will get access to their investment account when they turn 18 or 21 depending on the state you live in. At this point, their custodial investment account with transition into their primary brokerage account and they will be able to continue to invest for as long as they want.

What if I need to withdraw funds early?

If you need, you can withdraw funds from your EarlyBird account but per the IRS, these funds must be used for the betterment of the child and reported on your tax filings. Visit the irs.gov to learn more.