Fidelity Youth®

The only brokerage account teens ages 13–17 can own independently1 for investing + learning—while parents stay connected.


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Fidelity Youth® Account benefits


Helping the next generation grow their knowledge, build smart money habits, and plan for the future.

$0 fees to open


The Fidelity Youth® Account has no subscription fees, no account fees, and no minimum balances to open.2

Investing with as little as $1


Fractional shares make it easy to start small and build confidence, with investments starting at $1.

Debit card available


Teens can optionally request a debit card to make purchases directly from their Youth Account.

Safe and sound


Parents have full visibility into their teen’s account and can monitor their investments, review transactions, and get notifications to help guide and oversee account activity. 



Plus, the Fidelity Youth® Account is covered by SIPC and secured with the Fidelity Customer Protection Guarantee.

Investing and education—together in the Fidelity Investments® app

Fidelity Youth is now part of the Fidelity Investments app, with powerful tools and approachable content all in one place.


More ways to explore markets

Browse investments by sector, collection, or market movers. Use enhanced charts and watchlists to track opportunities and trends over time.


Seamless money transfers

Parents can quickly and easily transfer money from their Fidelity account to their teen’s Youth Account to support saving, investing, and other financial priorities.


Teen-friendly learning

Explore articles and videos designed to help make money topics clear and approachable, from saving and budgeting to investing basics.

How to get started

  1. Parent opens the account

    A parent or guardian must open the Fidelity Youth Account on behalf of their teen; parents must have an existing account with Fidelity.3 To make things easier, both accounts can be opened at the same time.

  2. Teen downloads the app

    The Fidelity Investments app is available on both iOS and Android devices: download it from the App Store® or Google Play™ Store. Teens will see an app experience designed specifically for them.

  3. Teen activates the account

    Teen creates a login and agrees to Terms & Conditions in order to activate their new account. They may request a debit card once the account is activated.


Open a Fidelity Youth Account


Download the Fidelity Investments app

Frequently asked questions

  • What is the Fidelity Youth Account?

    The Fidelity Youth Account is a brokerage account teens ages 13–17 can own independently to invest and learn—while parents stay connected. Teens can also request a debit card to spend from their account. It is not a joint account or a custodial account. There are no subscription fees, no account fees, and no minimums to open the account.2 The teen is the owner of the account and makes the investment decisions, not the parent or guardian. Parents can stay connected by viewing account activity and transactions.

  • Is the Fidelity Youth Account a joint account or custodial account?

    The Fidelity Youth Account is not a joint account or custodial account. It is a brokerage account teens ages 13–17 own independently. The account is owned by the minor, who makes all investment decisions. This differs from a custodial account, such as a Uniform Gifts to Minors Act (UGMA) account or a Uniform Transfers to Minors Act (UTMA) account, where the custodian makes investment decisions on the minor’s behalf.

  • What securities is my teen able to invest in?

    Teens can invest in most US equities with as little as $1 using fractional shares.

    The securities available to teens include:

    • Fidelity mutual funds
    • Most US stocks
    • Some exchange-traded funds (ETFs)
    • REITs
    • Some international equities

    Teens cannot invest in:

    • Third-party mutual funds
    • Corporate bonds
    • Municipal fixed income securities
    • Certificates of deposit (CDs)
    • Treasuries
    • Convertibles
    • Leveraged and inverse ETFs
    • Cryptocurrencies
    • FILI Insurance products
    • Penny stocks (stocks valued at $5/share or less)
    • Foreign currencies

    Additionally, teens cannot engage in options or margin trading or short selling, or participate in a company's IPO.

  • What controls does a parent have over a teen's Fidelity Youth Account?

    Parents have certain controls over a teen's Fidelity Youth Account. They must initiate and approve the opening of the account. They will retain the ability to close the account and/or cancel the debit card at any time, if their teen has one. They will have "inquiry access" to the account as an Interested Party, allowing them to review debit card statements, trade confirmations, and account transactions. The parent/guardian is also designated as the "trusted contact" on the account and can be contacted should a situation concerning the teen's welfare arise. However, the parent/guardian of the Fidelity Youth Account cannot transact in the account or withdraw money from the account.

  • How is the money in a Fidelity Youth Account safeguarded?

    The Fidelity Youth Account, like other Fidelity brokerage accounts, is covered by SIPC. This includes money market funds held in a brokerage account, since they are considered securities. Learn more about SIPC coverage at www.sipc.org.

  • What happens when my teen turns age 18?

    When a teen with a Fidelity Youth Account turns 18, their account is eligible to convert to the regular Fidelity brokerage account with expanded features like option and margin trading.

    The teen will be prompted to convert their account starting on their 18th birthday. They will have 60 days to do so before their ability to trade and their debit card (if they have one) will be restricted. Once the account is converted, any debit card that the teen was issued for their Fidelity Youth® Account will continue to be valid until it expires; at that point, a new debit card will be issued.4

    Once a teen turns 18, the teen may choose whether the parent/guardian will continue to have access to that teen’s Fidelity Youth® Account information.

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