Fidelity Youth®

A teen-owned brokerage account that gives ages 13-17 the freedom to invest in most US stocks, ETFs, and Fidelity mutual funds—while parents stay connected.


Get started

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.1

Investing with as little as $1


Start small and explore the market with confidence with tools, education, and resources built for new investors

Debit card available


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

Safe and sound


Parents can monitor their teen's investments, review transactions, and get notified of account activity to provide guidance and oversight Plus, the Fidelity Youth® Account is 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.2 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

    Teens create a login and agree to in order to activate their new account. Terms & Conditions 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 teen-owned brokerage account that lets teens save and invest in one account. 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.1 The teen is the owner of the account and has control over it (i.e., they are the sole decision maker, not the teen's parent or guardian).

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

    No, the Fidelity Youth® Account is a teen-owned brokerage account. It is owned by the minor, who makes all the investment decisions. This is unlike a custodial account (e.g., Uniform Gifts to Minors Act [UGMA] account or a Uniform Transfers to Minors Act [UTMA] account) where the custodian makes the investment decisions on the minor's behalf.

  • What securities is my teen able to invest in?

    Teens can invest in:

    • 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 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?

    Once the teen reaches age 18, the Fidelity Youth® Account must be converted to a standard Fidelity brokerage account. The assets will stay in the same account and keep the same account number and login credentials.

    As the account owner, the teen will need to agree to a new set of governing documents, including a new account agreement. They will be prompted to convert their account starting on their 18th birthday and will have 60 days from their birthday to complete the account conversion process before their account is locked.

    If the teen has a Fidelity Youth® debit card, it will continue to be valid until it expires. At that point, a new brokerage debit card will be issued. They can access information about their card on the debit card page.3

    The Fidelity Youth® Account is not a custodial account, and the state law definitions of age of majority that pertain to the transition of custodial accounts do not apply to Fidelity Youth® Accounts.

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