UNest

Know someone who has been thinking about saving or investing for a child's future?

Invite them to join UNest through your referral link.

When your friend signs up for an eligible account and completes 3 consecutive monthly deposits, you'll receive a $20 referral reward.

Sharing is easy directly from the UNest app.

📲 Download the app and start referring today.

Referral program terms and eligibility requirements apply. Investing involves risk, including possible loss of principal. Please review the full referral terms within the UNest app.

We know that investing for your child's future can feel overwhelming and we want you to know: we're here for you, every step of the way. 💚

The UNest app was built to make it simple, right from your phone:

📲 Make one-time deposits whenever you're ready
🎁 Share your gifting link so loved ones can contribute
🏆 Earn rewards by making purchases from your favorite stores
📚 Explore our Learn sessions to grow your financial confidence

You don't have to figure this out alone. Whether you have a question or just need a little guidance, our team is always ready to help.

Reach out anytime and start your journey at UNest.co 💚

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Investment involves risk, including possible loss of principal. UNest accounts are investment accounts and are not FDIC insured. Past performance is not indicative of future results. UNest is not a bank. This content is for informational purposes only and does not constitute investment advice. Please review full disclosures at UNest.co before investing.

Okay, real talk, when I first started looking into savings options for my kid, I had 47 browser tabs open and still felt completely lost.

UTMA? 529? Just throw it in a savings account? What does any of it mean?

So here's the version I wish a friend had texted me:

A UTMA custodial account (what UNest uses) is an investment account in your child's name. You're in charge of it until they reach the age of majority in your state. The cool part? The money can go toward anything — college, a car, starting a business, whatever they need. Since it's an investment account, it has the potential to grow over time. It can also lose value — that's just how investing works, and it's worth knowing going in.

A 529 is specifically for education. It can come with some nice tax advantages for qualifying education expenses, but there are restrictions on how the money gets used.

A regular savings account is steady BUT no market risk. The trade-off is that it typically has lower growth potential over the long term.

And if you've seen people talking about the new 530A ("Trump Account").That's a new federal account type launching July 4, 2026. We're working on bringing it to UNest and will keep you posted.

None of these options is wrong. A lot of families actually use more than one depending on their goals. If you want personalized guidance, a financial professional is always going to be your best resource for figuring out what fits your family.

-Alexis UNest Customer Support

This is for informational purposes only and is not investment, tax, or legal advice. UTMA custodial accounts involve investment risk, including possible loss of principal. Past performance does not guarantee future results.