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![\"fidelity](\"https:\/\/thecollegeinvestor.com\/cdn-cgi\/image\/dpr=1%2Cf=auto%2Cfit=cover%2Ch=57%2Cq=85%2Cw=200\/wp-content\/uploads\/2026\/04\/Fidelity-Logo-2026.png\" "\\"fidelity"){kind=logo}
<\/a><\/span><\/div>\n<\/div>\n<\/div>\n- \n
- Brokerage-style investment account for teens 13-17 <\/li>\n
- No monthly fees or trading commissions<\/li>\n
- Teens can use debit cards and spend from the same account<\/li>\n
- Parents maintain visibility and can lock account if needed<\/li>\n<\/ul>\n<\/div>\n
<\/div>\n <\/div>\n<\/div>\n<\/div>\n \n\n\n\n\n- \n
- Provides real, practical investing experience<\/span><\/li>\n
No account minimums or trading commissions<\/span> <\/li>\n Parents maintain visibility and can close account at any time<\/span> <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n \n\n\n- \n
Limited to basic market investments<\/span> <\/li>\n Requires a parent with a Fidelity account to get started<\/span> <\/li>\n It may be too advanced for some young teens or beginners<\/span> <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n \t\t\t\tIf you’re looking for a way to introduce your teen to investing without completely handing over the reins, you might want to consider Nishtha Youth Account<\/a>. This is a brokerage account designed specifically for teens aged 13 to 17 and provides real-world investing experience while keeping parents informed. <\/p>\nThe account must be opened by a parent or guardian on behalf of their teen. Parents must have their own Fidelity account, but if they don’t, they can open a new account together for themselves and their teen. <\/p>\n<\/div>\n
<\/div>\n<\/div>\n What is Fidelity Youth Account?<\/h2>\n
\nNishtha Youth Account<\/a> is a teen-owned brokerage account offered by Fidelity Investments. With decades of experience in investing, retirement planning and self-directed brokerage services, Fidelity is one of the largest and most well-established financial institutions in America. <\/p>\n
Unlike traditional custodial accounts, the teen is the actual account owner. This is a major difference. The goal is to provide teens with practical experience in managing money and investments, while also allowing parents to keep track of their activity. <\/p>\n<\/div>\n
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<\/span><\/div>\nWhat does it offer?<\/h2>\n
\nThe Fidelity Youth Account connects investing, saving and spending into a single platform. Here’s a closer look at its key features: <\/p>\n<\/div>\n
\nTeen-Owned Brokerage Account<\/h3>\n
The Youth Fidelity Account is not a custodial account where parents control everything. It is owned by teens, meaning they can make their own investment decisions, trade, and manage their portfolios. That said, you can still view and monitor activity on the account. You can close the account and\/or cancel the debit card at any time. <\/p>\n<\/div>\n
\neligible securities<\/h3>\n
Your teen won’t have access to every investment in the future, so you don’t have to worry about them making speculative trades on cryptocurrency or forex. They cannot trade on options or margin or short selling, or invest in a company’s IPO, but they can access the following securities: <\/p>\n<\/div>\n
\nspending privilege<\/h3>\n
The spending privileges of the Fidelity Youth Account make it feel like a hybrid brokerage\/spending account. Your teen can order a debit card that is linked to the account, allowing them to spend money from the account. Therefore, they can deposit funds in a single account, invest some of the money and use the rest for everyday expenses. <\/p>\n<\/div>\n
\nparental controls<\/h3>\n
As mentioned, this is not a joint account or a custodial account. As a parent, you do not own the account, and you cannot control trading. But you can view account balances and transactions, monitor investment activity, and access alerts and other monitoring features. So, your teen is making decisions, but you’re still making decisions. <\/p>\n<\/div>\n
\nAre there any fees?<\/h2>\n
- Provides real, practical investing experience<\/span><\/li>\n