Invest in Your Child’s Tomorrow, Today
Secure your child’s future and give them the gift of financial freedom with their very own trust fund.
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We’ll never share your info with anyone*
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Why choose us
With allset, every child can have a financial safety net for the future. Start investing today to ensure that your child is prepared for a secure and prosperous future.
Power of Compounding
By starting early, your investments grow much more over time than if your child starts saving at adulthood.
A $10,000 investment will grow to $31,406 over 18 years. That same $10,000 investment could grow to $882,319 over 65 years. That’s the magic of compounding.
Full Control of Distributons
You decide when your child can access the funds and how they can use them. You can even offer early withdrawals.
Don’t let your children blow their savings on a car when they turn 18. Invest in their financial freedom.
Flexibility for Life’s Events
Your child can borrow against their account for life’s major events: college, home purchase, and more.
Obtain liquidity through debt collateralized by assets, without losing out on compounded growth of the assets.
*The calculations assume investment performance of a representative age-based portfolio with overall compounded annual growth of 8%, capital gains tax rate of 20% for trusts, and annual fees of 0.5% of assets. Your account may perform differently due to changes in recurring investments, time horizon, or returns.
How it works
1. Sign Up
Join us and create your account in minutes.
2. Set Up Trust Funds
Our AI-powered system makes setting up a trust fund for your child easy and hassle-free. Think of it as a purpose-built vehicle designed for simplicity and security. You make the rules – when your child receives the assets and how they can use them. You don’t need to have millions of dollars – we make it quick and simple for anyone to establish a trust fund.
3. Initial Investment
Invest an initial amount to lay the foundation for your child’s secure retirement. We recommend at least $5,000 but you can decide. No worries if you don't have the money - we make it easy for you to pay over time or to raise funds from your family and friends.
4. Regular Contributions
Boost your child’s future with regular contributions on a monthly basis. You can even invite family and friends to donate for your child’s birthday, the holidays, or as often as you want.
5. Monitor and Manage
Keep track of growth and get personalized investment recommendations with the our intuitive platform.
6. Access to Liquidity
Your child can use their assets as collateral to get loans to finance life’s biggest events, like paying for college or buying a home, without losing the power of compounding.
Financial Freedom Calculator
Play with the numbers to see how much your child's fund stacks up at each milestone in life. The power of compounding empowers your choice.
Initial contribution amount
$5000
Your monthly saving goal
$100
Gifts each year from family & friends
$750
Your kid’s age
1
Your Contributions
$110,700
Family and Friends
$80,000
Investment Gains
$60,000
$81,553
At age 18 to get a loan to pay for college
$199,731
At age 30 to get a mortgage for first home
$2,320,422
At age 65 to retire comfortably
*The calculations assume investment performance of a representative age-based portfolio with overall compounded growth of 8%, annual inflation of 2%, capital gains tax rate of 20% for trusts, and annual fees of 0.5% of assets. Your account may perform differently due to changes in recurring investments, time horizon, or returns.
Assumes that contributions growth at the rate of inflation, and stop after age 18 of the child. Collateral value of assets at ages 18 and 30 do not factor in capital gains taxes.
Assumes that contributions growth at the rate of inflation, and stop after age 18 of the child. Collateral value of assets at ages 18 and 30 do not factor in capital gains taxes.
Grow the team around your child
With allset, friends and family can join your team so that your child can retire comfortably and pursue their dreams without financial worries. Your team can add to your child's fund for their birthday, holidays, special occasions, and more. It takes a village to raise a child.
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For your Child’s Financial Freedom
Unlike other products, allset provides you with complete control over your child’s assets, offering higher contribution limits and greater flexibility for both retirement and other uses, all without requiring your child to have earned income.
Custodial Account (UTMA/UGMA)
529 Plans
Custodial Roth IRA
Purpose
Any
Any
Education Only
Retirement Only
Age of Distributions
Customizable
18-21 years
Until Used For Education
Starting Age 59.5
Parent Control of Use and Distributions
Full Control
No Control
Limited to Education
No Control
Available for Children Without Earned Income
Yes
Yes
Yes
No
Annual Contribution Limits
None, subject to gift tax rules
None, subject to gift tax rules
Depends on State
Up to $7,000
Frequently Asked Questions
Why should I use Allset over other options like custodial (UGMA/UTMA accounts), 529 plans, and Roth IRAs for children?
Allset is the easiest way to secure your child’s financial future. We give you full control over your child’s assets, higher contribution limits, and flexibility to use funds for buying a home, starting a business, financial independence, retirement, or other major life events—all without requiring your child to have earned income. Other products may limit the use of funds to specific purposes like paying for education, may require your child to have earned income, or offer no parental control over when and how your child can use the funds.
How does Allset help me save for my child’s retirement?
Allset allows you to set up a trust fund that gives you the flexibility to decide when and how your child can access assets. You can invest in selected financial products, leveraging the power of compounding by starting early. This ensures significant growth over time, providing a substantial retirement fund for your child. With automatic monthly payments from your bank account, you can invest in your child’s future effortlessly. You can even invite family and friends to contribute to your child's fund..
How secure is my investment with Allset?
Allset provides access to highly-liquid investment products, including mutual funds, index funds, and ETFs, which have historically yielded positive returns. While past performance is not indicative of future results, the S&P 500 has historically returned 8-10% per year. Our platform employs industry-standard security measures to safeguard your investments. We work with third-party custodians to hold your assets.
Can I choose the specific investments of my child’s allset account?
We currently offer a curated selection of mutual funds, index funds, and ETFs that track major equity indexes, keeping it simple for you to invest. Over time, we will develop the capability to provide tailored investment recommendations using artificial intelligence based on your target risk profile.
Who can contribute to my child’s Allset trust fund?
Anyone can contribute to your child’s Allset trust fund, including grandparents, family members, and friends. This makes it easy to build a strong financial foundation with support from your network. Contributors will know they’re part of the team, but you control how much of the fund’s activity is visible to them. We send reminders to contributors around holidays and your child’s birthday, and make it easy for them to link a bank account or use a credit/debit card or digital wallets like Apple Pay and Google Pay.
How much does Allset cost?
Allset charges an initial set-up fee for trusts, depending on the type of trust you choose. In addition, we charge an annual fee of 0.5% of the assets you have through AllSet or $4 monthly, whichever is greater. We believe in fair pricing and the importance of our mission; that’s why we offer transparent and affordable prices, to make sure that your child gets as much out of the power of compounding.
Why should I set up a trust fund for my child?
A trust fund isn't just for the ultra-wealthy; a trust fund offers control over how and when your child can access the funds, ensuring they are used as intended. Setting up a trust fund for the purposes of saving for your child's future on allset is straightforward: sign up on our platform, use our AI-powered system to establish the trust in minutes, make initial cash contributions to invest, invite others to contribute, and see your savings grow.
What happens if I need to change the terms of the trust?
Allset trusts are designed to offer flexibility. While the specifics can depend on whether the trust is revocable or irrevocable, our platform provides tools to help you manage and update the trust as needed.
Who is the team behind Allset?
Our team has years of experience in financial services and the tech industry. We are supported by a network of advisors who have established and scaled leading technology companies.