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(like Fidelity acct) you can do fractional ETF purchase. So you dont need $200+ to purchase VTI. There are some trading limitations (no short sell/margin/option trading) but should not matter to kids. Upon turning 18, kid can change。

To access these new features, the teen can download the free Fidelity Youth app from their devices app store, available for both iOS and Android devices. The teen will use existing login credentials to gain account access. The app isn’t just for teens; parents can also use it to review their teens account activity, send money, and more.

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