Can I open an account for my children?

For now, you can open an account only in your own name. We're working on adding the ability to open an account in your child's name.

In the meantime, you can invest for your children via the multiple portfolios option. You can open a separate portfolio for each child and give it your child's name. The portfolio is in your name, but completely separate from your own investments.

Sharing the portfolio with your child

The portfolio stays in your name, but you can still involve your child. If they have an itsme account, they can download the Curvo app and sign up. They won't be able to open their own portfolio, but you can share the portfolio you built for them to give them read-only access.

It's a nice way to get them involved early. They can follow how their investments grow and see compounding at work for themselves. They can also discover what's behind the portfolio in the app, like what a stock or a bond is.

Investing in your own name or your child's name

Anyone who invests for a child runs into the same choice: ownership or control. Both directions cost you something, so it helps to know what you give up either way.

An account in your child's name

The advantage is clarity. What's in your child's name is legally theirs, and it doesn't fall into your estate when you pass away.

What you give up is control. On their 18th birthday your child gets full access and you disappear from the account. Not every 18-year-old is ready for an amount that took eighteen years to build, and saying so is realism rather than distrust. Before then you have less freedom too, because large withdrawals from a minor's account can need the approval of a justice of the peace.

A portfolio in your own name

Here you keep the flexibility. You decide when the money is used and what for: studies, a first rental deposit, a contribution towards a home, or nothing at all until your child turns 25 and stands more firmly on their own feet. You also decide when to hand it over.

The money does stay legally yours, so it falls into your estate when you pass away unless you plan for it. For young parents that chance is statistically small, and it's worth weighing against the downsides of a minor's account, which are certain.

Age tips the balance. A 35-year-old parent usually gains more from control and flexibility, while an 85-year-old great-grandparent has more reason to think about estate planning. Middle grounds exist, such as a will or a registered gift, but they belong in a conversation with a notary or an independent financial planner rather than in a quick product choice.

Be clear about what the money is for

Whichever name the account is in, agree on whose money it is legally, what it's meant for and when it will be handed over. That matters most when grandparents want to contribute, since a portfolio in your name is often the simplest route for them. With family and money, being explicit isn't a lack of trust. It's how you protect it.

Updated on: 12/08/2026