EarlyBird

EarlyBird

EarlyBird

EarlyBird

Whether you're a beginner or an expert in investing in the stock market, EarlyBird simplifies the process for parents to kickstart their child's financial future by opening a custodial investment account, while allowing family and friends to remain connected to the children they love by gifting meaningful and sustainable financial contributions for all life's milestones.

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Highlights

-14.93%

Asset Class Return30d

#40 Rank

In Robo Advisor30d

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Invest from

$1

Overview

Backed by simple, time-tested investment strategies, EarlyBird works with the sharpest minds in finance to craft portfolios based on the level of risk you are willing to tolerate. EarlyBird empowers families and children by providing tools that introduce investing, integrate financial knowledge into decision-making, and prepare children for account ownership at age 18. As their accounts transition to an adult brokerage, EarlyBird will remain their trusted partner.

Things to Know

  • You make money on

    Value + Dividends

  • Fees

    $1

  • Min Investment

    $1

  • Payout frequency

    Quarterly

  • Term of investment

    60+ months

  • Target Return

    Varied

  • Liquidity

    Moderate

  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • Financial literacy: introduce investing, integrate financial knowledge into decision-making, and prepare children for account ownership at age 18.

  • Financial freedom: Through the Uniform Gift Act for Minors Accounts (UGMA), family and friends can make gifts using EarlyBird’s investing app. At 18, the beneficiaries can use the funds for things like starting their first business, paying for college, or traveling the world.

  • Gifting Investments: give a meaningful investment and watch your gift grow, while giving your child a head start.

How you make money

EarlyBird is a Registered Investment Advisor (RIA) and partners with wealth management and financial planning experts to curate their investment offering. EarlyBird offers parents a fixed portfolio model, where they recommend expertly crafted ETF-based portfolios made up of both securities and bonds, based on the age of the child, your investment goals, time horizon, risk tolerance, and other factors. There are 5 fixed portfolios that a user can choose from ranging from conservative (100% bond based ETF's) to aggressive (100% equity based ETF's). 

How EarlyBird makes money

Currently, EarlyBird generates revenue by way of its $1 per month subscription fee and $2 per gift processing fee. 

Is it safe?

EarlyBird is committed to providing you and your family with the highest levels of security. Investment accounts are held with trusted partner and custodian Apex Clearing Corporation, a third-party SEC registered broker-dealer and member of FINRA and Securities Investor Protection Corporation (SIPC). This means the investments in your account are protected up to $500,000 total.

They use the highest standards to ensure your information and data is safe. They use multi-factor authentication, automatic logouts, and ID verification help prevent unauthorized access.  Accounts are protected with 256-bit SSL encryption.

  • Established

    2020

  • Country Available

    US Only

  • Assets Managed

    n/a

How You’re Taxed

Capital Gains

Capital Gains

As with any stock realized stock gains, investors are subject to capital gains tax. If gains are realized within one year, you are taxed at your income tax rate. If gains are realized after one year, you are subject to a long-term capital gains tax of 0% to 20%. A common service that some robo-advisors offer through their systems is automatic tax-loss harvesting. Tax-loss harvesting is a deliberate strategy whereby any loss from the sale of a security in a taxable account is used to offset a capital gain or taxable income, thereby reducing the tax paid.

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