Vault
Real Brokerage. Real Shares.

Their firstportfolio.Not a simulation.

Fractional shares, dividend tracking, and portfolio analytics — wrapped in parental guardrails. Built for teenagers who are ready for the real thing.

🔒SIPC Protected
👨‍👧Parental Controls
✦$0 Commissions
Avg. Teen Portfolio
$1247.83
+18.4%
12-month avg.
Step 1 of 3 — The Investor33%

How old is your investor?

Custodial accounts are available for ages 13–17.

15
years old
1314151617
3 years until full independence
36 months of compounding ahead
Scroll
AAPL$189.43+1.2%
NVDA$875.21+3.8%
TSLA$248.60-0.6%
MSFT$412.87+0.9%
SPOT$348.12+5.4%
NKE$93.47+1.1%
RBLX$42.88+2.7%
ENPH$118.33-1.3%
TTWO$163.54+0.5%
SPY$502.18+0.8%
AAPL$189.43+1.2%
NVDA$875.21+3.8%
TSLA$248.60-0.6%
MSFT$412.87+0.9%
SPOT$348.12+5.4%
NKE$93.47+1.1%
RBLX$42.88+2.7%
ENPH$118.33-1.3%
TTWO$163.54+0.5%
SPY$502.18+0.8%
$$$
The Cost of Waiting

Watch the gap
widen.

$500 invested at age 16. Three paths. Scroll to see what happens when compounding has decades to work — and what happens when it doesn't.

Low
3.5% APY
Medium
7.2% avg.
Vault
10.4% avg.
Milestone
Savings
Index Fund
Vault Custodial
16
$---
$---
$---
18
$---
+7%
$---
+22%
$---
+43%
21
$---
+18%
$---
+58%
$---
+109%
25
$---
+31%
$---
+113%
$---
+222%
30
$---
+49%
$---
+199%
$---
+469%
Best
At age 30, the gap between savings and Vault:
$2,104 more
from the same $500 starting investment
Doing nothing costs
$210 / year
in foregone returns

See exactly how to open your child's first account.

Download the Custodial Account Starter Guide
The Dashboard

The Bloomberg terminal,
finally for teenagers.

Real account data. Companies they recognize. Earnings summaries in plain English. And every trade goes through the parental approval queue.

Portfolio Value
$1,247.83
▲ +$94.20today
Live
3M6M9M1Y
AAPL
35%
NVDA
30%
SPOT
25%
SPY
10%
Parent Queue
Approval Center
1
Buy 0.5 sharesNVDA
$437.60· 2m ago
Sell 1 shareTSLA
$248.60· 1h ago
Done
Buy 2 sharesAAPL
$378.86· 3h ago
Done
Watchlist
Tracking
AA
AAPL+1.2%
NV
NVDA+3.8%
SP
SPOT+5.4%
NK
NKE+1.1%
Earnings Brief
In Plain English
AAPL▲ Beat

iPhone sales up 8%. Services hit record $23B. CEO says AI features are "just getting started."

NVDA▲ Beat

Data center revenue tripled. Gaming chips sold out. Stock up 6% after hours.

Dividends
Reinvested
$12.47
earned this quarter
AAPL
$4.20Feb 15
MSFT
$3.84Mar 10
SPY
$4.43Mar 22
Auto-reinvest
ON
Real Families

The door was open.
They walked in.

★★★★★
Parent
"My daughter picked Spotify the week before their earnings beat. She's 15. I've been investing for 20 years and I didn't catch it."
Emma's 1-year return
+31.2%
Portrait of Michael Chen
Michael Chen
Father of Emma, 15 · San Francisco, CA
★★★★★
Teen Investor
"I thought I was just going to hold index funds. Then I added NVDA because I use it for my game dev projects. Best decision I've made."
Portfolio value
$2,847
Portrait of Jordan Williams
Jordan Williams
16-year-old investor · Austin, TX
★★★★★
Grandparent
"I set up custodial accounts for all three grandchildren at Christmas. The parental controls gave my son-in-law peace of mind. Now we talk stocks at dinner."
Total gifted across 3 accounts
$8,400
Portrait of Patricia Harrington
Patricia Harrington
Grandmother, funding 3 accounts · Greenwich, CT
★★★★★
Parent
"The earnings summaries written in plain language — that's what got him. He actually reads them. At 14. I've never been more proud."
Marcus's 8-month return
+22.8%
Portrait of David & Sarah Park
David & Sarah Park
Parents of Marcus, 14 · Chicago, IL
47,000+
Active teen investors
$142M
Assets under management
4.9★
App Store rating
94%
Parent satisfaction
Free Resources

Everything you need
to start today.

The Custodial Account Starter Guide — plus three more tools that turn "I'll look into it later" into "we opened the account tonight."

V
Custodial Account Starter Guide
18 pages · PDF · Free
Account typesTax guideFirst picks

Download Free Guide

No credit card. No commitment. Just the guide.

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📊

Compound Interest Calculator

Interactive Tool

Enter your child's age, starting amount, and monthly contribution. See the number that changes everything.

📋

"First Portfolio" Worksheet

PDF Download

A fillable PDF that walks teens through picking their first 4 holdings — with actual research prompts.

📑

Tax Implications One-Pager

Reference Guide

UTMA vs. Roth IRA custodial. Kiddie tax explained. Capital gains for minors. One page, no jargon.

Every month you wait costs real money.
A 15-year-old who starts today has 3 more years of compounding than one who waits until 18. That gap is worth $847 on a $500 investment.