Kid IRA® Comparison

To better compare the Kid IRA® and other investments, we have prepared this chart to showcase their similarities and differences.

Features		529(b)	401(k)	IRA	Roth IRA	Whole Life Ins.	Savings Acct.	Savings Bonds
Tax Benefits
Tax-advantaged deposit
Tax-advantaged withdrawal
Account-specific
Flexible Spending
In child's name?
Can be used as child's retirement account
Investing
Can be used to invest in stock market?
Can be used to invest in real estate?
Can be used to invest in the child's business ventures?
Other Educational	Kid IRA®	529(b)	401(k)	IRA	Roth IRA	Whole Life Ins.	Savings Acct.	Savings Bonds
Can be used to pay for day care expenses?
Can be used to pay for other school expenses (supplies, books, materials, clothes, uniforms)
Can be used to pay for private school tuition (elementary,high school, etc.)?
College Expenses
Designed to pay for college tuition fees?
Can be used to pay for other college-related expenses (food, rent, utilities, books, travel?
Investment Values
$5000 per year @ 12% for 10 years*	$87,744	$61,421	$65,808	$65,808	$61,421	$61,421	$28,743	$33,017
Kid IRA® Difference		$26,323	$21,936	$21,936	$26,323	$26,323	$59,001	$54,727
more info?

* Assumes an annual compound interest rate of 12% with a current tax rate of 30% and a post-retirement tax rate of 25%

Testimonials

Back to school shopping at Office Depot was great! I ordered everything online and picked it up in the store the same day. And I added to my kids' college fund too!
— Alexis N, Mother of 3, New Mexico
I'm so excited I get to start planning for my son's finances now. By the time he's in college, he'll have a nice chunk of change to help him with tuition.
— Brian S, Father of a 2 year old boy, Maryland
My daughter is learning work ethic, investing, and the value of a dollar. I'm so proud!
— Elaine G, Mother of a 14 year old girl, New York
It's so easy recommending stores to family and friends. I like it when I can send them a coupon to help them save money too!
— Julia H, California
Working at Kid IRA® has allowed me to start earning and saving early. I can't wait to be a millionaire!
— Ricky L, California
There's never been an easier way to give to my nieces and nephews. And it doesn't cost me anything extra!
— Ronald U, Florida
The best part is seeing how these kids are learning to manage their money. I'm so glad I can say that I'm playing a role in their lives.
— Bella K, Arizona