Your Gift Card

Claim your gift.
Start Investing.

Your card carries the initial investment. Today's date carries the other half of the gift. Claim both today.
New FutureMoney users only. Not redeemable for cash. Withdrawal restrictions apply.
Trusted by 35k+ families
How Claiming Works

Three steps, about five minutes.

01
Claim the card
Hold your phone to the card or open futuremoney.co/startdate. You verify who you are, the way every brokerage has to ask.
02
Pick a goal
College, a first car, retirement, rainy-day fund. Select the one you would name out loud. Your gift goes in behind it, and you can change the goal later.
03
Set the pace
Add a recurring contribution. If you set one up, you can pause or stop it from the app in two taps.

Where Your Gift Can Go

Pick the account that fits the goal.

Invest in your children like the future depends on it. 
Because it does. FutureMoney automates the accounts that build generational wealth in the most tax-advantaged way in the US market.
FutureMoney Exclusive

Junior Roth IRA™

Begin investing for a child early, with a pathway for eligible funds to move towards retirement later.
Learn More
FutureMoney Exclusive

Harvest UTMA/UGMA

Invest assets that belong to your child and automate the step-up basis to leverage use of their tax position.
Learn More
FutureMoney Exclusive

Trump Sidecar

Build a separate reserve designed to help cover future taxes, so more of their Trump Account can remain invested.
Learn More
5.02% High Yield Account

Reserve

Cash account designed to earn more on money you want to keep accessible.
Learn More

Traditional IRA

Protect your own retirement while building theirs.
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General Investing

Build flexible wealth without locking the money into one specific purpose.
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Roth IRA

Invest after-tax money today so eligible withdrawals can potentially be taken tax-free in retirement.
Learn More

529 Plan

Invest for future education costs while benefiting from the tax advantages.
Learn More

Custodial Roth IRA

Turn your child’s first earnings into decades of potential tax-free growth.
Learn More
Everything in one place

What you get with FutureMoney

More than investing. FutureMoney brings the accounts, tools, and automation families need to build wealth together.
Shared Goals
Save and invest toward family goals together.
Gifting
Make it easy for family and friends to contribute.
Family account breadth
Accounts for children, parents, retirement, education, and more.
Harvest UTMA/UGMA
Invest for your child with a flexible custodial account.
Reserve
Keep accessible cash earning a competitive yield.
Automated investing
Set your strategy and keep investing automatically.
Start with just $5
Begin investing without a large upfront commitment.

Safety and Security you and invest in.

256-bit encryption
Family and friends can contribute directly to what matters most with FutureMoney gifts. Gift an investment contribution today!
SEC Registered
The SEC requires us to provide investment advice that is in your best interest.
SIPC Protected
As a member of FINRA & SIPC, your account is protected up to $500,000.
Biometric login
2 Factor Authentication and support to keep access of your funds at all times.
Plaid secured
The same thing Venmo uses.
Human advisors
Real people with real licenses.
FAQs

Your Questions, Answered

Who can claim this card?

New FutureMoney users. The offer is non-transferable and subject to eligibility, so it cannot be passed on or claimed against an account you already hold.

Can I take the gift as cash?

No. The card has monetary value but cannot be redeemed for cash, and withdrawal restrictions apply. It goes into an investment or cash account you open, behind a goal you choose, with a vesting period of 36 months.

Do I have to add my own money?

You decide. Recurring contributions are optional and nothing starts unless you set it up. If you do set one up, you can pause or stop it in the app at any time.

What happens right after I claim?

Your account opens and the gift lands behind the goal you picked. You see the goal, the timeline and the target in one place, and you can change any of the three later.

Is my money safe with FutureMoney?

Investments are eligible for protection of up to $500,000, including $250,000 for cash, under SIPC coverage in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses. 529 plan accounts are not covered by SIPC.

Offer Terms

The fine print, in full.

Promotional offer subject to eligibility and terms. This card has monetary value and cannot be redeemed for cash. Offer valid for new FutureMoney users only; non-transferable. Subject to withdrawal restrictions. Full terms at futuremoney.co/startdate.

Your start date is today.

Claim your gift, pick one goal, and decide the pace. You choose the goal, nothing recurring starts unless you set it up, and you can stop it any time.