UNest: Invest & Save for Kids

UNest Holdings, Inc.

In-app purchases

About this app

UNest is a kids investing app that helps parents open a UTMA custodial account to invest, save, and gift money for their children’s future.

Invest for kids with recurring contributions, track performance, and build long-term wealth with a simple, tax-advantaged custodial account. Friends and family can also gift money directly into your child’s account, making it easy to grow their savings faster.

Imagine a brighter future for your kids — then take the first step with UNest. Make bi-weekly or monthly contributions, invite loved ones to gift money, and earn rewards when you shop with brands you love.

UNest makes it easy to invest for your kids, save for your children’s future, and build a strong financial foundation. With a UTMA custodial account, smart investing tools, and flexible options, you can manage your family finances effortlessly while allowing others to contribute through gifting.

A UTMA custodial account is the foundation of every UNest account.
This kids investing account allows the money you invest and gift for your children to grow over time, with potential tax advantages depending on your situation. Funds can be withdrawn for child-related expenses without penalty.*

Invest for your kids with confidence and give friends and family an easy way to gift contributions for birthdays, holidays, and special occasions.

UNEST BENEFITS:
● INVEST FOR YOUR KIDS

Make recurring contributions, track your investment growth, and choose from simple investment options designed for long-term investing for kids.

● GIFTING

Friends and family can gift money directly into your child’s UTMA custodial account for birthdays, holidays, and milestones, helping grow their investments faster.

● REWARDS

Earn rewards and discounts from brands you love and add them directly to your child’s custodial account.

● SECURE

Invest safely with industry-leading, bank-level encryption that helps protect your financial data.

● FLEXIBLE

Use funds from your custodial account for child-related expenses like education, activities, or a future down payment. Your UTMA account may offer tax advantages.

● SUBSCRIPTIONS

New UNest members who join on or after November 20, 2025 will be billed under our updated pricing model of $2 per month plus a 0.25 percent annual fee on invested assets. Other fees may apply.
Existing members who subscribed before this date will continue under the subscription plan they originally selected unless they choose to change plans.

Full pricing details are available at https://www.unest.co/pricing

Download UNest and start investing for your kids today. Invite friends and family to gift contributions and build your child’s financial future faster. If you have any questions, contact [e-mail]

Funds may be subject to capital gains tax

DISCLOSURES

INVESTING INVOLVES RISK. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

Investment advisory services are offered through UNest Advisers, LLC, an SEC-registered investment adviser. Brokerage services are provided to clients of UNest Advisers by UNest Securities, LLC, an SEC-registered broker-dealer and member of FINRA (https://finra.org) and SIPC (https://sipc.org).

UNest charges a subscription fee for the services provided as part of UNest Membership, including personal use of the UNest app. UNest Holdings, Inc. charges this fee; however, it also covers any advisory services UNest Advisers, LLC provides. You can manage your subscription via the Google Play Store. Recurring billing, cancel anytime.

Please refer to the Program Description for more details at https://unest.co/iaa

Disclosures are available at https://unest.co/legal

For more details refer to our Terms at https://unest.co/terms

Privacy Policy available at https://unest.co/privacypolicy

Ratings and reviews

Been with them for 8 months. They've invested 3 months but collected their fee every month. They take weeks to respond with solutions that don't happen. Garbage company and we're going elsewhere. Positive reviews have to be fake. Every month it shows a pending withdrawal AND I get a trade confirmation email. Every month, no money is invested. Also when you click the emails to see statements and trade confirmation it takes you to the app with none of this information.

I wish we could navigate the app and see how we like it before jumping into creating an account and giving personal info. The way it's set up atm makes you feel trapped/locked in......you have to continue w the account set up before being able to do anything. Also, I ended up having to close my account due to the minimum monthly amount being outside my budget. If we could adjust that to any amount then I'd reinstall. I also wish we could earn points/money somehow (the way other apps do)

I really, really love and appreciate this app.... I set up an account with the intention of accumulating savings for my daughter... Funds are pretty tight. literally paycheck to paycheck- so it's not easy to put back money .... But the beauty of this app is that it autodrafts a little bit from all of my deposits (on a basis I prescheduled).. I have already accumulated a couple hundred dollars in a few months time, effortlessly. By the time she is able to access it, it's gonna be racks on racks!!

What’s new

Improve user experience, providing better information