re: What would you do with your kid’s savings account?

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At one point my kids were earning 8-9% on I Bonds.

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I had some money sat aside for my kids doing this as well, but that time has come and gone.

I now have it in UTMA for one kid still under 18.

You could put it in there and earn around 5% on a money market account alone, put in USFR and earn about 5.35 currently, or buy short term T-bills or CDs with it and earn over 5%.