Give your child or grandchild a powerful head start in building long term wealth with a Minor Trust Account in Australia.
As a parent, grandparent, family member, or friend, you can open a trusted CMC Invest Minor Trust Account offering full control as trustee, complete flexibility, and access to over 45,000 global shares and ETFs.
You’re the trustee managing the account on their behalf, securely and transparently, through Australia’s #1 Platform*.
Go beyond simple savings or micro-investing apps. Access thousands of investment options, across the ASX and 15 international markets.
Turn investing into a learning experience. Show them how markets work, what builds wealth, and the power of long-term investing.
Stay in control of every decision, with flexible deposits, transparent fees, and access to global investment opportunities.
*Winner of Canstar's Broker of the Year award for Share Trading Platforms 2011-2025.
Unlike “set and forget” apps, CMC Invest empowers you to invest intentionally, using professional-grade tools to grow wealth for the next generation with confidence. It’s the same powerful platform trusted by Australian investors, available through a Minor Trust Account to invest for your kids.
Access Australian shares and ETFs, plus opportunities across 15 international markets, including the US, UK, Japan, and Hong Kong.
Tap into research from Wall Street’s top minds with TipRanks and use CMC Invest’s advanced market insights to make informed, long-term investment choices, all from one trusted platform.
Because building their future deserves better investing decisions.
1. Open a Minor Trust Account in your name as trustee.
2. Fund the account with any amount you choose.
3. Invest in shares or ETFs, locally or globally.
4. Transfer ownership easily when your child turns 18.
It’s a straightforward way to invest in your child’s future, and teach them how wealth really grows.
We keep our pricing simple, so you can focus on the markets instead of navigating pricing tables. Start investing with free brokerage on all US, UK, Canadian and Japanese-listed stocks and ETFs*.
That means, you can buy shares in Apple, Tesla, Toyota or Tesco - all for $0 brokerage*.
CMC Invest | CommSec | NabTrade | Stake | Westpac | |
|---|---|---|---|---|---|
ASX Brokerage (on <$1,000 trade) | $0# | $5.00 | $9.95 | $3.00 | $4.95 |
US brokerage | $0* | USD $5.00* | $14.95* | USD $3.00* | USD $19.95* |
Inactivity/holding fees | $0 | $0 | $0 | $0 | USD $63.50 per year |
International markets available | 15 | 13 | 4 | 1 | 1 |
Trade the US market before open and after close^ | ✓ | ✓ | ✕ | ✓ | ✕ |
Data correct as of May 2025. No representation is made for the accuracy or completeness of competitor information. For up-to-date competitor pricing and product offerings, visit their website. See our FSG for fees and charges.
#First buy per security, per day. Excludes margin loan settled trades. *FX spreads apply to international orders. ^There may be higher volatility and lower liquidity during extended trading hours.
This isn’t about pocket money or quick wins. It’s about passing on confidence, knowledge, and opportunity by investing for your kids with access to the same markets trusted by investors worldwide.
Explore 75+ top US companies and ETFs, from the innovators shaping the future like Tesla, PayPal, and Netflix, to established giants like Disney, Visa, and Apple.
Winner 2011-2025
Broker of the Year
Canstar
Winner 2024
Best for Portfolio Insights
WeMoney
Winner 2021-2023
Best Share Trading Platform
Finder
Winner 2024
Online Share Trading - Casual US Investor
Mozo
Generally, the ASX minimum parcel is AU$500 for your first trade in a security. After that, you can invest smaller amounts in the same instrument at your own pace through your CMC Invest Minor Trust Account.
In Australia, children under 18 can’t directly own shares, but parents or guardians can invest for them through a trust account for minors or kids share trading account.
As trustee, you open and manage the account in your name for your child’s benefit. When they reach 18, ownership can be transferred into their own CMC Invest account.
It’s simple to open a share trading account for a minor with CMC Invest. Apply online as the trustee, add your child’s details as the beneficiary, fund your account, and start investing for your kids in Australian or global shares and ETFs. You’ll need to provide proof of the minor’s identity during the application process.
A Minor Trust Account must be opened by an adult, who can be a parent, guardian, grandparent or other family member over 18 years of age. A child cannot create an account on their own, nor can they access or trade through the account themselves.
A Minor Trust Account (also known as a minor investing account, kids share trading account or junior share trading account) lets you invest in shares or ETFs on behalf of your child.
You act as the trustee, managing the account until your child turns 18. The child is the beneficiary, meaning the investments ultimately belong to them, but you control trading decisions during the trust period.
CMC Invest offers transparent, low-cost brokerage, including $0 brokerage on US, UK, Canadian, and Japanese-listed shares and ETFs.* There are no hidden fees or account management charges.
*FX spreads apply
While the account is designated in the child’s name, the trustee (adult) remains the legal owner of the investments until the child turns 18. The child is the beneficiary, meaning they are entitled to the investments, but the trustee manages and controls all activity until the transfer occurs.
When the beneficiary turns 18, ownership of the account’s investments can be transferred into their own individual CMC Invest account. This transfer is straightforward but may have tax implications.
Any income (such as dividends) earned through the Minor Trust Account may have tax implications for the trustee. As each individual’s circumstances differ, CMC recommends seeking professional advice from a tax adviser or accountant before opening the account or transferring assets
A CHESS-sponsored structure means you are the legal and beneficial owner of your shares - not the broker or a custodian. CMC Invest is CHESS-sponsored, meaning every ASX listed share you purchase is securely recorded in your own Holder Identification Number (HIN) with the ASX. This ensures direct ownership, full transparency, and protection of your investments.
International securities are not HIN-sponsored and are held by CMC as custodian.
Investing for kids helps them learn about long-term growth, compounding returns, and money management. A kids share trading account builds real assets and teaches valuable habits early, giving them a head start on their financial future.
Shares let you invest directly in individual companies, while ETFs can provide instant diversification. With CMC Invest, you can combine both to build a balanced, long-term portfolio for your child’s future.
Unlike micro-investing apps, a CMC Invest Minor Trust Account gives minors access to the same powerful features and wide range of products as regular CMC Invest clients including ASX-listed shares, ETFs, and international markets. You’re investing directly in real assets, not pooled or fractional holdings, with full control over every decision.
Yes. You can involve your child in the process, tracking performance, discussing companies, and teaching how markets create value. It’s an engaging way to teach kids investing early.
If you want to give a child, grandchild, or family member a head start in building wealth while maintaining control until they’re 18, a CMC Minor Trust Account may be an excellent choice.
You can sell investments and withdraw funds anytime as the trustee. Before closing or transferring, consider seeking tax or financial advice to understand any implications.
