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Greetings, Laurie, and welcome. You asked:

<<Do you know any mutual funds that will permit opening a Roth IRA for my 13-year-old nephew in his name? My own fund (one of Safeco's) requires IRA owners to be 18. Even a list of 800 numbers I could call for some leading mutual funds would be a help.>>

I assume your nephew has sufficient earned compensation from a job to support a contribution to a Roth IRA opened for his benefit. If not, then he is ineligible for one.

I understand -- but do not know for a fact -- that Vanguard will permit a minor with earned income to have an IRA. Unfortunately, for valid reasons most fund families will not do so. An IRA is a contract, and minors cannot enter into one that's enforceable. Therefore, even though there's no prohibition against it, as you've discovered opening an IRA for a minor can be quite difficult. All I can suggest is you keep on calling until you find an IRA custodian willing to do so.

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