You note "under current tax rules, a parent can immediately establish an Education IRA for a child. A parent also can save on a child's behalf in various state-sponsored college tuition plans."I'd rather see these options for educational savings made even more attractive, than making it possible for parents to start retirement funds for kids. We're paying most of our kids' undergraduate college -- after that, they are on their own. Shouldn't they be responsible for their own retirement planning and funding? It *is* a good thing to start investing early -- but maybe it would be better for the child if you taught him/her how to use money sensibly and how to save/invest for him/herself. As soon as a child does have earned income, a Roth IRA can be established -- does it really need to be sooner than that?Parents who want to invest while their children are infants and toddlers would probably be better off to invest in college savings for the children and in the parents' *own* retirement plans.
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