Hinwang
2021-03-11
Yes
Your kids want to buy Roblox stock? Heed these warnings first<blockquote>您的孩子想购买Roblox股票？首先注意这些警告</blockquote>
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{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":321240222,"tweetId":"321240222","gmtCreate":1615443709366,"gmtModify":1703489125621,"author":{"id":3573128307564933,"idStr":"3573128307564933","authorId":3573128307564933,"authorIdStr":"3573128307564933","name":"Hinwang","avatar":"https://static.tigerbbs.com/9e2efb27a5cbf6671d5b742ce1464838","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":0,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body><p>Yes</p></body></html>","htmlText":"<html><head></head><body><p>Yes</p></body></html>","text":"Yes","highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/321240222","repostId":1166701446,"repostType":4,"repost":{"id":"1166701446","kind":"news","pubTimestamp":1615435026,"share":"https://www.laohu8.com/m/news/1166701446?lang=zh_CN&edition=full","pubTime":"2021-03-11 11:57","market":"us","language":"en","title":"Your kids want to buy Roblox stock? Heed these warnings first<blockquote>您的孩子想购买Roblox股票？首先注意这些警告</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1166701446","media":"marketwatch","summary":"More than half of Roblox’s 32.6 million daily users are under age 13.A year of pandemic living for m","content":"<p>More than half of Roblox’s 32.6 million daily users are under age 13.A year of pandemic living for many preteen kids has meant remote schooling, maybe no summer camp — and a ton of Roblox.</p><p><blockquote>Roblox的3260万日用户中，超过一半年龄在13岁以下。对于许多青春期前的孩子来说，在疫情生活的一年意味着远程教育，也许没有夏令营——还有大量的机器人。</blockquote></p><p>Traffic on the tween-centric gaming platform hassoaredsince the pandemic tied much of daily life to screens and now more than half of Roblox’s approximately 32.6 million daily users across 180 countries areyounger than age 13.</p><p><blockquote>自从疫情将大部分日常生活与屏幕联系在一起以来，这个以青少年为中心的游戏平台的流量猛增，现在Roblox在180个国家的约3260万每日用户中，有一半以上年龄在13岁以下。</blockquote></p><p>Roblox began trading on the New York Stock Exchange on Wednesday. Shares obtained a$45 reference priceon Tuesday. By mid-day Wednesday, RobloxRBLX,+54.44%shares were trading above $73.</p><p><blockquote>Roblox周三开始在纽约证券交易所交易。周二，该股的参考价为45美元。截至周三中午，RobloxRBLX,+54.44%股价交易价格高于73美元。</blockquote></p><p>So maybe now your kid wants to play Roblox on the stock market too.</p><p><blockquote>所以也许现在你的孩子也想在股票市场上玩Roblox。</blockquote></p><p>At a time when more people are getting into the stock market —for better or for worse— parents might be more inclined to say ‘yes’ to the idea.</p><p><blockquote>在越来越多的人进入股市的时候——不管是好是坏——父母可能更倾向于对这个想法说“是”。</blockquote></p><p>Those parents could buy a share in their own brokerage account. Or, they could use a custodial trading account to do it. Those accounts enable parents to buy stocks, bonds, mutual funds and other assets on their child’s behalf. But beware of the tax consequences that lurk — not to mention the weird family dynamics and resentments that can bubble up if investments go wrong.</p><p><blockquote>这些父母可以在自己的经纪账户中购买股票。或者，他们可以使用托管交易账户来做到这一点。这些账户使父母能够代表孩子购买股票、债券、共同基金和其他资产。但要小心潜在的税收后果——更不用说如果投资出现问题，可能会出现奇怪的家庭动态和怨恨。</blockquote></p><p>Joshua Mungavin, principal and wealth manager at Evensky & Katz, is not a fan of a custodial account devoted to stock picks, especially when it’s a new stockfreshly hitting public markets.“This is not an account to bet in, this is an account to take care of the child. … I don’t think it’s a good idea for financial purposes or education purposes,” he said.</p><p><blockquote>Evensky&Katz的负责人兼财富经理约书亚·蒙加文(Joshua Mungavin)并不喜欢专门用于选股的托管账户，尤其是当它是一只刚刚上市的新股时。“这不是一个可以下注的账户，这是一个可以照顾孩子的账户。……我认为出于财务目的或教育目的，这不是一个好主意，”他说。</blockquote></p><p>Custodial accounts are not 529 accounts</p><p><blockquote>托管账户不是529账户</blockquote></p><p>A529 accountcomes with special tax advantages geared towards schooling. Distributions are not subject to federal income tax and state income tax (in most states) when used for specified educational purposes.</p><p><blockquote>A529账户具有针对学校教育的特殊税收优惠。当分配用于特定的教育目的时，无需缴纳联邦所得税和州所得税（在大多数州）。</blockquote></p><p>Custodial accounts do not have those tax advantages on school-related use. “If your primary goal is to invest for education, 529 plans offer the greatest tax advantages, control and flexibility. Custodial accounts can be good options to transfer wealth for just about anything else,”wroteRichard Polimeni, director of Bank of America’s Education Savings Programs.</p><p><blockquote>托管账户在与学校相关的用途上没有这些税收优惠。“如果你的主要目标是投资教育，529计划提供了最大的税收优惠、控制和灵活性。托管账户可以成为转移财富用于其他任何事情的好选择，”美国银行教育储蓄项目总监理查德·波利梅尼(Terichard Polimeni)写道。</blockquote></p><p>Whose account is it anyway?</p><p><blockquote>到底是谁的账户？</blockquote></p><p>In a custodial account, parents, grandparents or other adults can make the investment decisions in the account. Still, the account is considered to be an asset owned by the child, according toFidelity Investments.</p><p><blockquote>在托管账户中，父母、祖父母或其他成年人可以做出账户中的投资决策。尽管如此，富达投资公司表示，该账户仍被视为孩子拥有的资产。</blockquote></p><p>Once the child formally becomes an adult in the eyes of the law, the account goes under their control. The age varies from 18 to 25, depending on the state, Fidelity Investments said.</p><p><blockquote>从法律的角度来看，一旦孩子正式成为成年人，账户就归他们控制。富达投资表示，年龄从18岁到25岁不等，具体取决于州。</blockquote></p><p>It’s the child’s money, even though the parent is managing it. If the money vanishes in a losing bet or poor management, Mungavin said children could hold it against their parents.</p><p><blockquote>这是孩子的钱，尽管父母在管理它。蒙加文说，如果钱在赌博失败或管理不善中消失了，孩子们可以拿它来对付他们的父母。</blockquote></p><p>Whether there is profit or loss, the experience will help shape a child’s views on investing, he added. A jackpot stock pick could teach the lesson on the merits of potentially gambling in the market, Mungavin said. “If it goes poorly, the child sees the stock market with bit of skepticism rather than seeing the individual stock risk.”</p><p><blockquote>他补充说，无论盈利还是亏损，这种经历都将有助于塑造孩子对投资的看法。蒙加文说，头奖选股可以让我们了解市场上潜在赌博的优点。“如果表现不佳，孩子会对股市持怀疑态度，而不是看到个股风险。”</blockquote></p><p>Another word of caution: The presence of a custodial account can weigh heavily into the financial aid decisions are college makes, because the account is treated as the child’s asset. (The Federal Application for Student Aid, the FAFSA, says20% of a child’s assetis available for college, but it’s up to5.64%for an asset in the parent’s name, including a 529 account.)</p><p><blockquote>另一个警告是：托管账户的存在会严重影响大学做出的经济援助决定，因为该账户被视为孩子的资产。（联邦学生援助申请FAFSA称，孩子资产的20%可用于上大学，但父母名下的资产（包括529账户）最高可达5.64%。）</blockquote></p><p>But then again, if Roblox shares surge, maybe selling the stock to defray college costs is a way parents can get some satisfaction from all that time their kids were playing on the platform.</p><p><blockquote>但话又说回来，如果Roblox股价飙升，也许出售股票来支付大学费用是父母可以从孩子在该平台上玩耍的所有时间中获得一些满足感的一种方式。</blockquote></p><p>What about taxes?</p><p><blockquote>税收呢？</blockquote></p><p>While custodial accounts do not have the education-geared tax advantages, they do bring some tax breaks. Still, the breaks need to be carefully considered, Mungavin cautioned.</p><p><blockquote>虽然托管账户不具备面向教育的税收优势，但它们确实带来了一些税收减免。蒙加文警告说，尽管如此，休息仍需要仔细考虑。</blockquote></p><p>For a stock sale from a custodial account that happens at least one year after purchase, the first $2,200 of profit are not taxed, according to Edward Zollars, a Phoenix, Ariz.-based accountant at Thomas, Zollars & Lynch.</p><p><blockquote>亚利桑那州凤凰城Thomas，Zollars&Lynch会计师爱德华·佐拉斯(Edward Zollars)表示，对于从托管账户出售股票至少一年后发生的股票，前2,200美元的利润无需纳税。</blockquote></p><p>Beyond that point, the rest of the money is taxed at the parent’s marginal income tax rate, Zollars said.</p><p><blockquote>佐拉斯说，超过这一点，其余的钱将按母公司的边际所得税率征税。</blockquote></p><p>If an investment turns into a losing bet, the Internal Revenue Service will let taxpayersoffset their gains with those losses.If there are more losses than gains, the IRS allows an annual capital loss deduction up to $3,000.</p><p><blockquote>如果一项投资变成了一场失败的赌注，美国国税局将让纳税人用这些损失来抵消他们的收益。如果损失多于收益，IRS允许每年最多扣除3,000美元的资本损失。</blockquote></p><p>That’s a tax buffer for the risks, but Mungavin and Zollars noted a kid might not have other income where they can apply the loss deduction.</p><p><blockquote>这是针对风险的税收缓冲，但蒙加文和佐拉斯指出，孩子可能没有其他收入可以申请损失扣除。</blockquote></p><p>If the brokerage account is owned by the parent, they said at least they’ll have the income and they can put the loss deduction to use.</p><p><blockquote>他们说，如果经纪账户归母公司所有，至少他们会有收入，并且可以使用损失扣除。</blockquote></p><p>“There’s much less downside protection give on the custodial account,” Mungavin said.</p><p><blockquote>“托管账户的下行保护要少得多，”蒙加文说。</blockquote></p><p></p>","source":"market_watch","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Your kids want to buy Roblox stock? Heed these warnings first<blockquote>您的孩子想购买Roblox股票？首先注意这些警告</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nYour kids want to buy Roblox stock? Heed these warnings first<blockquote>您的孩子想购买Roblox股票？首先注意这些警告</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">marketwatch</strong><span class=\"h-time small\">2021-03-11 11:57</span>\n</p>\n</h4>\n</header>\n<article>\n<p>More than half of Roblox’s 32.6 million daily users are under age 13.A year of pandemic living for many preteen kids has meant remote schooling, maybe no summer camp — and a ton of Roblox.</p><p><blockquote>Roblox的3260万日用户中，超过一半年龄在13岁以下。对于许多青春期前的孩子来说，在疫情生活的一年意味着远程教育，也许没有夏令营——还有大量的机器人。</blockquote></p><p>Traffic on the tween-centric gaming platform hassoaredsince the pandemic tied much of daily life to screens and now more than half of Roblox’s approximately 32.6 million daily users across 180 countries areyounger than age 13.</p><p><blockquote>自从疫情将大部分日常生活与屏幕联系在一起以来，这个以青少年为中心的游戏平台的流量猛增，现在Roblox在180个国家的约3260万每日用户中，有一半以上年龄在13岁以下。</blockquote></p><p>Roblox began trading on the New York Stock Exchange on Wednesday. Shares obtained a$45 reference priceon Tuesday. By mid-day Wednesday, RobloxRBLX,+54.44%shares were trading above $73.</p><p><blockquote>Roblox周三开始在纽约证券交易所交易。周二，该股的参考价为45美元。截至周三中午，RobloxRBLX,+54.44%股价交易价格高于73美元。</blockquote></p><p>So maybe now your kid wants to play Roblox on the stock market too.</p><p><blockquote>所以也许现在你的孩子也想在股票市场上玩Roblox。</blockquote></p><p>At a time when more people are getting into the stock market —for better or for worse— parents might be more inclined to say ‘yes’ to the idea.</p><p><blockquote>在越来越多的人进入股市的时候——不管是好是坏——父母可能更倾向于对这个想法说“是”。</blockquote></p><p>Those parents could buy a share in their own brokerage account. Or, they could use a custodial trading account to do it. Those accounts enable parents to buy stocks, bonds, mutual funds and other assets on their child’s behalf. But beware of the tax consequences that lurk — not to mention the weird family dynamics and resentments that can bubble up if investments go wrong.</p><p><blockquote>这些父母可以在自己的经纪账户中购买股票。或者，他们可以使用托管交易账户来做到这一点。这些账户使父母能够代表孩子购买股票、债券、共同基金和其他资产。但要小心潜在的税收后果——更不用说如果投资出现问题，可能会出现奇怪的家庭动态和怨恨。</blockquote></p><p>Joshua Mungavin, principal and wealth manager at Evensky & Katz, is not a fan of a custodial account devoted to stock picks, especially when it’s a new stockfreshly hitting public markets.“This is not an account to bet in, this is an account to take care of the child. … I don’t think it’s a good idea for financial purposes or education purposes,” he said.</p><p><blockquote>Evensky&Katz的负责人兼财富经理约书亚·蒙加文(Joshua Mungavin)并不喜欢专门用于选股的托管账户，尤其是当它是一只刚刚上市的新股时。“这不是一个可以下注的账户，这是一个可以照顾孩子的账户。……我认为出于财务目的或教育目的，这不是一个好主意，”他说。</blockquote></p><p>Custodial accounts are not 529 accounts</p><p><blockquote>托管账户不是529账户</blockquote></p><p>A529 accountcomes with special tax advantages geared towards schooling. Distributions are not subject to federal income tax and state income tax (in most states) when used for specified educational purposes.</p><p><blockquote>A529账户具有针对学校教育的特殊税收优惠。当分配用于特定的教育目的时，无需缴纳联邦所得税和州所得税（在大多数州）。</blockquote></p><p>Custodial accounts do not have those tax advantages on school-related use. “If your primary goal is to invest for education, 529 plans offer the greatest tax advantages, control and flexibility. Custodial accounts can be good options to transfer wealth for just about anything else,”wroteRichard Polimeni, director of Bank of America’s Education Savings Programs.</p><p><blockquote>托管账户在与学校相关的用途上没有这些税收优惠。“如果你的主要目标是投资教育，529计划提供了最大的税收优惠、控制和灵活性。托管账户可以成为转移财富用于其他任何事情的好选择，”美国银行教育储蓄项目总监理查德·波利梅尼(Terichard Polimeni)写道。</blockquote></p><p>Whose account is it anyway?</p><p><blockquote>到底是谁的账户？</blockquote></p><p>In a custodial account, parents, grandparents or other adults can make the investment decisions in the account. Still, the account is considered to be an asset owned by the child, according toFidelity Investments.</p><p><blockquote>在托管账户中，父母、祖父母或其他成年人可以做出账户中的投资决策。尽管如此，富达投资公司表示，该账户仍被视为孩子拥有的资产。</blockquote></p><p>Once the child formally becomes an adult in the eyes of the law, the account goes under their control. The age varies from 18 to 25, depending on the state, Fidelity Investments said.</p><p><blockquote>从法律的角度来看，一旦孩子正式成为成年人，账户就归他们控制。富达投资表示，年龄从18岁到25岁不等，具体取决于州。</blockquote></p><p>It’s the child’s money, even though the parent is managing it. If the money vanishes in a losing bet or poor management, Mungavin said children could hold it against their parents.</p><p><blockquote>这是孩子的钱，尽管父母在管理它。蒙加文说，如果钱在赌博失败或管理不善中消失了，孩子们可以拿它来对付他们的父母。</blockquote></p><p>Whether there is profit or loss, the experience will help shape a child’s views on investing, he added. A jackpot stock pick could teach the lesson on the merits of potentially gambling in the market, Mungavin said. “If it goes poorly, the child sees the stock market with bit of skepticism rather than seeing the individual stock risk.”</p><p><blockquote>他补充说，无论盈利还是亏损，这种经历都将有助于塑造孩子对投资的看法。蒙加文说，头奖选股可以让我们了解市场上潜在赌博的优点。“如果表现不佳，孩子会对股市持怀疑态度，而不是看到个股风险。”</blockquote></p><p>Another word of caution: The presence of a custodial account can weigh heavily into the financial aid decisions are college makes, because the account is treated as the child’s asset. (The Federal Application for Student Aid, the FAFSA, says20% of a child’s assetis available for college, but it’s up to5.64%for an asset in the parent’s name, including a 529 account.)</p><p><blockquote>另一个警告是：托管账户的存在会严重影响大学做出的经济援助决定，因为该账户被视为孩子的资产。（联邦学生援助申请FAFSA称，孩子资产的20%可用于上大学，但父母名下的资产（包括529账户）最高可达5.64%。）</blockquote></p><p>But then again, if Roblox shares surge, maybe selling the stock to defray college costs is a way parents can get some satisfaction from all that time their kids were playing on the platform.</p><p><blockquote>但话又说回来，如果Roblox股价飙升，也许出售股票来支付大学费用是父母可以从孩子在该平台上玩耍的所有时间中获得一些满足感的一种方式。</blockquote></p><p>What about taxes?</p><p><blockquote>税收呢？</blockquote></p><p>While custodial accounts do not have the education-geared tax advantages, they do bring some tax breaks. Still, the breaks need to be carefully considered, Mungavin cautioned.</p><p><blockquote>虽然托管账户不具备面向教育的税收优势，但它们确实带来了一些税收减免。蒙加文警告说，尽管如此，休息仍需要仔细考虑。</blockquote></p><p>For a stock sale from a custodial account that happens at least one year after purchase, the first $2,200 of profit are not taxed, according to Edward Zollars, a Phoenix, Ariz.-based accountant at Thomas, Zollars & Lynch.</p><p><blockquote>亚利桑那州凤凰城Thomas，Zollars&Lynch会计师爱德华·佐拉斯(Edward Zollars)表示，对于从托管账户出售股票至少一年后发生的股票，前2,200美元的利润无需纳税。</blockquote></p><p>Beyond that point, the rest of the money is taxed at the parent’s marginal income tax rate, Zollars said.</p><p><blockquote>佐拉斯说，超过这一点，其余的钱将按母公司的边际所得税率征税。</blockquote></p><p>If an investment turns into a losing bet, the Internal Revenue Service will let taxpayersoffset their gains with those losses.If there are more losses than gains, the IRS allows an annual capital loss deduction up to $3,000.</p><p><blockquote>如果一项投资变成了一场失败的赌注，美国国税局将让纳税人用这些损失来抵消他们的收益。如果损失多于收益，IRS允许每年最多扣除3,000美元的资本损失。</blockquote></p><p>That’s a tax buffer for the risks, but Mungavin and Zollars noted a kid might not have other income where they can apply the loss deduction.</p><p><blockquote>这是针对风险的税收缓冲，但蒙加文和佐拉斯指出，孩子可能没有其他收入可以申请损失扣除。</blockquote></p><p>If the brokerage account is owned by the parent, they said at least they’ll have the income and they can put the loss deduction to use.</p><p><blockquote>他们说，如果经纪账户归母公司所有，至少他们会有收入，并且可以使用损失扣除。</blockquote></p><p>“There’s much less downside protection give on the custodial account,” Mungavin said.</p><p><blockquote>“托管账户的下行保护要少得多，”蒙加文说。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.marketwatch.com/story/your-kids-want-to-buy-roblox-stock-heed-these-warnings-first-11615409710?mod=home-page\">marketwatch</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"RBLX":"Roblox Corporation"},"source_url":"https://www.marketwatch.com/story/your-kids-want-to-buy-roblox-stock-heed-these-warnings-first-11615409710?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/599a65733b8245fcf7868668ef9ad712","article_id":"1166701446","content_text":"More than half of Roblox’s 32.6 million daily users are under age 13.A year of pandemic living for many preteen kids has meant remote schooling, maybe no summer camp — and a ton of Roblox.Traffic on the tween-centric gaming platform hassoaredsince the pandemic tied much of daily life to screens and now more than half of Roblox’s approximately 32.6 million daily users across 180 countries areyounger than age 13.Roblox began trading on the New York Stock Exchange on Wednesday. Shares obtained a$45 reference priceon Tuesday. By mid-day Wednesday, RobloxRBLX,+54.44%shares were trading above $73.So maybe now your kid wants to play Roblox on the stock market too.At a time when more people are getting into the stock market —for better or for worse— parents might be more inclined to say ‘yes’ to the idea.Those parents could buy a share in their own brokerage account. Or, they could use a custodial trading account to do it. Those accounts enable parents to buy stocks, bonds, mutual funds and other assets on their child’s behalf. But beware of the tax consequences that lurk — not to mention the weird family dynamics and resentments that can bubble up if investments go wrong.Joshua Mungavin, principal and wealth manager at Evensky & Katz, is not a fan of a custodial account devoted to stock picks, especially when it’s a new stockfreshly hitting public markets.“This is not an account to bet in, this is an account to take care of the child. … I don’t think it’s a good idea for financial purposes or education purposes,” he said.Custodial accounts are not 529 accountsA529 accountcomes with special tax advantages geared towards schooling. Distributions are not subject to federal income tax and state income tax (in most states) when used for specified educational purposes.Custodial accounts do not have those tax advantages on school-related use. “If your primary goal is to invest for education, 529 plans offer the greatest tax advantages, control and flexibility. Custodial accounts can be good options to transfer wealth for just about anything else,”wroteRichard Polimeni, director of Bank of America’s Education Savings Programs.Whose account is it anyway?In a custodial account, parents, grandparents or other adults can make the investment decisions in the account. Still, the account is considered to be an asset owned by the child, according toFidelity Investments.Once the child formally becomes an adult in the eyes of the law, the account goes under their control. The age varies from 18 to 25, depending on the state, Fidelity Investments said.It’s the child’s money, even though the parent is managing it. If the money vanishes in a losing bet or poor management, Mungavin said children could hold it against their parents.Whether there is profit or loss, the experience will help shape a child’s views on investing, he added. A jackpot stock pick could teach the lesson on the merits of potentially gambling in the market, Mungavin said. “If it goes poorly, the child sees the stock market with bit of skepticism rather than seeing the individual stock risk.”Another word of caution: The presence of a custodial account can weigh heavily into the financial aid decisions are college makes, because the account is treated as the child’s asset. (The Federal Application for Student Aid, the FAFSA, says20% of a child’s assetis available for college, but it’s up to5.64%for an asset in the parent’s name, including a 529 account.)But then again, if Roblox shares surge, maybe selling the stock to defray college costs is a way parents can get some satisfaction from all that time their kids were playing on the platform.What about taxes?While custodial accounts do not have the education-geared tax advantages, they do bring some tax breaks. Still, the breaks need to be carefully considered, Mungavin cautioned.For a stock sale from a custodial account that happens at least one year after purchase, the first $2,200 of profit are not taxed, according to Edward Zollars, a Phoenix, Ariz.-based accountant at Thomas, Zollars & Lynch.Beyond that point, the rest of the money is taxed at the parent’s marginal income tax rate, Zollars said.If an investment turns into a losing bet, the Internal Revenue Service will let taxpayersoffset their gains with those losses.If there are more losses than gains, the IRS allows an annual capital loss deduction up to $3,000.That’s a tax buffer for the risks, but Mungavin and Zollars noted a kid might not have other income where they can apply the loss deduction.If the brokerage account is owned by the parent, they said at least they’ll have the income and they can put the loss deduction to use.“There’s much less downside protection give on the custodial account,” Mungavin said.","news_type":1,"symbols_score_info":{"RBLX":0.9}},"isVote":1,"tweetType":1,"viewCount":1239,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":3,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/321240222"}
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