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The Fidelity Youth ® Account is a teen-owned taxable brokerage account. It is owned by the minor, who makes all the investment decisions. This is different from a Roth IRA for Kids, which is a custodial account that an adult opens and manages on behalf of a child under age 18 who has their own employment compensation. 2 Earnings in a Roth IRA for Kids grow federal tax free; qualified,The Fidelity Youth Account is a brokerage account teens ages 13-17 can own independently to invest and learnâwhile parents stay connected. Teens can also request a debit card to spend from their account.~Fidelity supports 128-bit browser encryption. Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.