Yea I don't want it to be specifically college money, just HER money. I just want to teach her the value of long term investing, and give her a head start on life when she turns 18. She may not go to college, or she may get a full ride scholarship. She might need some money for a car, or she might just want to cash it in and invest in something she wants to invest in. Or she may want to spend it on her wedding, or blow it all on faberge eggs. I will impart my wisdom on her, and advise her the best I can, but ultimately it's her life and her money.