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Alison Southwick: The last question comes from Kevin. I have a three-month-old and opened her an UGMA account -- American Funds through my FA the day we got her Social Security number. Oh, thats nice. I have a biweekly draw going into the account and I thought this was a smart idea until about two months ago in, Im realizing the fund were in charges 5% of any amount added to the account. Example -- when my $100 goes in, $5 is automatically taken out and this is in addition to the fee of 1.14%. Ive also learned that there arent really any tax advantages and it could even hurt her financial aid status when applying for college. I know about 529 plans, but I dont want these funds restricted to only education. My question: Is the fee structure typical of an UTMA? Why shouldnt I just open a separate investment account in my name, with much lower fees, and give it to her or use for her when shes old enough? Ross Anderson: The acronym were talking about, here, is the Uniform Gif