<prompt> Human: Id like to give a family member whos 5 an investment ideally a total market index fund, initially 500-1,000. I dont want the child or anybody else to be able to withdraw or change the investment until the child turns 18 or something, but then I want the child to own it and be able to do whatever they want with it -- spend it on college, use it to start a business, pay rent, or even just buy a shiny.I dont want to do a 529 plan because I dont want to coerce them into college, and I dont want to just gift them cash because it could feasibly be used between now and then. However, Im worried that _if_ they choose to go to college, having this money would hurt their chances for aid, which theyll likely need. Whats the best way to go about this?  <response>: Wait 13 years until theyre 18, then hand them a fistful of 100 bills and say Dont get arrested!? 