<prompt> Human: Id like to start a retirement fund for my toddler. Im already funding his 529, but Id like to put some seed money in an account to start growing. I figure that even 500year with a horizon of 60 years will amount to a decent nest egg.Is there an investment vehicle that allows for this? Roth IRAs require earned income, which my 2 year old does not have.  <response>: In short, no. Generally in order to get tax advantages you have to pay tax, which in turn translates into an earned income requirement or a paycheck to deduct from.An irrevocable trust offers some tax advantages, but the best way to help out your toddler is probably by making sure your retirement is set. 