TIME creates wealth—the perfect present

This is the perfect birthday present for a young person. Because of the power of compound interest, you can start your loved one on the path to financial freedom that they will remember for a lifetime.
You can start small or large. You can establish an account for any person of any age. Even if they have not been born yet, you can lay the foundation for a better life.
The nice part is that you can do it easily and quickly.
You can start with as little as $100 by bank draft.
Fill out the application (download http://www.tiaa-cref.org/pdf/forms/mf-app.pdf) and send it to TIAA-CREF.org, one of the most secure pension providers.
Depending on the age of the recipient, you can be the owner with them and leave them the money as a transfer or they can be the owner from the start. If they have earned income, the ROTH IRA will add another 25% tax-FREE earnings to their retirement nest.
The point is to get them started with an equity index mutual fund early. Since this fund does not trade stocks, the tax bite is minimal. TIME creates wealth, not fast trading. As Warren Buffett, one of the world’s best investors, said,

“We continue to make more money when snoring than when active.”
berkshirehathaway.com

Look at what your gift can provide in the future because of compounding:

$100 is worth $10,000 later. $1,000 gets $100,000 and $10,000 gets $1,000,000.
If you start your gift early, providing $100 a month for 8 years before age 26, the child can have $36,000 at 30, $100,000 at 40, and $1 million at age 65. (http://www.saferchild.org/power.htm)

You can use this gift to help them go to college, start their life, buy a home, start a business, or just have as a basis for financial security later in life. You can structure it the way you want. When you or they take money out, the tax can be as low as 5% depending on the owner’s income level and type of account. See our FREE Guide: http://www.theinsidersguides.com/freeguide.html

They can use it later in life as a reserve to help them through a crisis or just to remember you as they spend it. Ether way, this reserve could provide wealth for life. What a perfect birthday present.