The Roth IRA

The goal would be to just let it ride until the child was old enough to have earned income. And then basically once you've moved into the Roth IRA, the child can continue to do that until they make too much money and they're not allowed to have a Roth IRA. By the time the child is 65, if you take even a conservative estimate, that money could be worth as much as $50 or $75 million by thetime the child is that old. But I think we would all agree that leaving a grandchild or a child $5 million into retirement is a very nice present and a pretty good return on an initial $10,000 investment.