Open a Tempo Kids account

Invest in a child you care about and set them up for future financial success.

Open a Kids account

Set up for them, managed by you

Open a Kids account in the child's name and have oversight till they’re 18. Any money that comes in and any investments made, belong to them, taxed at their prescribed investor rate (PIR).

Create financially savvy sidekicks

Set your child up for success, build financial literacy, and create positive money habits over the long term by showing them how to invest.

For grown-ups who care

It doesn’t matter if you’re a parent, grandparent, great-grandparent, uncle, aunt, or a child’s legal guardian. If you care about their future and want to give them a financial head start, Tempo makes it easy.

How to get started

1. Set up your own Tempo account

To open a Kids account, you’ll need to be a Tempo customer yourself, if you're not already.
2. Have their details ready
Make sure you have the child’s following information at hand: email, birth certificate or passport, physical address, bank account, IRD number, and PIR.
3. Create a Kids account
Head to the ‘Me’ section in the app, tap on ‘Open a Kids account’, and follow the steps to sign up.
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Want to know more?

Here's some answers to questions you may have.
How does a Tempo Kids account work?
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Who can open and manage a Kids account?
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Can I open more than one Kids account?
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What happens when the child turns 18?
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I have a different question
Set a plan, track progress
Whatever goal you have in mind for the child, we’ll help you set a plan and keep track of their progress.
Receive gifts from anyone
Friends and family can send money as gifts towards the child’s future, it’s easy to contribute.
Automate their investing
Save time by setting up regular deposits. Let the child's future grow automatically while you focus on today.

What’s the difference between a Kids account and Kids goal?

With Tempo, you can save for a child in two ways. Here’s how they compare.
Who’s the owner?
Kids goal
You are. You can use the money for anything.
Kids account
The child. Investments are a gift and legally belong to the child.
What happens when you take money out?
Kids goal
Money goes to your bank account.
Kids account
Money goes to the child’s bank account.
When does the child take control?
Kids goal
You decide when to give the money to the child.
Kids account
Control automatically transfers to the child at 18.
What tax rate do you pay?
Kids goal
You are taxed at your Prescribed Investor Rate (PIR).
Kids account
Taxed at the child’s PIR.
Can others contribute?
Kids goal
Yes, anyone can contribute.
Kids account
Yes, anyone can contribute.
Who controls the account and accepts our advice?
Kids goal
You.
Kids account
You, until control is transferred to the child at 18.
What’s required to start?
Kids goal
Just your existing Tempo account.
Kids account
Passport or birth certificate, IRD number and bank account in the child’s name.
Download our comparison (PDF)
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The Forsyth Barr Funds are issued by Forsyth Barr Investment Management Limited. The Product Disclosure Statement for the Forsyth Barr Funds has been lodged on the Disclose Register and is available on our Documents and Disclosures page.