I’m going to go contrarian here. Why not buy like 10 shares of citibank or some other cheaply priced bank stock? I mean, the entire sector is in the trenches, and not all the banks will fail. Who knows, maybe you pick the one that recovers. For fun, each new kid, buy a different bank. A few of the kids will end up happy, and a few will endup with worthless shares. It also teaches kids that life isn’t fair 🙂