Designing an Accumulating UL For A Toddler?

Is there a way to design a UL for a toddler for good accumulation? I've been fidgeting, but it seems that the COI for a child is so low at that age that in order to build any type of value, you have to start with a sky high DB.

By the time the child reaches 20 ready to withdraw for college, you've put $20K in and only made 2-3K.
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