With a custodial account, the child is the owner, but the custodian (usually a parent) manages the property until the child reaches the age of majority under relevant state law-either 18 or 21.

孩子是保管账户的所有者，但是保管者(通常指父母)掌管这个财产直到孩子达到了法定的年龄18或者21岁。