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The legal age to contract refers to the chronological age a person must be to enter into a binding agreement. In most parts of the United States, Canada, and the United Kingdom, a person is a legal adult when he or she is 18 years of age.
The reason for this is, children under 18 (Sorry if the term offends, but you are still technically a child) are not able to control their own finances, as you may not enter into a contract until you are 18. I would assume that as an investor, you would need to have some kind of contract.