Trump Accounts
A national program, championed by Brad Gerstner and based on the Invest America Act, that provides every American child with a government-seeded investment account ($1,000 in the S&P 500) at birth to promote widespread participation in capitalism.
First Mentioned
12/23/2025, 5:44:57 AM
Last Updated
2/7/2026, 11:23:50 PM
Research Retrieved
12/23/2025, 6:32:15 PM
Summary
Trump Accounts is a flagship economic initiative of the Trump Administration designed to foster financial literacy and provide every American child with a stake in the U.S. economy. Unveiled by Treasury Secretary Scott Bessent, the program provides a $1,000 pilot deposit from the U.S. Treasury for eligible children born between 2025 and 2028. Established under the Working Families Tax Cuts, these tax-advantaged accounts allow families, employers, and philanthropists to contribute funds that must be invested in American equity indices like the S&P 500. The program aims to bridge the wealth gap between Wall Street and Main Street by utilizing the power of compound growth to create a generation of shareholders. Major private sector support includes a $6.25 billion contribution from Michael and Susan Dell and matching programs from companies like Charles Schwab.
Referenced in 2 Documents
Research Data
Extracted Attributes
Tax Status
Tax-advantaged; treated as a traditional IRA after the beneficiary turns 18
Eligibility
U.S. citizens under age 18 with a valid Social Security number
Legal Basis
Working Families Tax Cuts
Lead Agencies
U.S. Department of the Treasury and Internal Revenue Service (IRS)
Initial Deposit
$1,000 pilot deposit for eligible children born 2025-2028
Investment Requirement
Mutual funds or ETFs tracking the S&P 500 or other American equity indices
Withdrawal Restriction
Generally no withdrawals permitted before the child turns 18
Timeline
- Michael and Susan Dell announce a $6.25 billion contribution to the program, providing $250 for 25 million children's accounts. (Source: trumpaccounts.gov)
2025-12-02
- The Treasury and IRS issue Notice 2025-68 providing initial guidance on account establishment and the pilot program. (Source: irs.gov)
2025-12-04
- Scheduled date for the official release of further program details. (Source: trumpaccounts.gov)
2025-12-17
- Earliest date families are expected to be able to open accounts. (Source: trumpaccounts.gov)
2026-01-01
- Official date on which contributions to the accounts may begin. (Source: trumpaccounts.gov)
2026-07-04
Web Search Results
- Trump Accounts - Jumpstarting the American Dream
## What are Trump Accounts? Trump Accounts are new investment accounts for children under 18. Families can open accounts in early 2026 and contribute starting July 4, 2026. Eligible children born from 2025 to 2028 may receive a $1,000 pilot deposit from the U.S. Treasury, and all eligible children may receive deposits from employers or major philanthropic contributors. ## Contributions by great American companies and philanthropists. Participate ### Michael and Susan Dell [...] An official website of the United States government Trump Accounts # Trump Accounts jumpstart the American Dream Each account provides eligible children with a $1,000 gift courtesy of Donald J. Trump. Learn more on December 17th. ## “This is apro-family initiative that will help millions of Americans harness the strength of our economy to lift up the next generation. And they'll really be getting a big jump on life.” Donald J. Trump 45th & 47th President of the United States [...] $6.25 Billion Dollar Contribution· Dec 2, 2025 ## News ### Landmark Dell Gift Supercharges Trump Accounts for America’s Kids whitehouse.gov→### President Trump's Live Announcement on Trump Accounts youtube.com→### Michael and Susan Dell to Put $250 in 25 Million Children’s Accounts nytimes.com→### Trump Accounts Will Chart the Path to Prosperity for a Generation of American Kids whitehouse.gov→### Employers May Offer a New Benefit Through 'Trump Accounts'
- Charles Schwab to Match U.S. Government's ... - Press Releases
The children's saving account program, known as “Trump Accounts,” was signed into law by President Trump and provides a $1,000 pilot contribution from the U.S. Treasury into a tax-advantaged account for eligible children born in the U.S. between 2025 and 2028. The program is designed to help build the long-term financial security for millions of children by encouraging saving and investing from day one.
- Remarks by Secretary of the Treasury Scott Bessent at the Trump ...
An entire generation of Americans is about to learn, in the most life-changing way possible, how even small early contributions can become generational wealth. And it’s all thanks to President Trump. Trump Accounts are the President’s gift to the American people. They represent perhaps the most groundbreaking policy innovation of modern times. And they are shaped by a simple vision: “Every American a shareholder.” [...] Trump Accounts are not a government program. They are a radically new platform that returns us to a social contract anchored in individual ownership where everyone starts life on an investing journey. By giving each newborn citizen a material stake in the American Dream through Trump Accounts, President Trump is minting future investors on every rung of the economic ladder. He is embedding financial literacy and empowering today’s youth to shape their own financial future. And he is creating an [...] In addition to giving America’s youth a crash course in capitalism and an economic leg-up, Trump Accounts will instill financial literacy in America’s youth in a way no book, test, or school curriculum could. They will do so by providing students with a hands-on education in the power of compound growth. Treasury is wholly committed to promoting financial responsibility in the next generation through its Financial Literacy and Education Commission.
- Trump Accounts | Internal Revenue Service
The Working Families Tax Cuts allows parents, guardians and other authorized individuals to establish a new type of individual retirement account for their children, called Trump Accounts. The account is for a child who has not turned age 18 before the end of the calendar year in which the election is made and has a valid Social Security number. [...] The account features a pilot program contribution of $1,000 for children born between Jan. 1, 2025, and Dec. 31, 2028, and who are U.S. citizens with a valid Social Security number. Learn more about Trump Accounts and how they work. See trumpaccounts.gov ## Related Treasury, IRS issue guidance on Trump Accounts established under the Working Families Tax Cuts Trump Accounts notice PDF Page Last Reviewed or Updated: 04-Dec-2025 Share + Facebook + Twitter + Linkedin [...] Overview Tax fraud and scams Identity theft Fake IRS email or message Tax return preparer # Trump Accounts ## Trump Accounts give the next generation a jump start on saving
- Treasury, IRS issue guidance on Trump Accounts established under ...
The funds in Trump Accounts must be invested in certain mutual funds or exchange-traded funds that track the S&P 500 or another index of primarily American equities. Amounts generally cannot be withdrawn from Trump Accounts before January 1st of the calendar year in which the child turns 18 years old. After that point, the account generally is treated as a traditional IRA and generally is subject to the same rules as other traditional IRAs. [...] Notice 2025-68 PDF provides a general overview of how Trump Accounts work and addresses certain initial questions about creating initial and rollover Trump Accounts, the $1,000 pilot program contribution, other contributions – including qualified general contributions and section 128 employer contributions – eligible investments, distributions, reporting, and coordination with the rules applicable to other types of IRAs. [...] Today’s notice addresses certain areas of interest to prospective trustees of Trump Accounts and to those individuals, such as parents and guardians, who would like to establish and/or contribute to these accounts. The notice requests comments on numerous issues related to Trump Accounts. The IRS is posting a draft version of Form 4547, Trump Account Election(s) to Draft tax forms. When final, the new form can be used to establish a Trump Account and to enroll in the pilot program.