Invest America Act

Extracted Attributes

• Alias

  Trump accounts

• Tax Treatment

  Tax-deferred growth until age 18; distributions taxed at capital gains rate thereafter

• Investment Strategy

  Broad, low-cost funds tracking the S&P 500

• Private Donor Deposit

  $250 for children born 2014-2024 in ZIP codes with median family income of $150,000 or less

• Withdrawal Restriction

  Funds cannot be withdrawn until the beneficiary reaches 18 years of age

• Authorizing Legislation

  One Big Beautiful Bill Act (OBBBA) of 2025

• Initial Federal Deposit

  $1,000 for U.S. citizen children born 2025-2028

• Annual Contribution Limit

  $5,000 per account

Timeline

• Michael Dell discusses the vision for universal investment accounts at a White House roundtable. (Source: Web Search: Wealthspire)

  2025-06-01

• The One Big Beautiful Bill Act (OBBBA) is signed into law, authorizing the Invest America Act. (Source: Web Search: Wealthspire)

  2025-07-04

• The U.S. House of Representatives passes the INVEST Act on a bipartisan vote to expand capital market access. (Source: Web Search: Carlton Fields)

  2025-12-11

• Trump accounts are scheduled to become available for initial deposits on the 250th anniversary of the U.S. Declaration of Independence. (Source: Wikipedia: Trump account)

  2026-07-04

Trump account

A Trump account, also known as a 530A account, will be a stock market index investment account in the United States established for a U.S. citizen child. Trump accounts were initially authorized in law by the One Big Beautiful Bill Act (OBBBA) of 2025. Certain aspects of how Trump accounts will function remain yet to be defined, but the Internal Revenue Service (IRS) has released a notice of its planned regulations. The IRS describes a Trump account as a type of individual retirement account (IRA). Before January 1 of the calendar year in which the child will reach 18 years old, the funds in the account cannot be withdrawn, and after that, the account will be treated the same as a traditional IRA. Trump accounts have more restrictions and fewer tax benefits than some other investment accounts such as 529 accounts, traditional and Roth individual retirement accounts, health savings accounts, 401(k) accounts, and 403(b) accounts. However, the U.S. government and private donors will provide funds for deposit into Trump accounts for some children. This is expected to include US$1,000 deposits offered by the federal government for U.S. citizen children born in 2025–2028 and US$250 deposits offered by Michael and Susan Dell (the chief executive officer of Dell Technologies and his wife) for up to twenty-five million other children born in 2014–2024 who live in ZIP codes where the median family income is US$150,000 or less. Trump accounts will become available for initial deposits on July 4, 2026 (the 250th anniversary of the U.S. Declaration of Independence).

Web Search Results

• Invest America Act: A New Opportunity for Our Kids' Financial Future

  Wealthspire logo # Invest America Act: A New Opportunity for Our Kids’ Financial Future ## Introduction The One Big Beautiful Bill, signed into law on July 4, 2025, includes a groundbreaking initiative known as the Invest America Act, which establishes tax-advantaged investment accounts for children. This legislation is designed to provide every American child with a financial head start and encourage long-term saving and investing from an early age. It is a serious and optimistic step toward promoting economic opportunity and generational wealth. [...] ## Final Thoughts The Invest America Act is a powerful new tool to help the next generation build wealth with discipline and optimism. For those committed to building financial security for our children and grandchildren, this is a unique opportunity. Michael Dell, CEO of Dell Technologies, during a White House roundtable event in June 2025, captured the spirit of this initiative when he said, “Imagine if every child in America had an investment account from birth. Imagine how that might change the conversation about opportunity, ownership and the future.” That vision is now becoming reality, an America in which every child holds a tangible stake in the nation’s economic growth and in their own financial future. [...] every young person to begin adulthood with real financial footing.

• Fact Sheet for INVEST in America Act with Water

  Fact Sheet The INVEST in America Act is a $715 billion surface transportation reauthorization and water infrastructure bill that will create good-paying jobs to rebuild and reimagine America’s surface transportation infrastructure, with investments in roads, bridges, transit, rail, and drinking water and wastewater infrastructure. This package helps meet the president’s vision— as laid out in the American Jobs Plan—by investing in American workers and communities of all sizes, while tackling the climate crisis head-on. Roads, Bridges, and Safety: $343 billion o Delivers better roads and bridges faster by increasing investment by 54 percent, with an emphasis on fixing existing infrastructure. o Dedicates $32 billion for bridge funding to ensure bridges in communities of all sizes are safer, [...] conversion to reduce local air pollution and related health impacts. These investments are paired with strong Buy America requirements and provisions for workforce training to ensure America can compete in the clean energy economy. o Funds and incentivizes transit-oriented development to make transit more convenient to where people live and work and builds sustainable, walkable communities. o Increases funding for rural transit by more than 50 percent in the first year and sets aside $50 million a year for rural persistent poverty communities. Creates a pilot to improve flexibility in paratransit trips, allowing for brief stops such as childcare pick-ups and drop-offs, and short trips to the grocery store, pharmacy, or bank. o Creates a new reduced-fare pilot program to improve access for [...] access to jobs and other essential services; and reconnects communities that were divided by highways with a new $3 billion program to correct planning mistakes of the past. o Targets investments to areas of persistent poverty, rural communities, Tribes, and other continually disadvantaged areas. o Helps elevate state and local priorities by funding Member Designated Projects. Transit: $109 billion o Makes record investments in transit to increase routes, reduce the transit maintenance backlog, and provide more frequent service, resulting in better options for riders, improved environmental outcomes, and increased access to jobs and essential destinations. o Scales up investment in zero-emission transit vehicles, supporting fleet conversion to reduce local air pollution and related health

• INVEST in America Act Summary

  for Bay Area transit operators—fourfold to $7 billion over the course of the bill; and adds a new Highway-Rail Grade Crossing Separation competitive grant program funded at $2.5 billion over the life of the bill. [...] Act, the 2015 transportation bill that guides current federal transportation policy and funding distribution. Of the almost $443 billion in proposed highway and transit resources, approximately 90 percent would be directed to the core FAST Act programs (highway and transit formula programs, nationally and regionally significant projects, and the transit Capital Investment Grant (CIG) program). The remaining 10 percent would be directed to new climate and resilience formula programs, a number of new discretionary grant programs — including programs targeted at congestion relief, reconnecting underserved communities that have been divided by highways, and active transportation — and a one-time investment of approximately $5.6 billion in member-designated projects, of which nearly $210 [...] program to include guaranteed funding (via formulas) for states to invest in carbon reduction, resilience, and electric (and hydrogen) vehicle charging stations, and that the bill explicitly makes resilience-related projects eligible under the National Highway Performance Program and the Surface Transportation Program (STP), which together encompass more than three-quarters of total federal highway formula spending. The bill would also create a number of new climate-focused discretionary programs that would provide regions and local governments an opportunity to compete for funding to invest in local priorities to combat climate change and to improve multimodal mobility options. To date, the federal highway program is structured to support state of good repair, congestion reduction and

• The INVEST Act: A Harbinger of New Investment and ...

  Consistent with Atkins’ concern, on December 11, 2025, the U.S. House of Representatives passed the Incentivizing New Ventures and Economic Strength Through Capital Formation Act of 2025 (INVEST Act) on a bipartisan vote of 302 to 123. In a statement released at the time the act was passed, the House Committee on Financial Services outlined the act’s goals — expanding access to the capital markets for small businesses, increasing investment opportunities for retail investors, and strengthening public markets to promote growth and competitiveness.

• Sen. Cruz Introduces the Invest America Act

  Meanwhile, the bill made a major advance when the U.S. House of Representatives today released a version of Senator Cruz’s bill in the House Ways and Means Committee budget package. Sen. Cruz said, “The Invest America Act will trigger fundamental and transformative changes for the financial security and personal freedoms of American citizens for generations. Every child in America will have private investment accounts that will compound over their lives, enhancing the prosperity and economic participation of the vast majority of Americans. When people years from now talk about the changes created by Republican efforts this Congress, this is one of the landmark achievements they will talk about.” [...] Brad Gerstner, Founder, Chairman, and CEO of Altimeter Capital, said, “Invest America accounts are central to the Main Street Agenda — pulling every kid off the sidelines and putting them squarely in the game. When everyone realizes they can be an owner, it unites our country around free-market principles and unleashes the next generation of American success. This progress would not be possible without Senator Cruz’s leadership.” Michael Dell, Founder, Chairman, and CEO of Dell Technologies, said, “Invest America accounts put every child in the front row of our economy. When the power of compounding meets the energy of young minds, we’re not just growing portfolios—we’re fostering the next generation of builders, dreamers, and doers who will keep America leading the world.” [...] Read the bill text here. BACKGROUND Each Invest America account will be open to contributions from individuals, family members, friends, and businesses up to $5,000 annually. The account investments can be placed in a broad, low-cost fund that tracks the S&P 500, growing tax-deferred until the individual reaches age 18. Distributions after age 18 would be taxed at the capital gains rate. ### Previous Next