Trump Accounts Launch Plan Revealed: $1,000 Seed Investment for Every American Child

The US Treasury has officially launched a website detailing a major new financial initiative. Called Trump Accounts, the plan aims to create government-funded investment accounts for American children. Treasury Secretary Scott Bessent unveiled the site on December 17, 2025.The program is scheduled to begin on July 4, 2026. It is designed to provide a long-term wealth-building tool for the nation’s youth. According to Reuters, this marks a significant policy push ahead of the proposed rollout.

How the Child Investment Accounts Will Work

Every eligible American child will receive a $1,000 seed deposit. This is for children born between January 1, 2025, and December 31, 2028. The money comes directly from the US Treasury with no parental contribution needed.The account is held in the child’s name. A parent or guardian acts as the custodian until the child turns 18. Families can choose to add more money annually to accelerate growth.They can contribute up to $5,000 per year. All funds are automatically invested in a portfolio of American companies. Account holders can monitor performance through a dedicated mobile application.

Long-Term Growth and Broad Support

Projections show substantial potential growth over 18 years. An account with just the initial $1,000 could grow to around $5,800. Adding $250 annually could grow the fund to approximately $20,700.Maxing out contributions at $5,000 per year could yield about $303,800. These figures illustrate the power of compounding interest from an early age. The initiative has attracted notable corporate and philanthropic backing.Major supporters include Block, Uber, and BlackRock. Financial firms like MasterCard, Visa, and BNY are also involved. Philanthropists Michael and Susan Dell and Ray and Barbara Dalio have pledged support.The website frames the policy as pro-family and pro-growth. It argues the plan allows millions to benefit directly from the US economy. The goal is to give every child a financial head start in life.

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The Trump Accounts initiative represents a bold attempt to reshape long-term savings for American families. If launched as planned, it could provide a new financial foundation for an entire generation. The success of this child investment plan will depend on its final implementation and public uptake.

Info at your fingertips

Who is eligible for a Trump Account?

American citizens under 18 are eligible. The initial focus is on children born between 2025 and 2028. They must have a Social Security number to qualify.

Do parents have to contribute money?

No, parental contributions are completely optional. The government provides the initial $1,000 seed deposit. Families can choose to add up to $5,000 per year for faster growth.

When can the child access the money?

The child gains full control of the account at age 18. They can then withdraw funds for approved uses like education or a home. They can also choose to continue investing for the future.

What are the tax advantages?

The accounts are designed to offer tax advantages similar to a traditional IRA. This means potential tax-deferred growth on investments. Specific rules will be finalized before the 2026 launch.

What is the main goal of this program?

The goal is to build long-term wealth for American children. It aims to provide a financial foundation from birth. Officials describe it as a pro-family investment in the next generation.