U.S. launches Trump Accounts for children born 2025‑2028 with $1,000 government seed
The federal program, opened on July 4, 2026, provides a $1,000 contribution to eligible children and functions like an individual retirement account.
The United States launched Trump Accounts on July 4, 2026. The accounts are available to children born between 2025 and 2028, and each eligible account receives a $1,000 contribution from the federal government.
More than 6 million children were signed up for Trump Accounts before the July 4 launch, according to CNBC. Approximately 1.4 million babies born between 2025 and 2028 are eligible for the $1,000 seed investment, CNBC reported.
Contributions to Trump Accounts are limited to $5,000 per year per contributor, the Guardian reported. Funds in the accounts are invested in low‑cost U.S. equity index funds, WTAE reported. The program was created under the One Big Beautiful Bill Act passed last year, GDelt reported. Treasury Secretary Scott Bessent described Trump Accounts as a "rainy day fund," GDelt reported.
Children who are not eligible for the free $1,000 contribution can still benefit from Trump Accounts, NPR reported. The accounts are designed to function similarly to individual retirement accounts, GDelt reported.
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