The federal government is about to become America’s most aggressive financial advisor for kids. Starting July 4, 2026, the Trump administration will roll out a new class of tax-advantaged investment accounts for US children under 18, complete with a $1,000 government deposit for those born between 2025 and 2028.
The timing is deliberate: the launch coincides with the 250th anniversary of the Declaration of Independence. The program, branded as “Trump Accounts,” is being implemented under the “One Big Beautiful Bill” passed in 2025.
How the accounts actually work
Children born between January 1, 2025, and December 31, 2028, who hold a valid Social Security number will automatically qualify for a $1,000 government seed contribution once their account is established. Older minors, those who won’t turn 18 before the end of the calendar year, can also open accounts but won’t receive the free money.
Parents or guardians serve as custodians until the child hits 18. Starting from the launch date, family members, employers, and others can contribute up to $5,000 per year. The growth is tax-deferred, which means no tax bills until withdrawals begin.
