The US Treasury Department officially launched Trump Accounts on July 4, 2026, rolling out a government-backed investment program that gives newborns a $1,000 head start in the markets.
The program reported 6 million sign-ups at launch.
How Trump Accounts actually work
Children born between January 1, 2025, and December 31, 2028, are eligible for a $1,000 seed deposit from the Treasury. The accounts function as custodian-held traditional IRAs for minors, meaning a parent or guardian manages the account until the child turns 18.
Families can contribute up to $5,000 annually, with that cap subject to inflation adjustments starting after 2027.
