The Trump administration just rolled out what might be the most consequential personal finance program in a generation. Every newborn in the US now gets a $1,000 government-funded investment account, seeded by the Treasury Department and automatically parked in low-cost equity index funds.
They’re calling them “Trump Accounts.” The program represents a massive bet on traditional equity markets, and a conspicuous snub of the crypto industry that spent heavily to help get Trump elected.
How the program works
Launched on July 4, 2026, the initiative targets US citizen newborns with Social Security numbers born between January 1, 2025, and December 31, 2028. Each eligible child receives a $1,000 seed contribution from the Treasury, which gets invested into broad US equity index funds, think S&P 500 trackers, with annual fees capped at 0.10%.
Parents manage the accounts until the child turns 18. Withdrawals before that age are heavily restricted.
