Treasury Launches Trump Accounts for U.S. Children
The 2025 initiative provides tax-advantaged investment accounts for millions of American children.
Updated on Oct. 26, 2026 in Retirement Planning
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Created under the 2025 One Big Beautiful Bill Act, the U.S. Treasury has launched the Trump Accounts program. Eligible children born between January 1, 2025, and December 31, 2028, qualify for a one-time $1,000 deposit.
Why it matters
The program serves as a pro-family initiative designed to allow the next generation to build wealth and benefit from the U.S. economy. By utilizing tax-advantaged investment accounts, the plan aims to foster long-term financial security for American families.
Eligible children receive a $1,000 initial Treasury deposit and parents may contribute up to $5,000 annually. Funds are invested in American companies, with 3 million children already enrolled.
The players
Michael Dell
He is the founder and CEO of Dell Technologies who committed significant private capital to supplement the government program.
Susan Dell
She is a philanthropist who partnered with her husband to pledge $6.25 billion toward the funding of child investment accounts.
United States Department of the Treasury
This federal executive department is responsible for managing government revenue and administering the new child investment program.
The details
Parents serve as account custodians for children under 18 by submitting IRS Form 4547 to the Treasury, which developed the program app alongside Robinhood and BNY. The program also received a $6.25 billion pledge from Michael and Susan Dell, which provides an additional $250 deposit for 25 million children.
Timeline
The One Big Beautiful Bill Act was passed in 2025.
Children born starting January 1, 2025, are eligible for the deposit.
Eligibility for the $1,000 deposit ends on December 31, 2028.
Market Dynamics
The program marks a shift toward state-sponsored childhood investment models as outlined in the One Big Beautiful Bill Act of 2025. It positions government-led wealth building alongside private capital contributions to influence the long-term domestic equity market.
Families can begin building a portfolio for their children by submitting the required IRS documentation to establish the tax-advantaged account. Investors should note that account funds are automatically invested in American companies, creating a long-term stake in the U.S. market.
The takeaway
The Trump Accounts program offers a structured way for families to utilize tax-advantaged savings and private funding to invest in their children's financial futures. Parents should review the contribution limits and historical S&P 500 growth estimates provided on the site to plan accordingly.
Further reading
For additional context on long-term wealth building, visit our Retirement Planning section.
More information
To review eligibility requirements or enroll a child, visit the official government program website.
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Should the federal government provide investment accounts to all American children to promote long-term savings?
