Trump Accounts were created under the 2025 federal tax and spending legislation. The program establishes long-term investment accounts for children, intended to help fund: - Higher education - Buying a first home - Starting a business - Other approved adult milestones beginning at age 18 Funds placed in the accounts will be invested in broad stock-market index funds.
WHO AUTOMATICALLY RECEIVES FUNDS?
Under federal law: - Children born between Jan. 1, 2025, and Dec. 31, 2028 automatically receive a $1,000 deposit into a Trump Account at birth.
- Families may contribute up to $5,000 per year to the account if they choose.
MAJOR PRIVATE DONATION Philanthropists Michael and Susan Dell have pledged a record $6.25 billion to expand access to the program.
Their donation is structured to: - Provide a $250 deposit to approximately 25 million American children under age 10, including those born before the federal eligibility window.
- Potentially extend to older children if funds remain after the initial rollout.
This is one of the largest private gifts in U.S. history directed toward children’s long-term savings.
PROGRAM LAUNCH DATE
Trump Accounts are scheduled to roll out nationwide on July 4, 2026. The date was selected to emphasize financial independence for future generations.
HOW THE ACCOUNTS WILL WORK After the rollout: - Families will receive instructions on how to claim or activate their child’s account.
- Federal and philanthropic deposits will appear automatically once an account is claimed.
- Contributions by families, employers, or community groups remain optional.
- Funds will be locked until the child turns 18.
COMMUNITY IMPACT
Supporters believe Trump Accounts could provide a meaningful financial foothold for millions of families, including those in rural areas such as western Oklahoma, where early investment opportunities are often limited.
Questions remain about long-term performance, implementation details, and whether families can contribute regularly, but the program marks a significant shift in how the nation approaches children’s financial futures.
