Trump Child Investment Accounts Set to Launch With Major Federal Backing on July 4

(Trump Accounts. Photo Credit; ABC News)

Contributions into the so-called Trump Accounts for children are set to begin on July 4, under a new federal programme that will see the Treasury Department deposit $1,000 for each enrolled child born in the United States between January 1, 2025 and December 31, 2028.

While all children under 18 are eligible to participate, provided they hold a valid Social Security number, only those born within that specific window will receive the automatic $1,000 deposit.

The accounts form part of President Donald Trump’s signature tax and spending legislation, which was passed last year.

Speaking at a summit for the initiative in January, the president described the accounts as one of the most transformative policy innovations of all time.

Parents and guardians looking to open an account for an eligible child can do so by electing in through IRS Form 4547 when filing a tax return.

Family members, relatives and friends may contribute up to $5,000 annually into a child’s account, while corporations and organisations such as nonprofits and local governments can make tax-deductible contributions of up to $2,500 per year.

Several major corporations, including BlackRock, Chipotle, Mastercard, Robinhood and Uber, have already pledged to match contributions made into the accounts, and some states are expected to contribute as well.

Billionaire Michael Dell, founder and CEO of Dell Technologies, along with his wife Susan Dell, pledged in December 2025 to donate more than $6 billion to supplement the programme by seeding accounts with $250 each.

Funds held in Trump Accounts will be invested in the stock market, primarily through a broad index fund designed to track market performance over time, allowing balances to grow through compound returns.

The accounts carry tax advantages similar to those of a traditional IRA and can be managed either through an official app or via a dedicated website.

Children will not be able to access the funds until they turn 18, at which point withdrawals will be limited to specific purposes, such as education, buying a home or starting a business, in order to avoid penalties.

Once they begin earning income, children may also contribute to their own accounts.

Children under 18 who were born before January 1, 2025 are also eligible to open Trump Accounts, though these accounts will not qualify for the federal government’s $1,000 contribution.

( (US President Donald Trump. Photo by BBC))