"With the ringing of the opening bell for the stock market, those accounts will now begin to grow right along with our booming economy, and I really believe we’re going to have the biggest boom of all,” Trump said as he rang the bell remotely from the Oval Office.
U.S. Treasury Secretary Scott Bessent said the accounts will be “one of the President's most enduring legacies, and the great bounty of this will go [on] for generations to come.”
Trump was joined in the Oval Office by Michael and Susan Dell, who committed $6.25 billion towards funding the program in December.
There have, however, been concerns that the initiative could disproportionately benefit well-off Americans.
With American families curious as to how they might benefit from the newly-launched Trump Accounts, here’s what you need to know.
Once opened, an eligible account will automatically receive a one-time, tax-free $1,000 contribution from the federal government. The funds, plus any further contributions, will be automatically invested in an index fund that tracks the S&P 500, which itself tracks the performance of the top 500 U.S. companies trading on the stock market.
The accounts are listed in the child’s name, with parents acting as the sole custodian until the child is 18.
The Trump Administration has confirmed that it will allow philanthropist contributions towards the program through public company stock. Contributors can transfer stock to the Treasury, which will then invest the funds into accounts in line with the donator’s guidelines.
Does your baby qualify for a $1000 Trump Account—and what do you need to do?
Babies that are U.S. citizens born between Jan. 1, 2025, and Dec. 31, 2028 are eligible to receive the one-time government seed contribution of $1,000 in their account. This timeframe falls within Trump’s second term in office.
A maximum of $5,000 overall can be contributed to each account annually from parents, other family and friends, and the employers of parents and guardians. Most contributions will be taxed, but employers can provide up to $2,500 a year, tax-free (per employee, not per child). State and local governments can also make tax-free contributions.
Semi-conductor manufacturer Micron has also announced an employee matching benefit for contributions up to $1,000 per child under 18. Additionally, Micron said it will provide a community benefit of a one-time $250 seed deposit for children with Trump Accounts where the company operates in Idaho, New York, Virginia, California, Colorado, Minnesota, and Texas.
Without any investment beyond the initial $1,000, the Administration estimates a Trump Account account would be valued at $6,000 when the child turns 18, based on historical S&P 500 averages. With the maximum annual contribution of $5,000, accounts could see a value of up to $271,000 after 18 years.
Are older children eligible for payments?
To qualify, the child must be a U.S. citizen with a social security number, and the account must be opened before the end of the year in which the child reaches the age of 18.
In December 2025, the Dells pledged $6.25 billion for the accounts, giving an additional $250 to the first 25 million accounts registered for children aged 10 and under, living in ZIP codes with a median household income of under $150,000 annually.
Ray Dalio, investor and the founder of Bridgewater Associates, and his wife Barbara also committed to providing $250 to 300,000 children under 10 in Connecticut who live in ZIP codes where the median income is less than $150,000.
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