06/16/2026
🇺🇸 Big news for parents of newborns and young children — Trump Accounts are here.
Under this new program, U.S. citizens born between January 1, 2025, and December 31, 2028, are eligible for a $1,000 federal seed deposit — giving every qualifying child a head start on long-term wealth building.
Here's what you need to know:
💰 $1,000 Federal Seed Deposit — available when parents or guardians make the required enrollment election
🏦 Funds are invested in broad U.S. equity index funds (think S&P 500)
🔒 Accounts remain locked until the child turns 18, then convert into a traditional IRA
📋 Enrollment is done via IRS Form 4547 or the official Trump Accounts portal
Bonus: Organizations like the Dell Foundation are stepping up with additional contributions — offering a $250 deposit for children age 10 or younger in lower-income ZIP codes (median income below $150,000).
This is a meaningful opportunity to set your child up for financial success before they even start school. If you have a qualifying child, it's worth exploring enrollment today.