01/07/2026
Trump Accounts Available Through the U.S. Treasury (Starting July 2026)
Beginning July 2026, families will be able to open and fund Trump accounts through the U.S. Treasury. These accounts are designed as starter IRAs for children, with special rules that apply until the child reaches age 18.
Key Features of Trump Accounts
Available for children under age 18
Nondeductible contributions of up to $5,000 per year
Contributions:
Do not require taxable compensation
Do not count toward normal IRA contribution limits
Limited investment options
No distributions allowed until age 18
Federal “Starter” Contribution
Children born between 2025 and 2028 will receive a one-time $1,000 contribution from the federal government once an account is opened.
This contribution does not count toward the annual contribution limit
Funds grow tax-deferred inside the account
Actions to Consider Now
👶 If your child was born in 2025 or 2026
Be sure to open a Trump account once available to ensure eligibility for the free $1,000 federal contribution
💰 For any child under age 18
You may want to consider contributing if:
You are already on track for your own retirement
You want to help fund a child’s or grandchild’s long-term retirement
The child:
Has no taxable compensation, or
Is already maxing out a traditional or Roth IRA
Why This Matters
Trump accounts offer a unique opportunity to:
Start retirement savings decades earlier
Take advantage of long-term compounding
Provide a retirement benefit even when a child has no earned income
For families focused on generational planning, this can be a powerful way to give children and grandchildren a meaningful head start.