The policy
What's a Trump Account?
A tax-advantaged investment account for American children, created by the One Big Beautiful Bill Act (2025). The government puts in the first $1,000. Anyone can add more. It grows until the kid turns 18.
$1,000
Federal seed
Deposited by the Treasury for each US-citizen child born from Jan 1, 2025 to Dec 31, 2028.
$5,000
Yearly top-up limit
Family, friends and employers can contribute each year. Charities can fund whole groups of kids.
18 yrs
Locked until adulthood
No withdrawals before 18. Then it works like an IRA: education, a first home, a business.
US
Index funds only
Money goes into low-cost funds that track the US stock market. No crypto inside the account.
Summary for orientation, not legal advice. Check IRS and Treasury guidance for the current rules.