Marketplace Morning Report What you need to know about those 'Trump Accounts'
Jan 29, 2026
Diane Swank, KPMG chief economist, gives quick analysis of the Fed’s rate pause and economic risks. Carla Javier, Marketplace reporter, breaks down the new $1,000 newborn investment accounts: eligibility, opt-in mechanics and how public/private contributions could stack. They also touch on Latino-owned business growth and broader economic tensions.
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Universal $1,000 For Newborns
- The federal government will credit $1,000 to every child born during 2025–2028, branded as 'Trump accounts'.
- Accounts are not automatic and require families to opt in via tax filing or a future portal, which may limit reach.
Opt-In Design Creates Enrollment Risk
- Opt-in design via tax returns and portals risks excluding lower-income families who don't file taxes or miss the outreach.
- Ray Bochera and Carla Javier warn this enrollment method could leave many eligible children without accounts.
Opt In To Ensure Your Child Gets Funds
- Do sign up for a Trump account when filing taxes or on the government portal to secure the $1,000 seed.
- Otherwise eligible children may miss out because accounts are not opened automatically.