Start Here ‘Trump Accounts’ Are About to Open. What Are They?
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Dec 30, 2025 In this discussion, Elizabeth Schulze, an economics reporter for ABC News, unpacks the new 'Trump Accounts'—tax-advantaged investment accounts for newborns funded with a seed contribution. She explores their origins and compares them to prior concepts like baby bonds. Elizabeth explains eligibility and contribution limits, alongside potential growth projected from historical market returns. She also addresses risks and the ongoing K-shaped economy, emphasizing that while these accounts could provide support, they won't fully tackle wage inequality.
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What Trump Accounts Actually Are
- Trump accounts are new, government-created tax-advantaged investment accounts for children that aim to grow over time.
- The program seeds accounts at birth and encourages early investing to share stock-market gains broadly.
Sign Up To Receive The $1,000 Seed
- If your child is age 18 or younger, you must actively sign up to open a Trump account through the Treasury portal.
- Expect a $1,000 government deposit for newborns born 1/1/2026–12/31/2028 to appear on July 4, 2026, if you enroll.
Locked Until Adulthood
- Money in Trump accounts must stay invested until the child turns 18 and will initially sit in a Treasury-opened fund.
- The administration says transfers to private financial institutions may be allowed later, but details and providers are not yet released.