Dear America,

Trump Accounts are long-term investment accounts for children. Employers can contribute to these accounts as part of an employee benefits program, helping employees build savings for their children that grow over time and support future education, training, or other adult milestones.

Employers can make contributions directly into eligible children’s Trump Accounts through a Treasury-facilitated process. Contributions are tied to account activation and flow automatically once an account is opened. Consult your benefits provider to determine the best approach for your business.

Traditional philanthropy often funds services that are spent once. Investment accounts convert charitable dollars into assets that grow over time. This shifts philanthropy from consumption to ownership, allowing children and families to build on an initial investment into a growing asset.

Employers can contribute up to $2,500 per employee per year to a child’s Trump Account. This amount counts toward the $5,000 annual limit on total private contributions for each child. Federal government contributions do not count toward this cap.

No. Employees do not pay fees to open or maintain a Trump Account, and they are not charged transaction or management fees. Employer contributions are deposited at no cost to the family.

By law, charitable contributions must be made to defined groups rather than individual households. Geographic criteria such as ZIP codes and age groups are used as objective, lawful proxies to reach large groups of children, typically at least 5,000 at a time.

You have three ways to sign up:

• When you file your taxes, or
• By printing and mailing in the IRS Form 4547 to the IRS, or
• Later through an online portal that will open in summer 2026.

Public policy establishes the account infrastructure, while philanthropy accelerates adoption and participation. This combination allows private capital to amplify government action, moving faster and reaching more families than either could alone.

You can sign up now when you file your federal taxes using the newly created IRS Form 4547. Many popular tax filing services are expected to include Trump Account sign-ups directly in their tax-filing process, making it easier to complete while you file. You can also print and mail in the IRS Form 4547 if you prefer not to complete this step during tax filing.

When families know funds are already available, they are far more likely to open and activate accounts. Early contributions create momentum, increase participation, and ensure that more children actually benefit from the policy.

No problem. If you prefer to not sign up during tax filing, you can print and mail in the IRS Form 4547. An online sign-up portal will also be available starting in July 2026.

Philanthropists can contribute to accounts in specific geographies, age cohorts, or states. Beyond funding, they can layer incentives such as matching contributions, bonuses tied to milestones, or support for account activation and engagement.

They are long-term investment accounts the U.S. Treasury starts for every child at birth. Each account, known as a Trump Account, begins with a public contribution and can grow over time with added contributions from friends, family, employers, and charitable organizations, plus market growth. The money is managed for you and can’t be taken out early, so it stays invested as the child grows up. By the time they turn 18, it gives young people a real financial head start as they make big life decisions.

All U.S. children under age 18 with a valid Social Security Number are eligible to establish a Trump Account.

Anyone can contribute to an account. Parents, family, and friends can add up to $5,000 per year to a child’s account. Employers can contribute up to $2,500 per year, and that amount counts toward the $5,000 annual limit. Donors, as well as state and local governments, can also contribute to these accounts. Their contributions are meant to add extra support and don’t count against the annual limit.

Parents and guardians can elect to open Trump Accounts for their eligible children.

No. While capital is foundational, the accounts also serve as platforms for learning. As balances grow, families engage more naturally with financial concepts, creating opportunities to connect assets with financial education, workforce preparation, or postsecondary planning.

Yes! Trump Accounts are designed to both provide a starting point for savings and to complement your other savings options.

Trump Account contributions complement existing benefits. While retirement plans support employees’ futures, Trump Accounts help employees invest early in their children’s futures, strengthening long-term financial stability for families.

The long-term opportunity is a shared, national infrastructure that multiple philanthropic actors can build on. Over time, this can align capital, education, and engagement around a single child-centered asset, strengthening families and expanding economic mobility at scale.

Your child’s money is invested in funds that include shares of many of America’s top companies, so it can grow as those companies grow over time.

Funds in a Trump Account are locked until the child turns 18. This protects the savings and gives it time to grow.

Once the account holder becomes an adult, they can use the money without penalty for major life milestones, including:

• Education: tuition, fees, and other costs for college or job training
• Homeownership: a down payment on a first home
• Entrepreneurship: seed money to start a business

Any money not used stays in the account and continues to be invested and grow over time, providing both an early boost at age 18 and long-term financial security later in life.

Early investment matters because money grows with time through compound growth. That means the money earned from investments starts earning money too, so the longer it stays invested, the more it grows. Research also shows that having assets early in life is linked to better education, stronger money habits, and better choices in adulthood.

No. It is free to open and keep a Trump Account. Families do not pay fees to open the account, receive money, or have the money invested. All contributions go into the account at no cost to parents.