FAQs

All American children under the age of 18 are eligible to open an account.

In addition, children born after December 31, 2024, will receive a $1,000 government seed contribution at account opening.

It’s a child-owned savings and investment account, funded with diversified stock market investments (such as S&P 500 index funds). The account grows tax-free and is managed for you—no investing experience required.

Children born after December 31, 2024, will start with $1,000 from the Federal government.

If you start with the $1,000 seed and contribute $750 per year, and the account earns the historical 8% annual return of the stock market, the account could be worth over $48,000 by age 18. This can be a powerful tool to build long-term opportunities for your child.

Anyone. Parents, family, friends, and employers can contribute up to $5,000 per year per child.

All contributions from governments (Federal, state, local and Tribal) are not included in your annual cap.

Funds are locked until the child turns 18 years old. At that point, the money can be withdrawn for qualified expenses such as college tuition, professional training, first-time home purchases, and starting a business. The remainder stays invested, with the ability to continue to grow.

The Federal government is beginning the implementation process and will finalize the exact process soon; the stated objective is to make the process as easy (and perhaps even automatic) as possible.

No. The account is fully managed and invested in a diversified U.S. stock market fund. There is no need to pick stocks, time the market, or make investing decisions. It’s designed to grow steadily, hands-free tracking the performance of the American stock market.

Invest America accounts have the ability to give your child a real financial head start—regardless of income. This is not a handout; this is a national opportunity for every child to own a stake in America’s future.

Not signing up means leaving free money and years of potential growth on the table.

It’s a modern, digital investment account in your child’s name. You’ll be able to log in, check the balance, track investment growth, and make contributions—just like a savings account, but with the power and potential of long-term investing.

No problem. The accounts are intended to be fully portable—you will be able to roll over your account to a different approved financial institution at any time without losing your investment or benefits.