A Trump Account is a savings and investment account created for every child. It is owned in the child’s name and designed to help build wealth from an early age. Each account is funded with diversified investments in the U.S. stock market, such as S&P 500 index funds, which historically deliver strong long-term growth. The money inside the account grows tax-free, meaning all earnings are reinvested and compounded over time without taxes eating away at the balance.

Parents and families can add contributions of up to $5,000 per year, but no investing knowledge is needed—the account is professionally managed for you. Funds are locked until the child turns 18, ensuring the money is preserved and continues to grow throughout childhood. The goal is simple: to give every young American a real financial foundation for education, homeownership, retirement, and lifelong opportunity.

All American children under the age of 18 are eligible to open an Invest America Account. Parents or guardians can set up an account at any time to begin saving and investing on their child’s behalf. Families can contribute up to $5,000 per year, with the money invested in low-cost, diversified stock market funds that grow tax-free until the child reaches adulthood.

In addition, children born after December 31, 2024 will automatically receive a $1,000 contribution from the federal government when their account is opened. This seed money ensures that every child, regardless of family income, starts with a foundation of real savings that can grow over time.

Funds in an Invest America Account are locked until the child turns 18. This ensures the money is protected and has time to grow. Once the account holder becomes an adult, they can begin using the funds for important milestones in life. Qualified expenses include:

• Education – tuition, fees, and other costs for college or professional training.

• Homeownership – a down payment on a first home.

• Entrepreneurship – seed money to start a business.

Any money not used right away stays in the account, continuing to be invested and compounding over time. This creates both an immediate boost at age 18 and a lasting source of long-term financial security.

If you start with the $1,000 seed and contribute just $750 per year, and the account earns the historical 8% annual return of the stock market, that account could grow to more than $48,000 by the time your child turns 18. That’s not just a number on a statement—it represents a down payment on a first home, tuition at a state university, or startup capital to pursue a dream.

On top of that, if the account is left untouched and continues to compound, it can create a six-figure nest egg in their twenties or thirties, giving them a level of financial security that most young adults never experience. In short, opening an Invest America account is both an immediate opportunity and a generational investment—helping families break cycles of financial stress and creating a pathway to upward mobility.

Anyone can contribute to an Invest America Account—parents, grandparents, relatives, friends, and even employers. Each child can receive up to $5,000 in contributions per year, and the money grows tax-free until age 18. Contributions are flexible, so families can add small amounts over time or larger gifts all at once.

It’s also important to note that government contributions do not count toward the annual limit. Whether the funds come from Federal, State, Local, or Tribal programs, they are treated as additional support on top of the $5,000 families and others can provide. This means every child’s account can grow faster with combined family, community, and government investment.

Invest America Accounts are fully portable. This means you are never locked into a single provider. At any time, you can roll over the account to another approved financial institution without losing your money, your investment growth, or any of the benefits tied to the account.

Making a rollover is simple. Just log in to the official Treasury portal where you manage your account and use the rollover feature. The process is seamless, with your investments transferring directly to the new provider so your savings continue to grow without interruption.

Unlike College Savings Accounts, known as Section 529 Plans, Trump Accounts offer far more tax deductible contributions ranging from home ownership to business loans.

Additionally, Trump Accounts have lower fees and growing corporate matching campaigns. This enables much more giving from businesses & philanthropists compared to traditional 529 Plans.