Rogers, Arkansas | June 29th, 2026
A Trump Account is a specialized investment account designed for American children under the age of 18, functioning essentially as a "starter IRA" managed by a parent or guardian. While the account is registered under the management of an adult custodian, the child legally owns the account assets. To promote steady and secure long-term wealth accumulation, the portfolio mandate dictates that all funds must be allocated exclusively into low-cost, broad-market U.S. equity index funds or ETFs possessing an expense ratio of ≤0.10% until the beneficiary reaches adulthood at age 18.
Key Features at a Glance
Eligibility: U.S. citizen under 18 years of age possessing a valid Social Security Number (SSN).
Government Seed: A one-time $1,000 federal deposit allocated to eligible children born between the years 2025 and 2028.
Family and Friends Limit: Contributions up to $5,000 per year are permitted. Critically, no earned income is required for the child.
Employer Match: Sponsoring employers can contribute up to $2,500 per year per child via pre-tax payroll deductions.
Investments Allowed: Restricted strictly to broad-market U.S. equity index funds or ETFs with an expense ratio of ≤0.10%.
Withdrawals: Under current program rules, no distributions are permitted before age 18. At age 18, the structure converts into a traditional IRA.
Taxation Rules: Generally taxed as ordinary income under current IRS guidance: government seed, employer match, charitable contributions, and all investment growth. Principal contributions made by family and friends are tax-free.
Account Platform: Launches initially on a centralized federal platform, with future provisions allowing rollovers to private brokerages.
Program Start Date: Platform open for active funding on July 4th, 2026.
Frequently Asked Questions
"How do I claim the $1,000 government seed?" Parents or guardians can claim the seed funding for qualifying children (born 2025–2028) by filing IRS Form 4547 alongside their tax return or by registering directly online at trumpaccounts.gov.
"How are these accounts taxed?" Contributions from family and friends can be withdrawn tax-free. However, the initial government seed, employer matches, and all accumulated capital growth are subject to ordinary income tax upon withdrawal.
"What are the withdrawal rules?" Funds are strictly locked and cannot be withdrawn prior to the beneficiary turning 18 years of age. Upon reaching age 18, the account converts to a traditional IRA and becomes subject to standard IRA withdrawal regulations.
"How do employer contributions work?" Employers can facilitate contributions directly through payroll up to $2,500 annually per child. These contributions are structured so that they are not considered taxable income to either the parent or the child at the time of deposit.
"What investments are permitted?" To maintain a low-risk profile, capital can only be deployed into broad-market U.S. equity index funds and ETFs. Explicitly prohibited assets include leveraged funds, individual options, and high-risk speculative vehicles.
"How and when can I open an account?" The program officially accepts registrations starting July 4th, 2026. Enrollment can be initiated by filling out IRS Form 4547 with your annual tax disclosure or directly via the web portal at trumpaccounts.gov.
See TrumpAccounts.gov for full eligibility requirements and limitations. Investments Involve Market Risk | Based on Current Program Rules | Rules Subject to Change | disclosures.mach1fg.com