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Invest America (or "Trump Accounts") is a federal initiative launching in 2026 that provides a $1,000 U.S. Treasury-seeded investment account for every American child born between 2025 and 2028 with a Social Security number. Designed to promote long-term wealth building, these accounts allow up to $5,000 in annual private contributions, are invested in low-cost index funds, and aim to grow significantly by age 18.
Key details of the Invest America program include:
Funding & Growth: The initial $1,000 is intended to grow through compound interest over 18 years, with potential foradditional contributions from parents, family, and employers.
Account Structure: Funds are invested in broad, low-cost funds (e.g., S&P 500), growing tax-deferred.
Eligibility & Signup: Children born 2025–2028 with a Social Security number are eligible. Signup options include tax filings, Form 4547, or an online portal launching in summer 2026.
Usage: The program aims to provide a financial head start for young people, with funds accessible after age 18, taxed at capital gains rates.
Purpose: The initiative seeks to address wealth inequality, promote financial literacy, and give all children a stake in the American economy.
The program has been referred to as "Trump Accounts".
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