02/25/2026
The government is giving your kids free money!
Trump Accounts are new tax-advantaged investment accounts for children under 18. Here's what you need to know:
$1,000 one-time deposit for kids born Jan 1, 2025 - Dec 31,
2028
- $250 bonus for kids age 10 and under in zip codes with median household income under $150K
How it works:
- Invested in low-cost U.S. stock index funds
Family, friends & employers can contribute up to $5,000/
year
No withdrawals until age 18, then it converts to a traditional
IRA
⢠Grows tax-deferred
The math: If you open it at birth and max it out annually, you'd put in $90K total - growing to~$202K by age 18. Leave it untouched and it could be worth $7.5M by retirement.
How to open one:
File IRS Form 4547 with your 2025 tax return (easiest way
to start now
Or wait for the online portal at trumpaccounts.gov launching
mid-2026
Actual contributions don't begin until July 5, 2026, but file the form now.
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