Michael and Susan Dell of Dell Computers have contributed $6.25 billion dollars to a child investment program set to launch 7/4/2026. A Trump Account is an investment account for children under 18. All children (if U.S. Citizens and registered for an account) born between 1/1/2025 and 12/31/2028, will receive $1,000 from the U.S. Treasury Department to kick-start their accounts. This program was created under the “One Big Beautiful Bill Act” and was signed into law on 7/4/2025.
Who can contribute?
Parents, guardians, friends and companies can all add money to a child’s trump account.
How much can I contribute?
$5000/year with a maximum of $2500 coming from an employer.
What type of account is this?
A Trump account is a type of traditional IRA meaning future distributions will likely be taxable.
How is the account managed?
Similar to a retirement account, funds in a Trump Account will be invested and grow over time. A financial firm will hold the account and manage investments, much like a 401(k) or IRA.
How can the funds be used?
The money cannot be withdrawn from Trump Accounts until account holders reach 18 years old. The child then receives control of the account and can start using the money for certain expenses like education, first home purchase, or starting a business.
How do I apply or get more information?
Trumpaccounts.gov
This material is compiled from sources SST believes to be reliable. The possibility of error does exist. The material is intended only as educational and may omit information on exceptions, qualifications, definitions, and effective dates. The reader should not rely solely on this material but should review original sources to determine the law and applicability for each situation. Neither the author nor Solid State Tax Service, LLC will be responsible for any error, omission, or inaccuracy under any circumstance.