January 28, 2026
Treasury launches "Trump Accounts" giving $1,000 to every newborn American
600,000 families apply for stock accounts giving kids $1,000 from Treasury
🏛️Government💰Economy
The Treasury Department hosted a summit on Jan. 28, 2026, promoting Trump Accounts. President Trump and Treasury Secretary 
Scott Bessent spoke alongside CEOs and celebrities. Trump said, "For the first time ever, we are going to give every child a financial stake in their future."
Children born between Jan. 1, 2025, and Dec. 31, 2028, can receive a $1,000 contribution from the Treasury Department. The money is deposited into a stock market account invested in a U.S. equity index fund. There are no income requirements. Everyone is eligible.
Parents can contribute up to $5,000 per year until the child turns 18. Employers can contribute up to $2,500 as part of that limit. The accounts are similar to IRAs but specifically for children. Funds can be withdrawn at age 18 or rolled over into a retirement account.
Treasury Secretary Bessent announced 600,000 families have already applied. Parents can sign up using IRS Form 4547 when filing 2025 taxes or through the TrumpAccounts.gov portal when it opens in mid-2026. Contributions begin Jul. 4, 2026.
Major companies have pledged to match the $1,000 government contribution for employees' children. These include Charles Schwab, Robinhood, SoFi, Uber, Charter Communications, BNY, MasterCard, BlackRock, and Visa. Visa is creating a platform for credit card holders to contribute cash-back rewards.
The Michael and Susan Dell Foundation pledged $6.25 billion to provide $250 per account for the first 25 million children under 10 in ZIP codes with median incomes below $150,000. Ray Dalio pledged $75 million for 300,000 children in Connecticut.
The administration estimates a $1,000 deposit growing at the S&P 500's historical 10.5% annual return would reach $674,000 by retirement age. For families contributing the maximum $5,000 annually, accounts could reach $303,800 by age 18.
Federal programs historically don't carry presidential names. This is officially branded "Trump Accounts" on government websites and IRS forms. The program was authorized in Trump's signature tax legislation. Comments on proposed regulations are due Feb. 20, 2026.
🏛️Government💰Economy
People, bills, and sources
Scott Bessent
Treasury Secretary
Donald Trump
President of the United States
Michael Dell
Dell Technologies Founder, Dell Foundation
Ray Dalio
Bridgewater Associates Founder
What you can do
1
personal action
Sign up for a Trump Account if you have an eligible child
Children born 2025-2028 can receive the $1,000 Treasury contribution. Parents can sign up using IRS Form 4547 when filing taxes or through TrumpAccounts.gov.
2
personal action
Check if your employer offers matching contributions
Several major companies are matching the $1,000 government contribution for employees' children. Ask your HR department if your employer participates.
3
civic action
Submit comments on proposed regulations
The Treasury is accepting public comments on Trump Account regulations through Feb. 20, 2026. This is your opportunity to influence how the program works.