The Trump Accounts program is a federally regulated, tax-advantaged investment account designed to help American children build long-term equity from an early age. Launched as part of the broader Invest America initiative, this innovative program combines government seed funding with family contributions and employer benefits to create a comprehensive savings vehicles for the next generation.
Our mission is to empower families with educational resources and tools to understand and maximize the benefits of Trump Accounts. We believe that early investment and financial literacy are key to building wealth and opportunity for all American children, regardless of their background.
During this phase, the account is managed by an authorized individual (parent, legal guardian, or state foster agency). Investment options are restricted to low-cost index funds to protect the principal and ensure steady, diversified growth. All contributions are invested for long-term gain.
On the child's 18th birthday, the account automatically converts to a Traditional IRA, and full ownership transfers to the young adult. This marks the end of the Growth Period and the beginning of the Mature Period.
Once the account converts, the account holder gains financial independence and can make their own investment and withdrawal decisions. They can withdraw funds penalty-free for three qualified uses: higher education, first-time homeownership, or entrepreneurship. Funds not used for these purposes remain invested in the IRA with standard IRA withdrawal rules applying.
Financial security in retirement begins with early savings. By establishing investment accounts for children during their formative years, families can benefit from decades of compound growth. The Trump Accounts program removes barriers to entry through government seed funding while maintaining investment safety through guardrails and fee restrictions.
This informational website serves as a comprehensive resource for understanding the Trump Accounts program. We provide:
This website is provided for informational purposes only. While we strive to provide accurate and up-to-date information about the Trump Accounts program, this information should not be construed as legal or financial advice. Please consult with qualified legal and financial professionals before making investment decisions. The information on this site is based on publicly available program specifications as of June 2026.
For official program information and account opening, please contact the appropriate federal agency or visit the official Invest America website.