Investment ‘Trump Accounts’: Who Qualifies and How You’ll Get It

Core Insights - The One Big Beautiful Bill Act (OBBBA) of 2025 introduced federally-backed savings and investment programs known as "Trump accounts" aimed at helping children start investing with government seed money [1] Group 1: Overview of Trump Accounts - Trump accounts are tax-advantaged investment accounts for children under 18, with an initial government deposit of $1,000 upon account opening [3] - The accounts allow additional contributions from various sources, including parents, grandparents, and employers, but are subject to federal limits [4] Group 2: Contribution Limits and Investment Rules - Total contributions to a Trump account are capped at $5,000 per child per year, with employers allowed to contribute up to $2,500 annually, which counts towards the $5,000 limit [7] - Contributions must be invested in low-cost index funds that track the S&P 500 or other American stock indices [5] Group 3: Eligibility Criteria - Parents or legal guardians can open Trump accounts for any U.S. child under 18, specifically targeting children born between January 1, 2025, and December 31, 2028, for the initial $1,000 deposit [6]