Group 1 - The Trump Accounts initiative aims to establish tax-deferred investment accounts for all newborn American children, funded by the government with an initial deposit of $1,000 and allowing additional contributions of up to $5,000 annually [1][3] - The funds will be invested in an index fund tracking the overall U.S. stock market, with strict withdrawal rules: 50% can be accessed at age 18, full access for education or entrepreneurship at age 25, and complete access at age 30 [1][3] - The program is expected to cost the government approximately $3.6 billion annually, based on an estimated 3.6 million births per year [3] Group 2 - Major companies like Dell Technologies, Uber, and Goldman Sachs have expressed support for the Trump Accounts, with Dell committing to match the government's initial funding for its employees' newborns [2] - The initiative is part of a broader tax reform plan that includes significant tax cuts and increased child tax credits, which proponents argue will positively impact working-class and middle-class families [2] Group 3 - Critics argue that the Trump Accounts lack attractiveness for guardians due to limited tax benefits compared to existing savings plans like the 529 college savings plan, which offers more generous contributions [4] - Financial experts express concerns about the long-term viability of the Trump Accounts as a savings tool, suggesting that the initial government funding may not be sufficient for future educational or housing expenses [4]

当地时间周一（6月9日），美国总统特朗普在白宫主持了一场圆桌会议，宣传其政策法案中的一项重 要内容——为所有新生的美国儿童设立延税投资账户。 具体来看，政府出资的1000美元将存入一个与整个股票市场挂钩的指数基金，由孩子的法定监护人管 理。每个孩子的账户起始金额为1000美元，监护人或其他私人实体可在孩子的整个生命周期内每年额 外缴款最多5000美元。 这些资金将投资于跟踪美国股市大盘的指数基金。 资金的使用受到严格限制，具体规定：18岁时，可提取50%余额；25岁时，可全额用于创业或教育； 30岁时才可自由支配全部资金。 根据计划细则，政府将为2025年1月1日至2029年1月1日期间出生的所有美国公民子女设立这一账 户，将其称为"特朗普账户"（Trump Accounts）。 ...