特朗普第二个白宫任期的第一年见证了一场令人震惊的政策闪电战，扩大了总统权力，重塑了联邦官僚 机构和经济的部分内容，并重塑了美国与世界的关系。 但过去11个月最显著的特征之一，是特朗普在将自己的名字印在建筑物和政府项目上所投入的精力与关 注。 作为一名纽约商人，特朗普曾把自己的名字印在房地产、高尔夫球场、伏特加、牛排、瓶装水和自己的 大学上。作为总统，他正在将个人品牌与国家机构和政府项目合并，这是现任美国总统非同寻常的权力 行使方式。 自今年1月重返白宫以来，这位共和党总统已将其名字冠于华盛顿的著名建筑、计划中的海军军舰、针 对富裕外国人的签证项目、政府运营的处方药网站以及联邦儿童储蓄账户。 一些历史学家认为这是特朗普建立表面政治遗产的努力，可能经不起时间的考验。针对将华盛顿首屈一 指的表演场馆更名为"唐纳德·J·特朗普和约翰·F·肯尼迪纪念表演艺术中心"的反对声浪已经开始，几场演 出因抗议而取消。 "我不认为命名或更名能保证特朗普的名字会千秋万代地附着在这些东西上，"阿默斯特学院法学和政治 学教授Austin Sarat说，他质疑如果民主党重新掌权，特朗普的名字是否会保留。 白宫发言人Elizabeth Hu ...

来源：智通财经 全球首富埃隆·马斯克周三表示，虽然将于明年推出的"特朗普账户"是一项令人称道的举措，但他认 为，在未来"全民高收入"将成为主流的情况下，存钱将变得不再有必要。 马斯克是在回复桥水基金创始人、投资大师雷·达里奥的帖子时作出这一表态的。达里奥在X帖中宣布， 他将跟随迈克尔和苏珊·戴尔夫妇，为 "特朗普账户" 捐赠启动资金。 "特朗普账户"是依据《大而美法案》为美国新生儿及青少年群体设立的新型储蓄与投资账户。本月初， 在白宫的一场活动上，美国总统特朗普宣布，旨在帮助美国儿童建立财富的 "特朗普账户"将于2026年7 月4日起可用。 在同一活动中，戴尔夫妇宣布捐赠62.5亿美元助力该账户落地，为2500万名符合条件的儿童的账户注入 初始资金。 "戴尔夫妇的举动无疑是善举，但未来将不再有贫困，因此存钱也会失去意义。届时，全民 高收入时代终将到来。"马斯克在其社交平台X上发文称。 马斯克曾在多个场合表示，他认为人工智能（AI）和机器人技术将消除贫困和工作必要，创造普遍的 高收入水平。 马斯克还指出，从长远来看，"人们做的任何工作都将成为可选项"，工作本质上就像一种爱好。 马斯克还对AI和机器人技术的变革性 ...

Core Viewpoint - The U.S. Treasury Secretary has reiterated the vision of the "Trump Account" plan aimed at increasing stock ownership among Americans, with a goal to reduce the 38% of Americans who currently do not own any stocks to zero [1][2]. Group 1: Plan Overview - The "Trump Account" is part of the "Big Beautiful Plan" and aims to reshape American households' balance sheets through government funding and compounding effects [1]. - The plan will automatically deposit $1,000 for eligible newborns, which could grow significantly by retirement age, potentially reaching around $600,000 based on a 10.5% annual growth rate of the S&P 500 [1][3]. - The plan is designed to supplement the social security system, allowing more Americans to participate in the distribution of corporate value creation [2]. Group 2: Financial Projections - Without additional contributions, the initial $1,000 could grow to $5,800 in 18 years and $18,100 in 28 years [3]. - If families contribute an additional $250 annually, the account value at adulthood could reach approximately $20,700, while maximum contributions of $5,000 per year could lead to over $300,000 by age 18 [3]. Group 3: Funding Sources - The plan features a diverse funding structure, allowing contributions from federal funds, businesses, philanthropists, and state governments [4]. - For children not qualifying for the $1,000 seed funding, additional support of $250 will be provided for those in households earning below $150,000, funded by notable philanthropists [4]. Group 4: Implementation Timeline - The plan is expected to officially open for contributions after July 4, 2026, with parents required to register through a specific form or website [5]. Group 5: Criticism and Concerns - Critics argue that the tax incentives are insufficient, as funds are sourced from after-tax income and may not provide better tax treatment than traditional brokerage accounts [6]. - There are concerns that the opt-in registration mechanism may exclude low-income families who do not file taxes, undermining the goal of reducing wealth inequality [6]. Group 6: Ideological Intent - The plan aims to cultivate a new generation of "capitalists" by enabling young people to experience the investment system firsthand, potentially leading to a more favorable view of capital markets [7]. - Financial services are closely monitoring the plan's implementation, particularly regarding the selection of private institutions to manage the funds, which could impact market dynamics [2][7]. Group 7: Corporate Interest - Companies like Uber, Dell, and Charter Communications have expressed interest in contributing to employee children's accounts, indicating corporate support for the initiative [8].

美国财长贝森特周日表示，不会限制儿童如何使用"特朗普账户"。他表示："从本质上讲，这是一个 信 托基金。这对每个孩子来说都是美国经济的一部分，他们可以在18岁时把它拿出来，或者把它转换成更 像个人退休 保险的项目，留到退休后再用。"根据特朗普的《美丽大法案》，符合条件的儿童和新生儿 将于明年获得"特朗普账户"账户，父母或监护人可以从2026年7月4日开始向账户注资。财政部还将向 2025年1月1日至2028年12月31日之间出生的孩子的账户一次性存入1000美元。随着孩子的成长，这些账 户将被投资于股市，其待遇与个人退休账户（IRA）类似。"这将吸引一大批新投资者进入市场，"贝森 特补充道。"我们将把它与大量的金融知识结合起来，这样孩子们就能明白他们拥有什么。"（格隆汇） ...

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]

Group 1 - The Trump Account initiative aims to establish a $1,000 account for every child born in the U.S. between January 1, 2025, and January 1, 2029, funded by the U.S. Treasury as part of a larger legislative proposal [1] - The government is projected to invest approximately $3.6 billion annually based on an estimated 3.6 million births in 2023, with each child receiving an initial balance of $1,000 [2] - The account allows for additional contributions of up to $5,000 per year from families and third parties, with specific withdrawal rules at ages 18, 25, and 30 for various purposes [1] Group 2 - Financial advisors express concerns that the investment incentives of the Trump Account may not be optimal compared to existing programs like the 529 college savings plan, which offers more substantial tax benefits [3] - Comparatively, Colorado's 529 plan provides an initial $100 contribution and additional funding over five years, totaling up to $2,600, highlighting the limited generosity of the Trump Account's initial funding [4] - Corporations like Dell Technologies, Uber, and Goldman Sachs have shown support for the Trump Account initiative, with Dell committing to match the government's initial funding for their employees' newborns [4][5]