Build long-term financial security for American children.
What it does
Processes IRS Form 4547 elections to open secure custodial investment accounts for eligible children under 18.
Automatically channels contributions into qualifying low-cost broad-market U.S. equity index funds and ETFs.
Tracks real-time balances, portfolio growth performance, and historical contribution logs via mobile and web apps.
Facilitates secure recurring deposits from parents, family members, employers, and approved charitable organizations.
Why it works
Provides a direct government-backed financial jump-start with an initial Treasury contribution for eligible newborns.
Operates under federal traditional IRA structures with low expense ratio caps to protect asset growth.
Integrates interactive educational modules directly into the account management experience for families.
Enables third-party contributions from employers and external donors alongside family funding.
Build long-term financial security for American children.
Overview
Trump Accounts is an official federal investment platform administered by the U.S. Department of the Treasury to establish tax-advantaged accounts for children. The platform enables parents and legal guardians to manage custodial accounts, track investment performance, and make recurring contributions. Eligible children born between 2025 and 2028 qualify for a one-time initial contribution from the U.S. Treasury, fostering early equity ownership and lifelong financial literacy.
Founded year:2026
Founder:U.S. Department of the Treasury
Team size:100+
Popularity:Millions of enrolled American families
HQ:Washington, District of Columbia, United States
Integrations:IRS Portal, Robinhood Securities, U.S. Department of the Treasury, Major Bank Accounts
What it does
Processes IRS Form 4547 elections to open secure custodial investment accounts for eligible children under 18.
Automatically channels contributions into qualifying low-cost broad-market U.S. equity index funds and ETFs.
Tracks real-time balances, portfolio growth performance, and historical contribution logs via mobile and web apps.
Facilitates secure recurring deposits from parents, family members, employers, and approved charitable organizations.
Who it's for
Parents and Legal Guardians
U.S
Children and Beneficiaries
Employers and Corporate Partners
Philanthropic Organizations
Why it works
Provides a direct government-backed financial jump-start with an initial Treasury contribution for eligible newborns.
Operates under federal traditional IRA structures with low expense ratio caps to protect asset growth.
Integrates interactive educational modules directly into the account management experience for families.
Enables third-party contributions from employers and external donors alongside family funding.
Founder story
Trump Accounts were authorized under federal legislation and developed by the U.S. Department of the Treasury in collaboration with the White House National Design Studio and financial agent partner Robinhood Securities. The initiative was established to bridge equity ownership gaps and help younger generations build long-term wealth starting from early childhood.
Alternatives
Comparison overview
Traditional custodial accounts like UGMA/UTMAs or 529 plans carry specific restrictions and lack federal seed contributions.
Trump Accounts operate as specialized custodial traditional IRAs featuring automated broad-market equity investments and a direct U.S. Treasury opening deposit.