The "Trump Account" plan aims to provide $1,000 for newborns, investing in U.S. stocks to accumulate wealth. Based on the S&P index's average annual growth rate of 10.5%, this amount could grow to about $5,800 by the time the child is 18, and potentially reach about $600,000 by retirement; if families invest additionally each year, the account value could exceed $300,000 by age 18. The plan faces fairness concerns due to insufficient tax benefits and the possibility of excluding low-income families.