American children have investment accounts from birth: starting with a million at 18
This is not science fiction, but a recently implemented reality policy sensation. On December 2, President Trump officially announced the launch of 'Trump Accounts' at the White House as part of his Working Families Tax Cuts Act.
This innovative children's IRA (Individual Retirement Account) is open to all children in the United States under the age of 18, but particularly offers additional benefits for babies born between 2025 and 2028: the U.S. Treasury will make a one-time deposit of $1,000 to help them start accumulating wealth from infancy.
Even more exciting is that on the same day, Dell Technologies founder Michael Dell and his wife quickly responded by announcing a record donation of $625 million (approximately 4.4 billion RMB), which will be directly injected into the accounts of 25 million American children, providing each with an additional $250 in seed funding. This massive charity— the largest direct donation benefiting American children in history— will prioritize children under 10 living in low- to middle-income zip code areas (with a median income below $150,000), reaching as high as 80%.
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