“Trump Accounts”: $1,000 investment accounts to every baby born in the U.S.

A new tax proposal introduced by former President Donald Trump has once again put the spotlight on the power of long-term investments as a tool to build wealth from early in life. The plan proposes giving $1,000 investment accounts to every baby born in the U.S. between 2025 and 2029, aiming to promote saving with tax benefits and prepare the next generation for financial success.

How Would the “Trump Accounts” Work?

The program proposes that each child born in the U.S. receive a stock market–indexed investment account with an initial $1,000 deposit from the federal government. Parents or legal guardians would be allowed to contribute up to $5,000 annually. The accounts would be managed by the guardians until the child turns 18, when the funds could be withdrawn for specific purposes such as:

• Paying for college or technical training

• Starting a small business

• Making a down payment on a first home

• 
  

Withdrawals for eligible purposes would be taxed as long-term capital gains, which carry lower tax rates. If the funds are used for anything else, they would be taxed as ordinary income.

A Long-Term Vision... With Limitations

Beyond its political implications, this initiative underscores a powerful financial truth: early and sustained investment can change the trajectory of a person’s financial life.

However, it also highlights a concerning issue: only children with at least one parent holding a valid Social Security number would be eligible—excluding many U.S.-born children of immigrant parents. This raises questions about equal access to financial tools and opportunities.

What Can We Learn From This Model?

The fact that a major national policy proposal is based on market-indexed investment accounts sends a clear message: diversified, long-term investing is essential to building real wealth. It's not just about saving—it's about making your money work in markets that generate growth.

If the U.S. government is planning to institutionalize this approach, it’s time to ask yourself: why not do the same with your own capital—starting today?

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