Rules
- US citizen children born 2025–2028 get a one-time $1,000 Treasury deposit (election required).
- Contributions from July 4, 2026: up to $5,000 a year from family (indexed after 2027), employers up to $2,500 (counted in the $5,000).
- Invested in low-cost US equity index funds; withdrawals not allowed before age 18, then treated like a traditional IRA.
FAQ
Who gets the $1,000?
Children who are US citizens with an SSN, born from Jan 1, 2025 through Dec 31, 2028.
Sources (checked Nov 6, 2026): P.L. 119-21 sec. 70204 (Trump accounts); IRS Form 4547 election and Treasury guidance.