特朗普政府推出“特朗普账户”, 给每个2025-2028年出生的孩子1 000美元的存款, 投资在18岁时增至50 000美元。 The Trump administration launched "Trump Accounts," giving every child born 2025–2028 a $1,000 deposit, with investments growing to $50,000 by age 18.

特朗普政府推出了“特朗普账户”,这是一个联邦方案,向在2025年1月1日至2028年12月31日之间出生的每个孩子提供1 000美元的一次性存款,没有收入要求。 The Trump administration has launched "Trump Accounts," a federal program providing a $1,000 one-time deposit to every child born between January 1, 2025, and December 31, 2028, with no income requirements. 家庭每年可缴纳5 000美元,雇主每年可缴纳2 500美元。 Families can contribute up to $5,000 annually, and employers may add up to $2,500 per year. 资金投资于税收推迟的美国股票指数基金,预测表明,在18岁之前,余额可能达到50 000美元,在有利增长的情况下退休后超过100万美元。 Funds are invested in tax-deferred U.S. stock index funds, with projections suggesting balances could reach $50,000 by age 18 and exceed $1 million by retirement under favorable growth. 18岁时,教育、购房或开办企业的账户可以进入。 Accounts become accessible at age 18 for education, home purchases, or starting a business. 60多万个家庭已使用IRS表4547提出申请,账户启动时间从2026年5月开始。 Over 600,000 families have applied using IRS Form 4547, with account activation beginning in May 2026. 该倡议得到大公司和公众人物的支持,旨在促进财富建设和金融知识普及,尽管批评者警告说债务会增加,并质疑其长期的财政可持续性。 The initiative, backed by major corporations and public figures, aims to promote wealth-building and financial literacy, though critics warn of rising debt and question its long-term fiscal sustainability.