A New Government-Backed Account for Kids Just Launched—Here’s What to Know

March 1, 2026

Article by Wyatt Finnell

New Trump Accounts for Kids, Where do I start?

A new children’s investment account program associated with Donald Trump is now available through an IRS election process, giving families a structured way to begin investing for a child’s future from an early age.

Children born in the U.S, with a valid SSN, born between January 1st 2025 and December 31st 2028. Parents or guardians can open the account by submitting the required IRS form with their tax filing or enrolling through the program’s online portal. Once established, the federal government deposits $1,000 into the child’s account, which is then invested through one of the approved participating financial institutions and managed through an online client portal. The guardian maintains investment decision authority through the portal, can monitor performance, and can adjust allocations over time.

Families are also allowed to contribute up to $5,000 per year per child, and unlike a Roth IRA for minors, the child does not need earned income to receive contributions. When the child reaches age 18, the funds may be used for approved purposes such as qualified education expenses, a first home purchase, or starting a business, with distributions taxed at ordinary income rates.

 

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“This is more than an investment account, it’s a hands-on way to teach kids how money grows.”

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From a planning standpoint, this program can be valuable both for the immediate benefit of the $1,000 government seed contribution and as a long-term teaching tool. Parents and grandparents can direct portions of birthday money, holiday gifts, or allowances into the account and show children how investing works and how balances grow through compound interest.

Used this way, the account becomes more than just a savings vehicle, it becomes a hands-on financial education resource that helps kids understand saving, investing, and long-term planning well before adulthood.

Inspired and Grateful,
The JQFS Team

To find out more about it visit www.trumpaccounts.gov
All securities through Money Concepts Capital Corp. Member FINRA/SIPC JQ Financial Solutions, LLC is an independent firm and not affiliated with Money Concepts

 

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