Overview
- Michael and Susan Dell committed $6.25 billion to provide $250 deposits for roughly 25 million children, targeting ZIP codes with median household income at or below $150,000 and prioritizing those age 10 and under.
- The federal program provides a one‑time $1,000 Treasury deposit for children born from Jan. 1, 2025 through Dec. 31, 2028, with accounts generally locked until the beneficiary turns 18.
- Enrollment is expected to begin after July 4, 2026 via IRS Form 4547 or an online portal at TrumpAccounts.gov, with accounts opened for any child who has a Social Security number by an authorized adult.
- Funds must be invested in broad U.S. stock index funds rather than individual stocks, and at 18 beneficiaries may withdraw or convert balances to IRA‑style accounts subject to standard tax and early‑withdrawal rules.
- Treasury and the IRS have issued preliminary guidance and are accepting public comments through Feb. 20, 2026, as they select private financial agents; contribution limits reported include up to $5,000 annually from individuals and up to $2,500 from employers, with governments and nonprofits also able to contribute.