Overview
- Michael and Susan Dell will add $250 to each of 25 million Invest America accounts for children in ZIP codes with median income at or below $150,000.
- The pledge extends coverage to older cohorts born up to a decade before the federal baseline, focusing chiefly on children age 10 and under.
- Treasury will provide a one-time $1,000 seed deposit for eligible births from 2025 through 2028 after accounts begin opening in mid-2026.
- Parents are slated to start opening accounts on July 4, 2026, with funds confined to low-cost broad U.S. index investments and withdrawals generally restricted until age 18.
- IRS guidance is preliminary and open for public comment through Feb. 20, 2026, with current caps of $5,000 in annual individual contributions and up to $2,500 from participating employers.