Overview

• H.R.1 establishes universal equity-only investment accounts seeded with $1,000 for every U.S. child born from 2025 through 2028, with withdrawals permitted after age 18 for education, home purchases or retirement.
• Treasury Office of Tax Analysis estimates the $1,000 seed could compound to between $3,000 and $13,800 by age 18 without further deposits, and to $191,500–$676,400 with annual maximum contributions through age 17.
• Forecasts show fully funded accounts left to grow could reach about $1.9 million by age 28 and approach $7 million by retirement, assuming a 7 percent average annual return.
• Treasury and the IRS are finalizing enrollment procedures and investment guidelines this summer to launch the program in July 2026 with funds directed into broad-based U.S. stock funds.
• Experts warn the initiative’s long-term impact hinges on active family and employer contributions and effective public education to ensure equitable participation.