Investing in Kids and Country

Yet another Trump innovation that will be paying off long after he leaves office. 

Clarice Feldman | July 12, 2026

The Fourth of July was not only a day to celebrate our country’s independence. It marks the date of a new kind of investment account for children of citizens who are under 18 and who have Social Security account numbers. The Trump Accounts (530A accounts) are a brilliant idea. Often compared to “starter IRA accounts,” the children are the owners of the accounts, which are to be managed by a responsible adult -- guardian or parent. Funds in these accounts must be conservatively invested in U.S. stock index funds. Fund fees must be low -- no more than 0.1%. Contributions are not deductible, but growth of the accounts is tax-deferred. Except for rare cases, like the death of the beneficiary, the funds cannot be withdrawn until the child reaches 18, at which point they are taxed as ordinary income at the........

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