Trump accounts get supercharged by employer matches

January 25, 2026

TL;DR

Parents can open "Trump accounts" (Section 530a accounts) for children to encourage early wealth building.
Babies born in 2025-2028 may receive a one-time $1,000 contribution from the Department of the Treasury.
Many employers will match the federal $1,000 contribution for employees' children.
Tech CEO Michael Dell and wife have pledged $6.25 billion for a $250 contribution to children 10 and under, born before Jan. 1, 2025.
Additional donations may be available in Connecticut and other states through a "50-state challenge," with certain ZIP code income criteria.
The account requires filling out IRS Form 4547, which can be filed with the 2025 tax return or later via Trumpaccounts.gov.
Annual contributions up to $5,000 can be made by parents/guardians, with employers able to contribute up to $2,500 tax-free per worker annually.
Charitable organizations and governments can also contribute without affecting the $5,000 limit.
Experts suggest these accounts could grow significantly over 18 years with consistent contributions and returns.
Families are encouraged to take advantage of "free money" and consider other investment options like 529 plans.

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