US EditionTrump Accounts: Which American Children Are Eligible for the Investment Program Michael Dell Poured $6.25 Billion Into
Michael and Susan Dell donated $6.25 billion to fund accounts for 25 million children in eligible ZIP codes, supplementing the federal $1,000 baseline for newborns from 2025 to 2028.
- On Feb. 24, President Donald Trump introduced Trump Accounts and highlighted Michael and Susan Dell, philanthropists, who pledged $6.25 billion for 25 million children.
- Congress enacted the accounts through a tax-law provision, with the federal government seeding $1,000 for babies born between Jan. 1, 2025 and Dec. 31, 2028.
- Account rules lock funds until the beneficiary turns 18, with investments in U.S. equity index funds capped at an expense ratio 0.10% and at least 90% in U.S. firms.
- The White House reported rapid early interest, with 1 million signups before the Super Bowl, as President Trump highlighted private gifts during his speech.
- Economists warn inflation and fees could erode projected gains, while critics say the accounts offer limited early help and government and philanthropic contributions are taxed as ordinary income on withdrawal.
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