The United States government has introduced 'Trump Accounts' (530A accounts) for children and is now considering a major change to the adult retirement system based on the Australian 'superannuation' model.

美國政府為兒童推出了「川普帳戶」（530A 帳戶），目前正考慮參考澳洲的「強制退休金」（superannuation）模式，對成人退休制度進行重大改革。

The 530A account system, which started on July 4, creates tax-free investment accounts for people under 18. Children born between January 1, 2025, and December 31, 2028, are eligible for a $1,000 initial contribution from the government. Parents can add up to $5,000 per year, and employers can contribute $2,500, but the money cannot be accessed until the child turns 18. Currently, users can only invest in one S&P 500 ETF, although the Treasury plans to offer more options. Furthermore, wealthy donors like Michael Dell have pledged billions of dollars to help children in low-income areas born before 2025.

530A 帳戶制度於 7 月 4 日開始，為 18 歲以下的人建立免稅投資帳戶。於 2025 年 1 月 1 日至 2028 年 12 月 31 日之間出生的兒童，可獲得政府 1,000 美元的初始供款。父母每年可增加最多 5,000 美元，僱主可供款 2,500 美元，但資金須待孩子滿 18 歲後方可提取。目前使用者僅能投資一種 S&P 500 ETF，不過財政部計劃提供更多選擇。此外，如 Michael Dell 等富豪捐贈者已承諾捐出數十億美元，以幫助 2025 年前出生於低收入地區的兒童。

At the same time, the government is looking at a mandatory workplace savings system similar to the one used in Australia. This change is being considered because of an aging population and lower birth rates, which could cause the Social Security trust fund to run out of money by late 2032. The Australian system relies on three parts: required employer contributions (12% of earnings), a government safety net, and voluntary savings. However, implementing this in the U.S. would require significant new laws to force employers to contribute and to create a new regulatory system.

與此同時，政府正研究一套類似澳洲的強制性職場儲蓄制度。考慮此項變更的原因在於人口老化與出生率下降，這可能導致社會安全信託基金在 2032 年底前耗盡。澳洲制度依賴三個部分：強制僱主供款（薪資的 12%）、政府安全網以及自願儲蓄。然而，在美國實施此制度將需要大量新法規以強制僱主供款，並建立一套新的監管系統。

Opinions on this proposal are divided. While the administration emphasizes that the Australian system is highly respected, the Cato Institute asserts that such a mandate would give the government too much influence over the market and create high costs. Additionally, economic analysts suggest that while the Australian model protects against demographic changes, it might be difficult to apply to the U.S. due to the large population size and the risk that mandatory savings could slow down the economy during a recession.

對於此提案的意見分歧嚴重。雖然政府強調澳洲制度深受尊重，但 Cato 研究所主張 such a mandate（此類強制令）將使政府對市場擁有過多影響力並導致高成本。此外，經濟分析師指出，雖然澳洲模式能抵禦人口變遷，但由於美國人口規模龐大，且強制儲蓄在經濟衰退期間可能拖慢經濟，因此難以在美國應用。

In summary, the U.S. has launched a new investment tool for children and is reviewing adult retirement policies to prevent the projected collapse of Social Security.

總結來說，美國推出了一項新的兒童投資工具，並正在審視成人退休政策，以防止社會安全制度如預期般崩潰。