The United States government has introduced 'Trump Accounts,' which are tax-advantaged investment accounts. These accounts are designed to help children save money for the long term, with special rules to support those in the foster care system.

美國政府推出了「川普帳戶」，這是一種具有稅務優惠的投資帳戶。這些帳戶旨在幫助兒童進行長期儲蓄，並設有特殊規則以支持寄養照顧系統中的兒童。

Launched on July 4, the program allows people to contribute up to $5,000 per year after taxes. For children born between 2025 and 2028, the U.S. Treasury will provide an initial deposit of $1,000. The White House emphasized the program's early success, reporting $125 million in contributions within the first five days. Furthermore, wealthy individuals and large companies, such as Goldman Sachs and the Dell family, have committed billions of dollars to help low-income children.

該計畫於 7 月 4 日啟動，允許民眾每年在稅後投入最多 5,000 美元。對於 2025 年至 2028 年間出生的兒童，美國財政部將提供 1,000 美元的初始存款。白宮強調該計畫初步取得成功，報告指出前五天內已有 1.25 億美元的供款。此外，富豪與大型企業，如高盛與戴爾（Dell）家族，已承諾捐助數十億美元以幫助低收入兒童。

For the foster care population, which includes over 330,000 children, states can act as legal guardians to open these accounts. This system aims to reduce financial instability for the 15,000 young people who leave foster care every year. To achieve this, the government plans to move Social Security survivor benefits and Supplemental Security Income (SSI) into these accounts. However, the success of this plan depends on whether states follow the rules and how they manage the $5,000 annual contribution limit.

針對超過 33 萬名的寄養人口，州政府可擔任法定監護人以開設這些帳戶。此制度旨在減少每年有 1.5 萬名離開寄養照顧的青少年所面臨的財務不穩定情況。為了實現這一目標，政府計劃將社會安全遺屬福利與補充保障收入（SSI）轉入這些帳戶。然而，該計畫的成功與否，取決於各州是否遵守規則以及如何管理每年 5,000 美元的供款上限。

Despite these benefits, there are some concerns regarding how the money can be used. Generally, the funds cannot be accessed until the child turns 18. If money is withdrawn early, the owner must pay income tax and a 10% penalty, unless the money is used for education or buying a first home. Additionally, experts are concerned that having these savings might make young adults ineligible for other government assistance programs once they leave state care.

儘管有這些益處，但對於資金的使用方式仍有一些疑慮。一般而言，資金在兒童滿 18 歲前無法提取。若提前提取，帳戶持有者必須繳納所得稅及 10% 的罰金，除非該資金用於教育或購買首套房產。此外，專家擔心擁有這些儲蓄可能會導致年輕人在離開州政府照顧後，不再符合其他政府援助計畫的申請資格。

The Trump Account program has attracted significant private funding and state interest. However, its long-term success for foster youth depends on solving problems related to regulations and how easily the funds can be accessed.

川普帳戶計畫吸引了大量私人資金與州政府的關注。然而，對於寄養青少年而言，其長期成功與否取決於能否解決相關法規問題以及資金提取的便利程度。