The United States Treasury Department has initiated the Trump Account program, a government-backed investment vehicle designed to facilitate long-term capital accumulation for children.

美國財政部啟動了川普帳戶計畫，這是一個由政府支持的投資工具，旨在協助兒童進行長期資本累積。

The program was established via the One Big Beautiful Bill Act, with formal commencement on July 4, 2025. Under this legislative framework, children born between 2025 and 2028 who meet specific citizenship and dependency criteria are eligible for an initial federal seed contribution of $1,000. The accounts are structured as a specialized form of individual retirement account, requiring the beneficiary to possess a Social Security number and remain under the age of 18 at the time of establishment. Access to funds is restricted until the beneficiary reaches the age of 18, at which point the account transitions to a traditional IRA structure.

該計畫透過《One Big Beautiful Bill Act》建立，於 2025 年 7 月 4 日正式啟動。在該法律框架下，2025 年至 2028 年間出生且符合特定公民身份與受養條件的兒童，有資格獲得 1,000 美元的聯邦初始種子資金。這些帳戶被構造成一種特殊形式的個人退休帳戶，要求受益人必須擁有社會安全號碼，且在開戶時未滿 18 歲。資金提取受限，直到受益人年滿 18 歲，屆時帳戶將轉為傳統的 IRA 結構。

Financial contributions are permitted from parents, relatives, employers, and philanthropic entities. While individual and employer contributions are capped at $5,000 annually, deposits from government or charitable organizations do not count toward this limit. To ensure stability and growth, the Treasury Department mandates that funds be invested exclusively in approved low-cost index mutual funds and exchange-traded funds tied to domestic companies. The administrative interface is managed via a dedicated application developed in collaboration with the Bank of New York Mellon and Robinhood, which utilizes ID.me for identity verification.

父母、親屬、雇主及慈善實體均可進行財務捐助。雖然個人與雇主的年度供款上限為 5,000 美元，但來自政府或慈善組織的存款不計入此限額。為確保穩定與增長，財政部規定資金必須僅投資於經批准的低成本指數共同基金以及與國內公司掛鉤的交易所交易基金（ETF）。管理界面透過與紐約美林銀行（Bank of New York Mellon）和 Robinhood 合作開發的專用應用程式管理，並使用 ID.me 進行身份驗證。

Stakeholder perspectives on the program's socio-economic impact remain divergent. Proponents, including representatives from National Business Capital and the Aspen Institute, posit that the accounts foster a 'college-bound identity' and provide a critical foundation for low-income families through the mechanism of compounding interest. Conversely, analysts from Freedom Debt Relief suggest that the ability of affluent families to maximize annual contributions could exacerbate existing wealth disparities, potentially widening the gap between different socio-economic strata.

利益相關者對該計畫之社會經濟影響的看法分歧。包括 National Business Capital 和 Aspen Institute 代表在內的支持者認為，這些帳戶能培養「大學導向身份」，並透過複利機制為低收入家庭提供關鍵基礎。相反，來自 Freedom Debt Relief 的分析師指出，富裕家庭最大化年度供款的能力可能會加劇現有的財富差距，進而擴大不同社會經濟階層之間的鴻溝。

The Trump Account program has seen rapid initial adoption, with nearly 6 million enrollments recorded following the release of its management application.

川普帳戶計畫在初期迅速普及，管理應用程式發布後，記錄有近 600 萬人登記。