The U.S. government started 'Trump Accounts.' These are special accounts to help children save money for the future.

美國政府開始推出「川普帳戶」。這些是為了幫助兒童為未來儲蓄的特殊帳戶。

Children under 18 can have these accounts. Families can put $5,000 in the account every year. Some companies and charities can also give money. Children born between 2025 and 2028 get $1,000 from the government.

18 歲以下的人員可以擁有這些帳戶。家庭每年可以在帳戶中存入 5,000 美元。部分公司和慈善機構也可以捐款。2025 年至 2028 年間出生的兒童可獲得政府提供的 1,000 美元。

Children cannot take the money out until they are 18. Then, the account becomes a retirement account. They can take money out early for college or a new home.

兒童在 18 歲之前不能領出資金。隨後，該帳戶將轉為退休帳戶。如果用於就讀大學或購買新房，他們可以提前領錢。

Many people like this plan. In the first five days, people put $125 million into these accounts. Rich people and companies are helping children save money.

許多人喜歡這個計劃。在最初的五天內，人們已在這些帳戶中存入了 1.25 億美元。富人和公司正協助兒童儲蓄資金。

Trump Accounts are open now. They help American children have more money when they grow up.

川普帳戶現在已經開放。這將幫助美國兒童在成年後擁有更多資金。

The United States government has introduced 'Trump Accounts,' a new system of tax-deferred investment accounts created to help children build long-term savings.

美國政府推出了「川普帳戶」，這是一個全新的延稅投資帳戶系統，旨在幫助兒童建立長期儲蓄。

To open an account, the child must be a U.S. citizen under 18 with a valid Social Security number. Families can contribute up to $5,000 per year, although this limit can be increased by donations from charities or local governments. Furthermore, employers may contribute up to $2,500 per employee annually, as long as the total stays within the $5,000 limit. For children born between 2025 and 2028, the U.S. Treasury will provide a one-time starting deposit of $1,000.

要開設帳戶，兒童必須為 18 歲以下且持有有效社會安全號碼的美國公民。家庭每年最多可供款 5,000 美元，但此上限可透過慈善機構或地方政府的捐款而增加。此外，雇主每年每位員工最多可供款 2,500 美元，只要總額保持在 5,000 美元限額內即可。對於 2025 年至 2028 年間出生的兒童，美國財政部將提供 1,000 美元的一次性啟動存款。

Generally, the money cannot be withdrawn until the child turns 18, at which point the account becomes a traditional Individual Retirement Account (IRA). However, there are exceptions that allow people to take money out without penalties for college expenses or home down payments. The program emphasizes the power of compound growth through U.S. stock funds. Experts suggest that if families contribute the maximum amount and earn a 7 percent average return, a child could have about $170,000 by age 18 and potentially over $4 million by retirement.

一般而言，資金在兒童滿 18 歲前不得取出，屆時該帳戶將轉為傳統的個人退休帳戶 (IRA)。然而，若用於大學教育費用或房屋首付款，則有例外規定允許免罰金提領。該計畫強調透過美國股票基金來發揮複利增長的威力。專家建議，若家庭供款最高額且平均回報率為 7%，兒童在 18 歲時可能擁有約 17 萬美元，退休時潛在金額可超過 400 萬美元。

Both private individuals and institutions have already shown strong interest. The White House reported that nearly $125 million was invested within the first five days. While some critics are unsure if the program will continue after the current administration, others argue that it is a great way to improve financial literacy and reduce wealth inequality through private investment.

私人個體與機構均已表現出濃厚興趣。白宮報告指出，在前五天內已有近 1.25 億美元被投資。雖然部分批評者不確定該計畫在現任政府卸任後是否會持續，但其他人認為，透過私人投資來提升理財素養並減少財富不平等，是一個絕佳的方式。

Trump Accounts are now available, offering a clear way for families and organizations to invest in the future financial security of American children.

「川普帳戶」現已推出，為家庭與機構提供了一個明確的方式，來投資美國兒童未來的財務安全。

The United States government has implemented 'Trump Accounts,' a new system of tax-deferred investment accounts designed to facilitate long-term capital accumulation for children.

美國政府實施了「川普帳戶」，這是一個新的延稅投資帳戶系統，旨在幫助兒童進行長期資本積累。

The operational framework of these accounts mandates that beneficiaries be U.S. citizens under the age of 18 possessing valid Social Security numbers. Financial contributions are capped at an annual limit of $5,000 for families, though this threshold may be augmented by contributions from qualifying philanthropic entities, state and local governments, or charitable organizations. Employers are permitted to contribute up to $2,500 per employee annually, provided such sums remain within the $5,000 aggregate limit. For children born between 2025 and 2028, the U.S. Treasury Department provides a non-recurring initial deposit of $1,000.

這些帳戶的運作框架規定，受益人必須為 18 歲以下且擁有有效社會安全號碼的美國公民。家庭每年的供款上限為 5,000 美元，但若由合資格的慈善實體、州和地方政府或慈善組織供款，此限額可能會增加。雇主每年可為每位員工供款最多 2,500 美元，前提是該金額須在 5,000 美元的總限額內。對於 2025 年至 2028 年間出生的兒童，美國財政部將提供 1,000 美元的一次性初始存款。

Regarding the transition of assets, funds are generally restricted from withdrawal until the beneficiary reaches the age of 18, at which point the vehicle converts into a traditional Individual Retirement Account (IRA). Certain exceptions allow for penalty-free withdrawals for higher education expenses or residential down payments. The program's strategic objective is the utilization of compound growth through exposure to U.S. stock funds; hypothetical projections suggest that maximum annual contributions coupled with a 7 percent average return could yield approximately $170,000 by adulthood and potentially exceed $4 million by retirement age, assuming continued modest contributions.

關於資產轉移，資金通常在受益人滿 18 歲前禁止提取，屆時該工具將轉換為傳統的個人退休帳戶 (IRA)。特定例外情況允許為高等教育開支或住宅首付款進行免罰金提取。該計畫的戰略目標是透過投資美國股票基金利用複利增長；假設性預測顯示，若每年供款滿額且平均回報率為 7%，至成年時可產生約 17 萬美元，而若持續進行小額供款，至退休年齡時可能超過 400 萬美元。

Stakeholder engagement has been characterized by both institutional and private participation. The White House reported total investments of nearly $125 million within the first five days of implementation. High-net-worth individuals, including Michael Dell, Susan Dell, and Gwynne Shotwell, have provided contributions. While some observers express uncertainty regarding the program's longevity beyond the current administration's tenure, others view the initiative as a mechanism for enhancing financial literacy and reducing systemic wealth inequality through private ownership rather than bureaucratic expansion.

持份者的參與特點在於機構與私人的共同參與。白 House 報告指出，在實施後的前五天內，總投資額近 1.25 億美元。包括 Michael Dell、Susan Dell 和 Gwynne Shotwell 在內的高淨值人士均提供了供款。雖然部分觀察者對該計畫在現任政府任期後的持久性表示不確定，但其他人將此舉視為一種透過私人所有權而非擴大官僚體制，來提升財務素養並減少系統性財富不平等的機制。

Trump Accounts are currently active, providing a structured mechanism for multi-stakeholder investment in the long-term financial solvency of American minors.

「川普帳戶」目前已啟用，為多方持份者投資美國未成年人的長期財務穩健提供了一個結構化機制。