Trump’s 'Big Beautiful Bill' Gives Every Newborn American $1,000 Investment Kickstart

In a groundbreaking move that exemplifies his commitment to America’s future, President Donald J. Trump’s administration has delivered a bold new policy aimed directly at empowering the next generation. Buried within the recently passed One Big Beautiful Bill is a provision now catching national attention — the creation of $1,000 “Trump Accounts” for every American newborn.

Originally conceived by venture capitalist Brad Gerstner, the initiative establishes a new class of tax-deferred investment accounts for children born between January 1, 2025, and December 31, 2028. Each of these children will automatically receive a $1,000 federal seed investment from the U.S. Treasury, allocated into a low-cost index fund — providing a long-term wealth-building opportunity from birth.

“The bill creates a new class of investment account in the tax code. Every American born between 2025 and 2028 automatically receives an account with $1,000 from the U.S. Treasury, which will be invested in a low-cost index fund,” Axios reported.

This visionary program turns federal dollars into ownership — a cornerstone of conservative economic thought — giving children the financial tools to achieve prosperity through market participation, not government dependency.

The funds are placed in a custodial trust until the child turns 18, when it transitions into a traditional retirement account. According to Forbes, the account holder may access up to 50% of the value at 18 for education or entrepreneurial ventures, with full access at 30.

Matt Lira, a Republican strategist involved in the legislative effort, described the dream:

“My dream scenario is people use a decent percentage of it to get a head start in life, and the remainder for long-term planning.”

President Trump explained the initiative during a White House roundtable in June:

“For every U.S. Citizen born after December 31, 2024, before January 1, 2029, the federal government will make a one-time contribution of $1,000 into a tax-deferred account that will track the overall stock market,” he said.

Though slated for four years due to congressional budget constraints, the Trump Accounts could be extended depending on public reception and success.

The policy allows annual contributions of up to $5,000, with $2,500 in employer contributions eligible for tax-free treatment. Trump emphasized the open architecture of the accounts, which permits donations from parents, churches, nonprofits, employers, and others.

“Extensive research shows that children with savings accounts are more likely to graduate high school and college, buy a home, start a business, and are less likely to be incarcerated,” President Trump added.

Even children born before 2025 can have an account created for them — just without the federal $1,000 deposit.

Backers are already stepping up. Dell Technologies CEO Michael Dell revealed his company would match the federal $1,000 for children of employees, and he and his wife, Susan, plan to donate generously through their foundation to support children nationwide.

“The ability of families, friends, benefactors, and employers to match the government’s generosity amplifies the life-changing potential of this initiative,” Dell said.

A Milken Institute analysis showed the long-term potential: $1,000 invested in a broad equity fund could grow to $8,000 in 20 years, $69,000 in 40 years, and a staggering $574,000 in 60 years.

The White House hailed the program as a generational investment rooted in the American spirit of individual opportunity:

“The Trump Accounts will afford a generation of children the chance to experience the miracle of compounded growth and set them on a course for prosperity from the very beginning.”

At its core, this initiative is about dignity, ownership, and unleashing American potential. President Trump has once again put America’s families first — by investing in their children’s future, not expanding government control.