A $1,000 Government Kickstart for Every Newborn

Trump Accounts are proposed federal investment accounts seeded with $1,000 at birth for children born between 2025 and 2028.

What Is the Trump Account?

Trump Accounts are federal child investment accounts seeded with $1,000 at birth for children born 2025–2028. Built for long-term growth and milestone goals.

Tax Deferred Growth
Let investments grow without annual tax drag
$1,000 at Birth
Every eligible child gets a government-funded head start

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Why Choose FutureMoney?

FutureMoney helps parents navigate the complexity of investing for children by building technology and guidance tailored to long-term family wealth.

When Trump Accounts launch, we’ll help you:

• Know if your child is eligible
• Support to enroll and unlock your $1,000
• Track investment growth over time
• Build a holistic plan including Junior Roth IRAs, Custodial Roth IRAs, 529s, and more

How Does It Work?

The Trump Account launches soon, but there’s a smart way to start building now.

1. Open a FutureMoney account
   Be first to know when the $1,000 Trump Account opens. We’ll guide you step by step.
2. Start Investing Today
   Open a Junior Roth IRA or 529 account now and let compound growth work while you wait.
3. Track Your Progress
   Use FutureMoney to monitor growth and plan how all your accounts fit together.
4. Build with Confidence
   Layer accounts to grow tax efficiently for college, a first home, or long-term wealth.

Why the Trump Account Stands Out

Highlights:

• $1,000 government-funded investment at birth;
• No parent contribution required;
• Tax-deferred growth over 18+ years;
• A national step toward bridging generational wealth gaps.

Junior Roth IRA vs. Trump Account

Both accounts help families invest early, but the long-term value and flexibility differ in meaningful ways.

Eligibility:
A Junior Roth IRA can be opened anytime before age 18. Trump Accounts can be opened anytime before age 18, but the $1000 bonus is only applicable to children born between 2025-2028.

Funding Source:
The Trump Account offers a $1,000 federal bonus. A Junior Roth IRA requires parent or family contributions, but with no income requirement.

Tax Treatment:
Junior Roth IRAs offer tax-free growth and withdrawals for qualified uses. Trump Accounts grow tax-deferred, but qualified withdrawals are still taxed as ordinary income.

The Bottom Line:

Trump Accounts are a great head start. But pairing them with a Junior Roth IRA or 529 account gives your child broader, tax-advantaged options for building lifelong wealth.

Ready to Start? Invest Today. Empower Tomorrow.

Open an account and take the first step toward building a brighter financial future for your child.

FAQ

What is a Junior Roth IRA?
The Junior Roth IRA™, exclusively offered by FutureMoney, allows you to invest up to $35,000 while your child is under 18 and grow that money tax free into their retirement, based on a 529 plan to Roth IRA rollover.

Can I open up a Roth IRA for my kid?
If you’re looking for a Roth IRA for kids, the Junior Roth IRA™ is the perfect solution since it doesn’t require the minor to have earned income to contribute.

How much can I invest in a Junior Roth IRA?
The lifetime maximum for the 529-to-Roth rollover is $35,000. Any amounts that cannot be rolled over would remain in a 529 plan.

What qualifies as earned income?
Your child does not need earned income for you to contribute to their Junior Roth IRA.

How much does a Junior Roth IRA cost?
Access to Junior Roth IRAs are included in all FutureMoney plans. We do not charge any per-account fees.

Can I use money from a Junior Roth IRA to buy my first home?
If you’re a first-time homebuyer, you can withdraw up to $10,000 in earnings from your Roth IRA penalty-free for the purchase of your first home.

How does compound interest work in a Roth IRA for kids?
Compound interest in a Roth IRA for kids works by reinvesting earnings, allowing contributions to grow exponentially over time.

Can a child's Roth IRA be used as an emergency fund?
No, the Junior Roth IRA is intended for long-term wealth building. Taxes and penalties apply to unqualified withdrawals.

Where can I sign up for a Junior Roth IRA?
Exclusively through FutureMoney. You can download the FutureMoney app through the Google Play Store or Apple App Store, or through our website.

How old does a child need to be to open a Junior Roth IRA?
You can open a Junior Roth IRA for a child of any age, including future children not born yet. A Junior Roth IRA starts as a 529 plan and rolls over to a Roth IRA once the eligibility criteria are met.

Can grandparents fund a Junior Roth IRA?
Yes, grandparents can set up a Junior Roth IRA for their grandchild.

What are the tax advantages of a Junior Roth IRA?
The money invested in a Junior Roth IRA grows tax free, meaning any dividends, interest or capital gains in the account are not taxed.