The White House has introduced a national child-investment initiative known as “Trump Accounts,” supported by a historic $6.25 billion philanthropic contribution from Michael and Susan Dell.

The programme is designed to establish long-term savings and investment accounts for as many as 25 million American children under the age of ten.

Under the plan, children born between January 1, 2025 and December 31, 2028 will automatically receive a $1,000 government-funded deposit in a Treasury-managed investment account.

The Dell family donation provides an additional $250 for qualifying children outside the newborn window, particularly those living in lower-income ZIP codes, significantly expanding the programme’s reach.

Funds placed into the accounts must be invested in low-cost U.S. stock market index funds.

Families, employers and philanthropic donors may contribute up to $5,000 annually.

Once beneficiaries reach adulthood, they may use the funds to pay for education, launch a business, purchase a home or pursue other major life opportunities.

President Donald J. Trump described the initiative as an ambitious, pro-family investment in the nation’s future, while Michael Dell emphasised the importance of giving young people a genuine financial head start.

Supporters say the accounts could advance long-term wealth building and help narrow inequality by encouraging savings habits from childhood.

Sceptics argue that while the programme may offer valuable support, its broader impact on poverty and inequality may be limited without additional structural reforms.

They also note that investment-based schemes rely heavily on long-term market performance.

Despite these debates, the Dell family pledge provides substantial momentum for the programme’s launch, scheduled for July 4, 2026. With both federal and private backing, Trump Accounts represent one of the largest child-directed investment initiatives in U.S. history, aiming to expand opportunity for millions of families.