"Trump's account" is here: the government directly deposits $1,000 when a child is born, which can grow to $600,000 by retirement!

DropToZeroDon'tCry · 2025-12-18T09:20:41+00:00

From the moment a child is born, the government directly deposits $1,000 seed money, allowing it to grow like a snowball in the S&P 500 with an average annual compound interest of 10%, easily reaching $600,000 by retirement! And it doesn't stop there. Starting from July 4, 2026 (the 250th anniversary of the founding of the United States), parents, relatives, and even employers can contribute an additional maximum of $5,000 each year.

DropToZeroDon'tCry

2025-12-18 09:20:41

U.S. Treasury Secretary Scott Bessent announced last night: The Trump administration has launched the “Trump Accounts” plan! From the moment a child is born, the government will deposit a one-time seed fund of $1,000, allowing it to snowball in the S&P 500, with an average annual compound interest of 10%, easily growing to $600,000 by retirement! But that’s not all. Starting July 4, 2026 (the 250th anniversary of the United States), parents, relatives, and even employers can contribute an additional up to $5,000 each year. If contributions are made at the maximum each year, by the time the child turns 28, the account will exceed $1 million! This is the true “American Dream”—regardless of background, making every newborn a millionaire. A new chapter of MAGA officially begins!

“Trump Accounts” Core Mechanism Explained

How to set up the account? How does it grow?

Item	Details	Explanation
Seed fund	One-time deposit of $1,000	Automatically opened at birth
Investment target	S&P 500 index fund	Long-term annual return about 10% (since 1950s)
Compound growth	$1,000 → over $600,000 at retirement	Calculated at 10% annual, about 60-70 years of compounding
Additional contribution limit	Up to $5,000 per year	Donations from parents, relatives, employers, anyone
Launch date	July 4, 2026 (U.S. 250th anniversary)	Officially open for annual deposits

Bessent emphasizes: This is not welfare, but the ultimate weapon of “compound interest + free market,” enabling ordinary families to achieve wealth accumulation through time and market forces.

Two options at age 28

Choice	Description	Purpose
Option A: Hold	Keep until retirement (60-70 years old)	Million-dollar retirement fund
Option B: Early withdrawal	Withdraw part or all at age 28	For first home, entrepreneurship, further education

Having a million dollars in starting capital by age 28 can completely change one’s life trajectory!

Shocking Estimates from the Economic Advisory Committee

Scenario	Annual deposit	Account value at age 28
Seed fund only	$0	≈ $600,000 (retirement)
Max annual contributions	$5,000	> $1 million (by 28)
Matching contributions (employer like 401K)	Additional match	Grows faster, easily surpassing $2 million

Bessent predicts: In the future, employers will match “Trump Accounts” like 401K matches, and parents will also invest heavily, similar to 529 education funds.

This is the true MAGA agenda

“Make young people rich,” Scott Bessent states plainly:

Give every child the chance to become a millionaire at birth
Achieve this through market forces, not government transfers
It’s unrelated to background, dependent on effort and time

This is not wishful thinking but a strict law of compound interest based on 70 years of historical data.
Bessent summarizes:
“The American Dream isn’t about government handouts, but about free markets, compound interest, and personal choices, allowing everyone to achieve wealth through time.”

Final thoughts

Once the “Trump Accounts” are implemented, it will be the most aggressive and optimistic wealth creation plan in U.S. history.
$1,000 seed fund + $5,000 annual cap + 10% annual compound interest → $1 million by age 28, $600,000+ at retirement, enabling intergenerational mobility for ordinary families.

Do you think this plan can succeed?
Share your thoughts in the comments:
A. Too naive, the stock market can’t stay at 10% forever
B. If it really happens, I’ll be the first to open an account for my child
C. Employers will match? Dream on
D. The American Dream is back, envy!

Take it step by step—if it really happens, congratulations to all newborns, they will be winners at the starting line from birth!

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.