WASHINGTON, D.C. — December 3, 2025

President Donald Trump, joined by philanthropists Michael and Susan Dell, announced a $6.25 billion private gift intended to help launch millions of children’s new Trump Accounts, long-term investment accounts created under the Working Families Tax Cuts Act.

According to official information released by the WHITE HOUSE, Trump Accounts will be available to all U.S. citizen children under 18. For children born between 2025 and 2028, the U.S. DEPARTMENT OF THE TREASURY will automatically provide a one-time $1,000 seed contribution once a parent or guardian elects to claim the account.

Guidance from the INTERNAL REVENUE SERVICE states that the accounts must be invested in broad U.S. stock-market index funds and are designed to grow tax-deferred until the child reaches age 18. After that point, standard tax rules apply, and funds can be used for purposes such as education, a first home, or business startup costs.

Under federal rules outlined by the WHITE HOUSE and TREASURY, families and contributors may deposit up to $5,000 annually per child. That limit will adjust for inflation after 2027. The $1,000 federal deposit does not count toward the contribution limit.

The Dell family’s private gift targets a broader range of children. Their $6.25 billion commitment will provide $250 to the first 25 million children aged 10 and under living in ZIP codes with median household incomes under $150,000, provided their families claim a Trump Account.

President Trump described the initiative as “a real trust fund for every American child,” calling the Dell donation “one of the most generous acts in the history of our country.” His remarks were taken directly from the official WHITE HOUSE YouTube broadcast of the Giving Tuesday event.

Michael and Susan Dell emphasized their long-held view that investing in children is the most powerful long-term national investment. They noted that requiring the funds to be invested in index-based equity accounts helps families experience first-hand how compound growth works over time.

According to Treasury summaries, any child under 18 may have a Trump Account so long as they possess a valid Social Security number. Contributions may come from parents, extended family, employers, philanthropists, and charitable organizations. Certain large-scale contributions, such as state-level or school-level funding by public or private entities, do not count against the annual $5,000 limit.

The accounts are scheduled to become operational beginning July 4, 2026, with Treasury’s designated financial agent opening every eligible account automatically. Parents and guardians will then claim the account through a new IRS process. The accounts may later be transferred to private brokerages through standard trustee-to-trustee transfers.

Officials emphasize that the $1,000 federal seed deposit is restricted to children born from 2025 to 2028. The Dell gift, however, is intended for children outside that federal window, especially older children from lower- and middle-income areas. According to information released by the WHITE HOUSE, the U.S. DEPARTMENT OF THE TREASURY, and the INTERNAL REVENUE SERVICE, the Trump Accounts program is structured to provide long-term, practical financial tools for families across a wide range of income levels. While public and private contributions differ in how they apply, officials describe several clear benefits that the program creates for families moving into the future.

First, the program gives every eligible child access to a long-term investment account tied to broad U.S. stock-market index funds. For many working families, this may be the first time their child has an asset designed specifically to grow over time, independent of household income or savings levels. The federal government’s one-time $1,000 seed deposit for newborns between 2025 and 2028 provides an immediate starting point that families do not have to supply themselves.

Second, the Dell family’s $6.25 billion private contribution expands the reach of the program by providing $250 for up to 25 million children aged 10 and under who live in ZIP codes with median household incomes under $150,000. This ensures that older children, who are outside the federal newborn window, are still able to begin building long-term savings through the same system.

Third, families, employers, relatives, and charitable organizations can contribute up to $5,000 per year to each child’s account. Officials describe this as a simple and repeatable way to build generational assets over time. Because contributions are invested in broad index funds, families benefit directly from the overall performance of the U.S. economy and the long-term effects of compound growth.

Fourth, once a child reaches age 18, the funds may be used under existing tax rules for education expenses, buying a first home, starting a business, or continuing retirement savings. Supporters highlight this flexibility as a way to give young adults a stronger financial foundation as they enter adulthood.

Fifth, the program includes an educational component. Treasury officials say that the structure of these accounts is intended to increase financial literacy by helping families understand saving, investing, and long-term planning. Children will be able to see their account values reflect market changes over time, giving them a practical introduction to how investing works.

Finally, officials emphasize that eligibility does not depend on a family’s existing wealth. Any child under 18 with a valid Social Security number may have an account, and the federal seed deposit and private contributions are designed to support children from a wide range of backgrounds. By giving millions of children an early stake in the economy, supporters believe the program has the potential to strengthen long-term financial stability and expand access to opportunities that might otherwise be out of reach.

Supporters of the program, including administration officials and the Dells, argue that this public-private model gives millions of children an early ownership stake in the U.S. economy. They describe it as both a financial tool and an educational tool, teaching families about investing, saving, and economic participation.

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Primary First-Hand Sources

• WHITE HOUSE — Official announcement: Landmark Dell Gift and Trump Accounts
• WHITE HOUSE — PRESIDENTIAL REMARKS (VIDEO & TRANSCRIPT) — President Trump Giving Tuesday announcement, published on the official White House YouTube channel
• U.S. DEPARTMENT OF THE TREASURY — Formal program overview and administration details
• INTERNAL REVENUE SERVICE — Official guidance on Trump Account eligibility, investment rules, and contribution limits

Secondary Attribution-Based Sources

• Associated Press reporting summarizing the Dell gift and federal account framework
• National news outlets quoting White House and Treasury program details