Trump Accounts Now Accept Stock Donations as Treasury Launches New Child Investment Program

Individuals and businesses will soon be able to donate publicly traded stocks to Trump Accounts, the government-backed investment accounts created under President Donald Trump’s landmark tax and immigration law, according to new guidance from the U.S. Treasury Department.

The program officially launches on July 5, coinciding with the celebration of the 250th anniversary of the United States. Under the initiative, the federal government will provide a $1,000 seed investment for every eligible child born between 2025 and 2028, while private donors, corporations, and charitable organizations can further boost those accounts through additional contributions.

The Treasury Department confirmed that donors may transfer publicly traded shares directly to the agency. Those shares will then be allocated to eligible children's Trump Accounts based on the donor’s instructions, applicable laws, and Treasury regulations.

Treasury Secretary Scott Bessent said allowing stock donations creates a practical framework for large-scale private contributions that can help strengthen the financial future of the next generation.

Parents or legal guardians who want to participate must actively open an account by completing the IRS’s one-page Form 4547, named after President Trump as the 45th and 47th U.S. president. The accounts are not created automatically by the government. Once established, the adult account holder is responsible for selecting investment options and managing the portfolio until the child reaches adulthood.

Earlier this week, the Treasury unveiled five investment funds available through the program. These funds track major U.S. stock market indexes and rank among the most actively traded exchange-traded funds (ETFs) used by retail investors.

President Trump’s annual financial disclosure shows he personally owns between $7 million and $35.1 million in those same investment vehicles and purchased as much as $21 million worth of the funds during 2025.

The White House dismissed concerns over a potential conflict of interest. Spokeswoman Anna Kelly stated that Trump’s holdings are maintained in fully discretionary accounts managed by independent third-party financial institutions, meaning investment decisions are made without the president’s direct involvement.

According to the Treasury Department, more than six million families have already enrolled in the Trump Accounts program. However, only about 1.4 million children currently qualify for the federal $1,000 contribution based on eligibility requirements previously outlined by the agency.

As a result, most participating families are expected to benefit primarily from the program’s tax advantages while contributing their own money to grow the accounts over time.

Trump Accounts differ from traditional education and youth savings plans. While they receive less favorable tax treatment than some existing savings vehicles, they offer greater flexibility regarding how the funds may ultimately be used. Investment gains are generally not taxed until the account holder turns 18 years old, although certain state taxes may still apply depending on local regulations.

The Trump Accounts initiative is designed to encourage long-term investing for children while combining federal support with private-sector contributions, giving families another option to build wealth for future generations.