Investment Accounts for Babies Are Coming. Wall Street Can’t Wait.

婴儿投资账户即将到来。华尔街翘首以待。

The Journal.

2025-12-11

18 分钟
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Starting next year, babies born from 2025 to 2028 can receive $1,000 to start investment accounts. The initiative has gotten corporate America excited, with financial institutions vying for a role in the program, and philanthropists like Dell Technologies CEO Michael Dell pledging billions of dollars in donations. WSJ’s Alexander Saeedy unpacks how the accounts work and why Wall Street is buzzing about them. Jessica Mendoza hosts. Further Listening: - Closing the Wealth Gap With a Trust Fund for Babies - The Nvidia CEO’s Quest to Sell Chips in China - Inside Intel's Deal With the U.S. Government Sign up for WSJ’s free What’s News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  • Last week, Michael Dell, the CEO of Dell Technologies, made a big announcement.

  • Thank you, Mr.

  • President.

  • It's a great honor to be with you here in the White House.

  • Dell and his wife, Susan,

  • revealed that they would be donating more than $6 billion towards a new government program.

  • Susan and I are super excited to announce our $6.25 billion gift to 25 million American children.

  • 10 and under.

  • The contribution would dramatically expand a new tax-advantaged account for minors,

  • known as Trump accounts.

  • Trump accounts.

  • Trump accounts.

  • Trump accounts.

  • The families that opt in will receive a one-time payment of $1,000.

  • They must invest in diversified, low-cost U.S.

  • stock index funds.

  • I talked to our colleague Alexander Saidi about this.

  • What is a Trump account?

  • It's an IRA for babies.

  • through a very small seed investment of $1,000 for any child born between the beginning of 2025 and the end of 2028.