Trump Accounts are out
Trump Accounts法案生效，7月4日启动，限投美股指数基金。
关键信息
- 启动与性质：2025年签署的“Trump Accounts”法案于7月4日正式上线，本质为儿童版IRA（个人退休账户）[1]。
- 额度限制：父母/祖辈等每年合计限存$5,000/孩；雇主可额外贡献$2,500（计入总额上限）；非营利组织及政府捐款免税且不计入$5,000限额 [1]。
- 投资约束：资金必须投入主要持有美股的指数基金或ETF，禁止杠杆，管理费不得超过资产净值的0.1% [1]。
- 提取规则：子女年满18岁前（即当年1月1日）不可提取，账户自动转为IRA [1]。
- 资格与成本：仅限美国公民，每人一户；预计十年成本约$150亿 [1]。
争议或不同意见
- 投资标的受限：网友指出该法案禁止购买RAM（半导体ETF）和SOXL（半导体三倍做多ETF），限制了高风险/高成长标的的配置空间 [1]。
风险/限制/注意事项
“Trump Accounts,” an investment vehicle created under the https://www.congress.gov/bill/119th-congress/house-bill/1/text signed in 2025 by President Donald Trump, officially launch on July 4 . Trump Accounts will essentially function like an individual retirement account (IRA) — for kids. Parents, grandparents and other eligible contributors will be able to collectively add as much as $5,000 per child each year, with contribution limits expected to be adjusted for inflation annually after 2027. The child must be a US citizen, and only one account is allowed per child. Employers can contribute as much as $2,500 per employee per child each year (the amount counts toward the annual maximum), while nonprofits and state and local governments can make tax-deductible contributions that don’t count toward the yearly $5,000 limit. No money can be withdrawn from the accounts until Jan. 1 in the year the child turns 18. At that point, Trump Accounts automatically convert to an IRA, The https://www.bloomberg.com/quote/3061059Z:US will require that funds be invested in mutual or exchange-traded index funds (ETFs) that primarily hold US stocks. Parents act as a custodian, and funds can’t use leverage or charge fees exceeding .1% of the balance invested. The Trump Accounts program will cost about $15 billion over the next decade, according to the https://www.bloomberg.com/quote/0230417Z:US, a tiny fraction of the overall tax and spending package approved in 2025. 买不了RAM和SOXL了呜呜
昨天财政部说可以存入股票，不知道应该怎么操作
App说child not eligible 今年生的娃