If you have children or grandchildren, stop what you're doing and read this.

This morning, President Trump officially launched Trump Accounts by ringing the opening bell of the U.S. stock market from the Oval Office.

Most people are debating the politics.

I think they're overlooking the investing opportunity.

Eligible children can receive a $1,000 investment account at birth.

And given enough time, that initial investment could compound into hundreds of thousands – or even millions – of dollars.

What Exactly Are Trump Accounts?

Think of a Trump Account as a 401(k) for a newborn.

Instead of opening a savings account that earns very little interest, the government opens an investment account designed to own a low-cost index fund that tracks the overall U.S. stock market.

The idea is simple:

Give children a head start on compounding.

Here's how it works:

• Every eligible child born between January 1, 2025 and December 31, 2028 receives a $1,000 contribution from the U.S. Treasury.

• That money is automatically invested in a diversified stock market index fund.

• Parents, grandparents, employers, churches, states, and others can contribute up to $5,000 per year.

• The money continues compounding until the child reaches adulthood.

• Beginning at age 18, funds can be used for approved purposes such as paying for education, buying a home, or starting a business. The money can also remain invested to continue growing over time.

This isn't a savings account.

It's an investment account designed to compound alongside the American economy.

Who Qualifies for the $1,000 Seed Money?

The $1,000 government deposit applies to:

• American children born between January 1, 2025 and December 31, 2028

• Children must have a Social Security number

If a child qualifies, the Treasury automatically contributes the initial $1,000.

Children born before 2025 don’t qualify for the $1,000 Treasury deposit.

However, parents can still open Trump Accounts for children under 18.

The Magic of Compounding

A $1,000 government contribution doesn’t sound life-changing.

But time has a funny way of changing that.

Using historical S&P 500 returns…

If your family never contributes another dollar...

The government's initial $1,000 could grow to roughly:

• $6,000 by age 18

• $15,000 by age 27

• $243,000 by age 55

Now let's say a family contributes $250 per year – less than many people spend on coffee each month.

That account could grow to approximately:

• $19,000 by age 18

• $51,000 by age 27

• $878,000 by age 55

And if a family contributes the maximum $5,000 per year?

The projections become remarkable:

• $271,000 by age 18

• $742,000 by age 27

• $13 million by age 55

Of course, future returns won't exactly match the past.

But the lesson is unmistakable.

The earlier you start investing, the more time compounding has to work in your favor.

One More Reason Why This Matters

There's something else I like about this program.

Over the past several years, we've seen a growing resentment toward capitalism among many younger Americans.

Personally, I don't think the problem is capitalism itself.

I think the problem is that too many people don't feel like they're participating in it.

It's hard to celebrate rising stock prices when you don't own any stocks.

It's hard to cheer for successful businesses when you don't share in their success.

Trump Accounts begin to change that.

Every child receiving one of these accounts becomes a shareholder in America from the very beginning of life.

As businesses grow...

As entrepreneurs build companies...

As the economy expands...

Those children have an opportunity to grow alongside the country itself.

On the heels of America's 250th birthday, I think that's a powerful idea.

Start a Trump Account for your loved ones today.

For more info, visit trumpaccounts.gov.