The IRS just released Notice 2025-10 detailing the new Trump Account—a retirement account for kids that comes with $1,000 from the government. If you have a child born between January 1, 2025 and December 31, 2028, you could qualify for this pilot program. But there are specific rules, contribution limits, investment restrictions, and deadlines you need to know.

What you'll learn:

What a Trump Account actually is (and how it works)

Who qualifies for the $1,000 government contribution

The 5 types of contributions allowed (and the $5,000 annual cap)

Investment restrictions (broad US index funds only—no crypto, no individual stocks)

The lockup period and when you can access the money What happens when your child turns 18

How employers can contribute up to $2,500/year tax-free Key dates: May 2026 activation, July 4, 2026 first contributions

Important deadlines:

Form 4547 available in 2026

Account activation info: May 2026

Online portal (trumpaccounts.gov): Mid-2026

First contributions allowed: July 4, 2026

Public comments accepted through: February 20, 2026

This breakdown covers IRS Notice 2025-10 in plain English. Whether you're a parent, grandparent, CPA, or financial professional, this is what you need to know about the Trump Account.

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CHAPTERS 0:00 - Introduction: IRS Notice 2025-10 0:45 - What Is a Trump Account? 2:15 - The $1,000 Pilot Program (Who Qualifies) 4:30 - How to Open an Account 6:20 - The 5 Types of Contributions ($5K Annual Cap) 9:10 - Investment Restrictions (Index Funds Only) 11:45 - Distribution Rules & The Lockup Period 14:20 - What Happens After Age 18 16:30 - Employer Contribution Program ($2,500/Year) 18:45 - Key Dates & Action Items 20:15 - Wrap Up & Resources

REFERENCED DOCUMENT: IRS Notice 2025-10: Trump Account Rules #TrumpAccount #IRS #RetirementPlanning #TaxStrategy #FinancialPlanning #ParentingMoney