Yes. Newborns fully qualify for a Trump Account. There's no minimum age requirement, and a child born today is just as eligible as a 10-year-old. If anything, starting at birth is the best possible scenario for this account.
Here's what new parents need to know.
Newborns Are Fully Eligible
Any child with a valid Social Security Number who is under 18 qualifies for an Invest America Account. Newborns get a Social Security Number shortly after birth, typically through the hospital or by applying with the Social Security Administration. Once your baby has their SSN, you can open the account.
Take the quiz at investamericaquiz.com to confirm your child's eligibility and see what they qualify for.
Newborns Born 2025–2028 Also Get the $1,000 Seed
If your baby was born on or after January 1, 2025, they're in the window to receive the free $1,000 government seed contribution. That money gets deposited into the account and immediately starts growing in a low-cost S&P 500 index fund.
Starting at birth with $1,000 already invested, growing at a historical average closer to 6-10% per year, adds up fast. The full growth projections show just how significant that early start is by the time your child turns 18.
Why Starting at Birth Is the Best Time
The whole idea behind this program is compounding growth over time. The longer the money sits in the account, the more it grows. A child who starts at birth has 18 years of growth before the account converts to an IRA. A child who starts at 10 only has 8.
That gap in time makes an enormous difference. If you have a newborn, don't wait.
How to Open the Account for a Newborn
Once your baby has their Social Security Number, you have two paths:
- File IRS Form 4547 with your 2025 tax return by April 15, 2026
- Use the online portal at trumpaccounts.gov when it becomes available in mid-2026
A parent serves as the custodian of the account until the child turns 18. You manage contributions and oversee the account, but it's held in your child's name. See the full step-by-step guide here.
What If My Baby Was Just Born in 2026?
Children born in 2026 qualify for the account and for the $1,000 seed. The seed window runs through December 31, 2028, so babies born this year are well within it. The April 15, 2026 deadline applies to filing Form 4547 with the 2025 tax return. If your child was born in 2026, you'd open the account through the trumpaccounts.gov portal or on your 2026 tax filing.
If you're unsure about timing, the Trump Accounts explainer covers the key dates in plain language.
Can Grandparents Open the Account?
Yes. A grandparent or other authorized adult can serve as custodian and open the account on behalf of a newborn. This is worth knowing if new parents are swamped or if grandparents want to get the ball rolling as a gift. Anyone can also contribute up to the $5,000/year annual cap, regardless of their relationship to the child.
Find out if your newborn qualifies at investamericaquiz.com.
Wondering about something specific? We've rounded up every question people are asking about Trump Accounts.
This post is for educational purposes only and is not tax, legal, or investment advice. Grifin is not affiliated with the U.S. government or the Invest America program.
