The core requirement for a Trump Account isn't citizenship. It's a valid Social Security Number. If your child has an SSN and is under 18, that's the eligibility threshold. Most children born in the U.S. automatically qualify.
That said, if you have questions specific to your family's situation, checking with a tax professional is the right move.
What the Eligibility Rules Actually Say
The Invest America Account program was designed for American children. The eligibility criteria center on two things:
- The child must be under 18 years old
- The child must have a valid Social Security Number
That's the framework. A child born in the U.S. receives a Social Security Number through the standard process, and that SSN is what opens the door to the account.
Take the quiz at investamericaquiz.com to find out in 30 seconds whether your child qualifies.
What About Children Born Outside the U.S.?
Children born abroad to U.S. citizens can receive a Social Security Number and may be eligible. The specifics depend on how the child is documented. If your family has lived outside the U.S. or your child was born abroad, it's worth consulting a tax professional or the official resources at trumpaccounts.gov to confirm eligibility.
What About the $1,000 Seed?
The $1,000 government seed is specifically for U.S. children born between January 1, 2025 and December 31, 2028. If your child falls in that birth year window and has a valid SSN, they're in line for the seed contribution on top of the account itself. See who gets the $1,000 here.
Does the Parent Need to Be a U.S. Citizen?
The program doesn't require the parent or custodian to be a U.S. citizen. A parent, grandparent, or other authorized adult serves as the account custodian until the child turns 18. What matters is the child's eligibility, not the custodian's citizenship status. Again, if your situation is complicated, getting specific guidance from a tax professional is the safest route.
How to Open the Account
If your child qualifies, you can open a Trump Account by filing IRS Form 4547 with your 2025 tax return by April 15, 2026. You can also use the online portal at trumpaccounts.gov when it opens in mid-2026. The account is held in the child's name, invested in low-cost S&P 500 index funds, and grows tax-deferred until the child turns 18.
Find out if your child qualifies at investamericaquiz.com.
Still have questions? See everything 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.
