2026-05-28T09:55:00-0400 / 哥伦比亚广播公司新闻
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更新于：2026年5月28日 / 美国东部时间上午10:02 / 哥伦比亚广播公司新闻
从今日起，美国民众可以下载特朗普账户应用，这是一项新联邦计划的一部分，该计划旨在帮助儿童在成年前储蓄资金。
该应用将允许父母或监护人代表子女管理享有税收优惠的投资账户。从7月4日开始，美国政府将向符合条件的开户儿童提供1000美元启动资金，资金将投入股票市场。账户持有人也可于当日开始进行个人注资。
除政府捐款外，每名儿童的年度注资上限为5000美元，特定情况除外。
“特朗普账户应用为家庭提供了一种简单、安全的方式，让他们能够参与这项旨在从一开始就构建长期财务实力的计划，”财政部长斯科特·贝森特周四在一份声明中表示。
我该如何使用这款应用？
美国财政部表示，已为子女开立账户的父母将收到包含设置特朗普账户应用说明的电子邮件，用户可从苹果应用商店、谷歌应用商店或TrumpAccounts.gov下载该应用。
财政部将在即日起至7月4日期间分阶段发送账户激活邮件。邮件将使用no-reply@TrumpAccounts.Treasury.gov邮箱地址发送。
“财政部不会通过短信或电话联系你，告知特朗普账户的激活事宜，”财政部表示，“如果你接到关于特朗普账户的电话或短信，请勿回复，这很可能是诈骗。”
谁有资格申请特朗普账户？
2025年1月1日至2028年12月31日期间出生的美国公民儿童，有资格申请特朗普账户。账户必须由父母或监护人开立并管理，直至子女年满18岁。年满18岁后，子女可提取资金用于符合条件的开支，例如教育、购房或创业。
父母、雇主、慈善机构及其他方均可向账户注资，贝森特曾将该账户称为子女成年后可使用的“应急基金”。
我还能申请开户吗？
据财政部透露，已有数百万美国人注册了特朗普账户。注册需要登录个人国税局账户并填写4547号表格——一张用于开立特朗普账户的专用税务表格。开立账户无需支付费用。
子女年满18岁前可以提取资金吗？
不可以。家庭不得在子女年满18岁前从特朗普账户提取资金，以下情况除外：
- 将整个账户转至另一家经纪商的特朗普账户
- 在子女年满17岁的当年，将资金转入“改善生活体验”账户
- 账户持有人去世后的资金分配
年满18岁后，将适用标准的个人退休账户提取规则。
编辑：阿兰·谢特尔
Trump Accounts app launches today. Here’s what to know.
2026-05-28T09:55:00-0400 / CBS News
By
Updated on: May 28, 2026 / 10:02 AM EDT / CBS News
Americans can download the Trump Accounts app starting today, as part of the rollout of a new federal program to help children save money before they reach adulthood.
The app will allow parents or guardians to manage the tax-preferred investment accounts on behalf of their kids. Beginning July 4, the U.S. government will make a $1,000 contribution to eligible children with accounts, with funds to be invested in the stock market. Account holders can also start making personal contributions that day.
Excluding the government’s donation, annual contributions are capped at $5,000 per child, with certain exceptions.
“The Trump Accounts app delivers a simple, secure way for households to begin engaging with a program designed to build long-term financial strength from day one,” Treasury Secretary Scott Bessent said in a statement on Thursday.
How do I access the app?
The Treasury Department said that parents who signed up for an account for their children will receive emails with instructions on how to set up the Trump Accounts app, which they can download from the Apple App Store, Google Play or TrumpAccounts.gov.
The agency will send emails to activate the accounts in phases between now and July 4. Messages will use the address no-reply@TrumpAccounts.Treasury.gov.
“Treasury will not contact you by text message or phone call about Trump Account activation,” the department said. “If you receive a call or text about a Trump Account, do not respond, it is likely a scam.”
Who is eligible for a Trump Account?
Children who are U.S. citizens and who are born between Jan. 1, 2025, and Dec. 31, 2028, are eligible for a Trump Account. The accounts must be set up and managed by parents or guardians until the child turns 18. At that age, children can tap the money to pay for qualified expenses, such as education, buying a home or starting a business.
Parents, employers, charitable organizations and other parties can all contribute money to the accounts, which Bessent has touted as a “rainy day fund” kids can use when they reach adulthood.
Can I still sign up?
Millions of Americans have already signed up for Trump Accounts, according to the Treasury Department. Enrolling requires logging in to an individual’s IRS account and completing Form 4547, a specific tax form to open a Trump Account. The accounts are free to set up.
Can funds be withdrawn before a child turns 18?
No. Families may not withdraw funds from a Trump Account before a child turns 18, except for the following reasons:
- A rollover of the entire account to a Trump Account with another brokerage
- Certain rollovers to an “Achieving a Better Life Experience” account in the year the child turns 17
- Distribution when the individual dies
After age 18, standard IRA withdrawal rules apply.
Edited by Alain Sherter
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