特朗普账户解析：1000美元如何增值

你有资格从政府那里获得一千美元，这笔钱会存入你的账户。

You are eligible to get a thousand dollars from the government deposited into the account.

即使你只拿到这一千美元，假设它以4%的年利率增长，到他们18岁时，这笔钱几乎会翻倍。

Even if you only got the thousand dollars and it grew at, let's say, 4%, it's almost gonna double by the time they're 18.

我觉得不是每个美国人都能真正负担得起这些账户。

I don't think everyone in America has the means to really fulfill these accounts.

大家好，欢迎来到Wealthion。

Hello, and welcome to Wealthion.

我是Maggie Lake。

I'm Maggie Lake.

今天和我一起讨论特朗普账户的是WindRock财富管理公司的总监Brandy Maben。

Joining me today to give us an overview of Trump Accounts is Brandy Maben, director at WindRock Wealth Management.

嗨，Brandy。

Hi, Brandy.

很高兴再次见到你。

It's great to see you again.

嗨。

Hi.

我也很高兴见到你。

Great to see you too.

谢谢邀请我。

Thanks for having me.

最近华盛顿推出了很多项目和方案，但其中一个引发大量讨论和疑问的新计划就是针对儿童的“特朗普账户”。

So there are a lot of programs and offers coming out of Washington these days, but one of the new plans that has generated a lot of conversation, a lot of questions is the Trump Accounts aimed at children.

这个计划是在“一项大而美的法案”中宣布的，但直到今年七月才正式上线。

Now they were announced as part of the one big beautiful bill, but they just went live this past July.

所以我们觉得，最好先梳理一下这些账户的基本情况，这样大家就能判断是否需要跟自己的理财顾问咨询一下。

So we thought it would be great to sort of just break down the kind of, you know, general details of what they are so we can understand if it's something people should be talking to their adviser about.

首先，它们是什么？

First of all, what are they?

什么是特朗普账户？

What is a Trump account?

特朗普账户是一种托管账户，基本上就像个人退休账户一样，是为孩子设立的，他们一出生就可以开户，但要到他们满18岁那年的1月1日才能完全拥有这笔钱。

A Trump account is a custodial account, basically like an IRA, where it's for children that are allowed to open an account as soon as they're born, and they don't receive full ownership of it until January 1 of the year they turn 18.

而且它运作起来像个人退休账户，因为税款是递延的。

And it works like an IRA because the tax on it is deferred.

所以随着账户增长，孩子不用交税，开账户的父母、祖父母或其他人也不用交税。

So as it grows, they aren't responsible of the tax and neither is the parent or grandparent or whoever did open it for them.

我觉得还有一些配套的启动资金，这也是它吸引人的地方。

So I think that there was some offers to seed it with some money as well, which is where the attractiveness comes in.

那么谁有资格呢？是不是每个人都能从政府或政府的合作伙伴那里得到那笔初始投资？

So who qualifies and does everyone get that initial investment from the government or from the government's partners?

这是怎么运作的？

How does that work?

有几种不同的注资方式。

So there's a couple of different funding options.

一种情况是，如果你在2025年1月1日到2028年之间出生，就有资格获得政府存入账户的一千美元，这真是太棒了。

One, you were born 01/01/2025 up until 2028, you are eligible to get a thousand dollars from the government deposited into the account, which is fantastic.

不过你得满足国税局的一些要求，包括必须是美国公民。

You do have to follow some requirements that the IRS has put in place, including being a US citizen.

但国税局的网站上对申请流程有非常详细的说明。

But the IRS website can get really detailed into that application process.

如果你不在那个年龄段内，还有其他获得资金的机会。

But if you aren't within that age bracket, there are other opportunities to be funded.

比如，Dell会给一些符合条件的申请者250美元，前提是你家年总收入不超过15万美元，而且你的邮政编码符合条件。

So, Dell gives $250 to some candidates that apply if you have a salary, a gross salary at your house of $150,000 or less and your zip code lines up.

另外，从8月开始，你还可以从雇主那里获得2500美元的赠款。

You can also now as of August get $2,500 from an employer gift.

比如说，如果Wealthion想给员工提供子女福利，每个员工是2500美元。如果你有两个孩子，你可以选一个孩子，今年把钱全给他，明年再给另一个，或者直接平分。

So say Wealthion wanted to give their employees a child benefit, it's per employee $2,500 So if you have two kids, you could pick your favorite and give one all the money this year and one next year or split it right in half.

这也是个挺有意思的新福利。

But that's a fun little benefit that's come about as well.

这真的很有意思。

That's really interesting.

我很喜欢这个。

I love that.

希望等他们18岁的时候，你们可以再争论这个问题，如果你有偏好的话。

Hopefully, the time they're 18, you can fight about it then if you have a favorite.

这会让节日餐桌上的家庭氛围变得很有趣。

That makes for some great family dynamics at the holiday table.

我是说，这些金额挺有意思的，你可以说，好的，1002.5美元，2500美元，但复利让它变得非常有趣，对吧？

I mean, these amounts are interesting because you can say, okay, dollars $1,002.50, dollars 2,500, but compounding makes it really interesting, right?

我觉得他们想解决的问题是，只要拿到初始资金，然后让它增长，它就能变成……

I think the problem they're trying to solve for is that just getting that initial stake and then letting it grow, it can turn into...

我知道这方面有一些非常惊人的数学计算。

I know there's some pretty amazing math around that.

那么优点和缺点是什么呢？

So what are the advantages and disadvantages?

所以如果你在考虑这个，也许我刚才只提到了一个优点，但除了免费的钱之外，我们为什么要这么做呢？

So if you're thinking about this, and maybe I just talked about one of the advantages, but why would we want to do this aside from the free money?

那有没有什么缺点呢？

And then are there any disadvantages?

所以，任何在孩子出生那天就开户的人，都比我们大多数人开始得早，对吧？

So anyone that's starting an account at the day of birth is ahead of most of us when we started, right?

我可不是一岁就开始投资的。

I didn't invest at one years old.

所以，你是在给这些孩子和孙子孙女一个先发优势，靠的就是你刚才说的复利。

So, you're getting these children and grandchildren just a head start with the compounding interest like you talked about.

就算你只投入1000美元，假设年增长4%，到他们18岁时，这笔钱差不多能翻倍，而且这还没算往里加一分钱。

Even if you only got the $1,000 and it grew at, let's say, 4%, it's almost going to double by the time they're 18, and that's not adding a dollar more to it.

所以这对你的孩子来说就是白来的钱。

So it's free money for your children.

只要条件允许，参与进去真是太划算了。

It just makes so much sense to get into it if you can.

我们频道做的每一件事，目标只有一个：让你成为更敏锐、更明智的投资者，一个能在主流市场反应过来之前，就看清影响你财富的宏观力量的人。

Everything we do on this channel has one goal, to make you a sharper, better informed investor, someone who understands the macro forces shaping your money before the mainstream catches on.

但信息只是其中一半。

But information is only half of it.

另一半是付诸行动。

The other half is acting on it.

这正是Wealthion会员服务的意义所在。

And that's what Wealthion membership is for.

它让你从观看这些对话，到真正把它们应用到自己的投资组合中。

It's how you go from watching these conversations to putting them to work in your own portfolio.

会员服务为你打开三扇门：获得顾问的指导，帮助你把真实资产纳入投资组合，以及对于合格投资者，获得专业基金的渠道。

Membership opens three doors: access to advisors, helping build real assets into your portfolio, and for accredited investors, access to specialized funds.

想了解更多，成为会员的链接就在下方的描述框中。

To learn more, the link to become a member is in the description box below.

我觉得另一个好处是，它不影响你为孩子开设的任何其他账户。

I would say another advantage is that it doesn't relate to any other account you can open for a child.

所以你仍然可以拥有IRA、Roth、UPMA、UGMA等账户。

So you can still have an IRA, a Roth, an UPMA, an UGMA.

你可以有普通的经纪账户、支票账户、储蓄账户。

You can have just a normal brokerage account, checking account, savings account.

你可以自由组合，这真的很棒。

You can mix and match, which is pretty great.

所以，那些让孩子通过营销或其他方式赚点小钱的企业家，可以同时拥有罗斯IRA和这个账户。

So all of these entrepreneurs that have their kids making a little bit of money with marketing or whatever purposes can have their Roth IRA and this one.

我想说，如果你采取这种策略，你也可以在孩子达到工作年龄时，有时是18岁，如果孩子还是被抚养人，可能得等到26岁，但把这个特朗普账户当作IRA来对待，等这个年轻人处于很低的税率档时，把它转入罗斯账户，加到他们的罗斯IRA里，这样以后就能享受更多的免税资金。

I would say if you're taking that strategy, you could also, as soon as the child is of working age, sometimes it's going to be 18, if they're still a dependent, they might have to wait till they're 26, but take this Trump account, it's treated like an IRA, roll it over to a Roth when this young adult is in a very low tax bracket, add it to their Roth, and then it's even more tax free money later on.

他们会有一点税务负担，但我觉得这是我从这个方案中看到的最有利的策略。

They will have that little bit of tax hit, but I would say that's the most advantageous strategy I'm seeing from this.

如果我的客户感兴趣，我们就会讨论这个。

And if my clients are interested, that's what we talk about.

但前提是情况要符合。

But the fact pattern has to be there.

我觉得不是每个美国人都能真正负担得起这些账户，更不用说把它当作优先事项了。

I don't think everyone in America has the means to really fulfill these accounts, much less make it the priority.

有时候优先考虑的是529教育储蓄计划。

Sometimes the priority is a five twenty nine.

有时候就是简单的储蓄。

Sometimes it's simple savings.

还有很多其他需要存钱的地方。

There's lots of other things to save for.

所以我建议你和你的财务顾问聊聊，看看你的优先事项和具体情况。

So I would just say talk to your financial advisor about the priorities and facts that lay into this.

对，这点说得很好。

Yeah, that's a great point.

凡事都是这样，对吧？

As with everything, right?

每个人的情况都不一样，但知道还有这样一个选择总是好的。

Everyone's situation is different, but it's nice to know that there is yet another option.

谁可以往这个账户里存钱？

Who can contribute to this?

所以任何人都可以。

So anyone can.

就像我说的，雇主可以往里存钱。

Like I said, an employer can give to it.

政府甚至可以为那3000美元往里存钱。

The government can even give to it for the 3,000.

父母、祖父母，这可以算作年度赠与豁免的一部分，就是那19000美元。

Parents, grandparents, it can be part of an annual exclusion, the 19,000.

它会算在那里面，但仍然可以作为赠与。

It will count towards that, but it can still be gifted.

甚至慈善机构也可以往里存钱。

Even charities can give to it.

所以，谁可以往里存钱，这一点非常灵活。

So, it's pretty flexible on who can give.

另一个优点或缺点是，最高缴款额是5000美元。所以，根据你的情况，这可能足够了，但比529计划要少得多。

Another advantage or disadvantage is that the maximum contribution is $5,000 So, depending on your dynamic, could be plenty, but it's much less than a $5.29.

所以，这对某些人来说可能是个限制。

So, that could be hindering for some.

这挺有意思的。

It's interesting.

我确实觉得，虽然我不确定这个问题是否合理，但这就是我们喜欢提问的原因。

I do feel like, and I don't even know if this is a reasonable question, but that's why we like to have them.

是不是让别人，比如慈善机构，或者甚至是一个家庭朋友，来给这个账户捐款，比给529计划捐款更容易？

Is is it easier for someone else, like like a charity, like a, you know, even a family friend or someone to contribute to something like this as opposed to a five twenty nine?

因为我知道很多时候，这些账户是通过你个人的现有账户设立的。

Because I know so so many times they're kind of set up through your personal existing.

那能不能……

Can that...

其他类型的账户也是这样吗？这个……

Is that the same with those other types of accounts, does this...

这是不是让这个账户变得特别？

Does that that make this unusual?

你知道，他们正努力让它变得更灵活、更有机会，让更多人能往里捐钱。

You know, they're trying to make it more flexible and more opportunistic for many people to give to it.

我有孩子，我们的教母每年都会亲自往他们的529账户里存钱。

I have kids and our godmother gives to their five twenty nine personally every year.

所以，任何家庭成员都可以选择想给哪个账户捐钱。

So, it's something that any family member can choose which one they want to give to.

我觉得这正好打开了更多选择的机会。

I think this just opens the opportunity for more options.

对，另一个账户。

For another one.

说得好。

That's a great point.

而且，听着，我们有时候说的是孩子，但这对于那些正在考虑下一代能做什么、怎么帮助别人的人来说，也很有参考价值。

And listen, sometimes we're talking child, but this can also be really informative to someone who is, you know, thinking about what they can do in the next generation in ways that they can help people too.

所以这两方面都兼顾了。

So it's both of those things.

如果你生活中有个孩子，我这么说是因为，也许不是你的孩子，如果有你想帮助的人或什么事，这是最好的方式吗？

If if you have a child in your life, and I say that for that reason, maybe it's not your child, if there is someone you want to help or something, is there the best way to do this?

应该一次性投入，马上达到最高限额，还是分散到全年逐步投入更好？

Should it be a one lump sum, hit that maximum contribution right away, or is it better to spread it out incrementally throughout the year?

我觉得这又是一个具体情况具体分析的问题。

I think that's another fact pattern question.

所以如果你有能力一次性投入，你更有可能获得更大的回报，而且复利会在1月份立刻开始起作用。

So if you have the means to lump sum it, you're going to more likely get a lot more bang for your buck, if you will, and the compounding interest will happen right away in January.

但如果你的情况是只能每月投入一定金额，那也这么做，因为总比没有好。

However, if your fact pattern is I can only do it monthly for X amount a year, do that because it's better than nothing.

人们不应该被5000美元这个数字吓到，如果这只是每月工资的一部分。

People shouldn't be intimidated by the $5,000 mark if it's just part of their monthly paycheck.

我也觉得，有些人害怕年初一次性投入，是因为担心1月份市场处于高位，他们想通过全年定投来确保覆盖市场中的所有波动。

I also think that the lump sum at the beginning, some people get afraid of because what if the market's really high in January and they want to dollar cost average through the year to make sure they're hitting all the volatility that happens within the market?

这正是我问这个问题的原因。

That's exactly why I asked.

不过话说回来，这确实得看具体情况。

But again, depends on your circumstance, most certainly.

一旦你存了一笔钱进去，就达到上限了。

If you make a contribution, you hit the limit.

那会不会影响……

Does it affect...

我记得你之前提过，这笔钱不会影响孩子名下的其他账户，但它会影响你作为出资人的资格吗？

I think you mentioned before it doesn't affect the other accounts that child may have, but does it affect your ability as a giver?

你能再讲一遍吗？

Can you just go over that again?

因为刚才聊的时候我没太听明白，到底是……

Because I wasn't clear when we were talking before if it was...

这不会影响收款人或者送礼人的其他账户。

Doesn't affect other accounts for the recipient or for the person who is giving the gift.

对，这对双方个人都没有影响。

It doesn't affect the individuals on either side.

所以，对于赠与人来说，这不会影响他们自己401(k)、IRA、Roth、SEP或其他退休账户的缴款限额，也不会影响实际的税收接收方或孩子。

So, the giver, it does not affect their contribution limit to their own four zero one ks, their IRA or their Roth, simple SEP, whatever retirement account we're speaking of, or the actual tax recipients or the child.

这不会影响他们其他的合格账户，比如IRA、Roth或UTMA。

It doesn't affect their other qualified accounts like an IRA or Roth or UTMA.

所以，在这方面它也很灵活，不会造成阻碍，这很棒。

So, it's flexible in that way too and not hindering, which is great.

如果你是一个可能面临选择的人，现在清楚了吗？

If you're someone who's maybe going to be faced to make a choice, is it clear yet?

我们是否知道这是否比529计划更好，或者如果只能专注于一个，是否比529计划更不利，还是说现在说这个还为时过早？

Do we know whether this is better than 529s, less advantaged to 529s if can only focus on one, or is it too soon to say that yet?

这取决于个人情况。

It's going to depend on the individual.

我现在有很多客户已经全额资助了529计划，以至于他们的孩子可能会把529计划赠送给他们的孙子孙女。

I have a lot of clients right now that have fully funded 529s to the point that their kids will probably gift their 529s to their grandchildren.

所以，如果529计划已经用完了，那可能是考虑这个方向的一个原因。

So, if 529s is maxed out, that's one reason to maybe go this direction.

或者有人发现孩子想上的是“油管大学”，而不是真正的大学。

Or people find that their kids are thinking about going to YouTube university instead an actual college.

所以他们对529计划持怀疑态度。

So, they're skeptical of a five twenty nine.

他们想让529计划更灵活，但即使是其中的罗斯部分，每年进展也很慢。

They're trying to make 529s more flexible, but even the Roth component to it is very slow moving year by year.

所以最终还是要看你对孩子的目标和你想达成什么。

So, it really depends on your goals in the end for the child and what you want to accomplish.

有道理。

That makes sense.

所以529是专门用于教育目的的，而特朗普账户大概就是普通的储蓄账户，用来帮他们积累储蓄。

So five twenty nine specific for education purposes, the Trump Accounts can be used presumably, it's just a savings account to get them growing their savings.

是的。

It is.

不过，它的运作方式像退休账户。

However, it works like a retirement account.

所以这些孩子现在，年龄和规则总是会变，但他们真正能取钱要等到59岁半。

So these kids at the moment, which ages and rules will always change, but they can't truly take money out until they're 59.5.

好的。

Okay.

明白了。

Understood.

然后，如果你不符合这个条件，因为我知道你提到有些收入限制，取决于你住在哪里。

And then if you if if you don't qualify for this, because I know you mentioned there's some salary issues, depends where you live.

现在有很多地方可以去。

There are multiple places to go now.

但如果你不符合那个赠款条件，就是那个首付的赠款，你能在没有那个的情况下开户吗？

But if you don't qualify for the the gift of money, for the initial down payment, can you open them without that?

我觉得答案是肯定的。

I think the answer is yes.

而且，你知道，我觉得这可能是个复杂的问题，但我们刚才聊了529计划。

And, you know, I think this is probably a loaded question, but we talked about 529s.

如果你考虑的是为教育存钱，有哪些选择呢？

What are the options if you're thinking about if you're focused on saving for education?

你知道，我相信就像IRA和Roth账户一样，也有规定允许你为了教育目的取钱。

You know, I'm sure just like an IRA and Roth, there are stipulations where you can withdraw money for educational purposes.

特朗普账户从七月份推出以来，每个月都在出新规。

The Trump accounts are making new rules every month since it came out in July.

所以我告诉所有客户，我们会继续关注，看看它的灵活性如何。

So I tell all my clients we'll just keep watching it and see the flexibility that it has.

但除了529计划，大学里还有预付学费的选择。

But other than a five twenty nine, there are tuition prepaid options within universities.

还有其他选择，比如如果你想的话，可以直接用现金支付。

There's other options of just paying it cash if you want to.

人们可以从自己的账户里赠予，并且还能获得税收减免。

People can gift from their own accounts and get a deduction from it.

所以，教育方面也有很多其他选择。

So, there's lots of other options for education as well.

太好了。

Fantastic.

布兰迪，很高兴和你聊了这么多。

Brandy, so great to catch up with you.

谢谢你帮我们理清了这些。

Thank you for shedding some light on this.

这个话题变化很快，我们得持续关注，但至少让人兴奋的是，现在有更多选择可以考虑了。

It's a fast moving topic, so we're going to have to watch, but at least it's exciting that there are some more options for people to consider.

所以，谢谢你带我们了解这些。

So thanks for walking us through it.

当然。

Of course.

谢谢。

Thank you.