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Question

What happens when a Trump account beneficiary turns 18?

Answer

Beginning January 1 of the year the beneficiary turns 18, contributions must stop. While the account is still considered a Trump account, it functions like an IRA from then on.

Related FAQs

Can I have a Trump account and a 529 plan for my child? What about a Trump account and a custodial IRA?

How many Trump accounts can I open at once for my child?

When can I open a Trump account?

Why do so many families lose wealth from one generation to the next, and what can be done about it?
Family & Health Educational Planning Retirement Planning Parenthood OBBBA Generational Wealth FAQs
Last Updated May 20, 2026
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How To Open a Trump Account for Your Child

Trump Accounts (Section 530A) let families invest up to $5,000 a year for any child under 18 — plus a $1,000 federal pilot contribution for kids born 2025 to 2028.

Financial Planning FAQ

What happens to a Trump Account when my child turns 18?

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