핵심요약

• 30개사 이상이 트럼프 계좌의 초기 입금 1,000달러를 매칭할 것을 약속하며, 각사의 기여금액은 다릅니다.
• 20개 주가 행정부의 '50개 주 도전'에 참여해 계좌 자금을 지원하고 있습니다.
• 연간 2,500달러까지 입금 가능하며, 연간 5,000달러가 한도입니다.
• 2025년 1월 1일부터 2028년 12월 31일까지 태어난 어린이에게 정부가 1,000달러를 지원합니다.

도입

트럼프 계좌는 어린이의 미래를 위한 저축을 촉진하기 위한 새로운 제도입니다. 이 제도가 시장과 투자자에게 중요한 이유는, 기업과 주 정부의 적극적인 참여가 예상되기 때문입니다. 특히, 30개사 이상의 기업과 20개 주가 자금을 지원하겠다는 약속은 이 제도의 성공 가능성을 높이는 중요한 요소입니다.

본문 1: 기업의 참여와 그 의미

30개사 이상의 기업이 트럼프 계좌의 초기 입금 1,000달러를 매칭할 것을 약속했습니다. 이 중에는 금융기관, 기술 기업, 소비자 기업 등이 포함되어 있습니다. 예를 들어, Bank of America, JPMorgan Chase, Visa 등 주요 금융기관이 참여하고 있습니다. 이는 기업들이 사회적 책임과 함께 투자 기회를 동시에 고려하고 있음을 보여줍니다. 또한, 기업의 참여는 트럼프 계좌의 신뢰성을 높이고, 더 많은 개인과 기관이 참여할 가능성을 열어줍니다.

본문 2: 주 정부의 역할과 '50개 주 도전'

20개 주가 행정부의 '50개 주 도전'에 참여해 트럼프 계좌 자금을 지원하고 있습니다. 이는 주 정부가 어린이의 미래를 위한 저축을 촉진하기 위해 적극적인 역할을 하고 있음을 보여줍니다. 특히, 주 정부의 참여는 트럼프 계좌의 전국적 확산을 촉진할 수 있는 중요한 요소입니다. 또한, 주 정부의 참여는 트럼프 계좌의 자금 조달을 안정화시키고, 더 많은 어린이가 혜택을 받을 수 있도록 합니다.

본문 3: 트럼프 계좌의 장점과 한계

트럼프 계좌는 어린이의 미래를 위한 저축을 촉진하기 위한 중요한 도구입니다. 특히, 초기 입금 1,000달러와 연간 2,500달러까지 입금 가능한 한도는 어린이의 저축을 촉진하는 데 도움이 됩니다. 그러나, 트럼프 계좌의 성공을 위해서는 더 많은 기업과 주 정부의 참여가 필요합니다. 또한, 트럼프 계좌의 자금 관리에 대한 투명성과 효율성이 보장되어야 합니다.

결론

트럼프 계좌는 어린이의 미래를 위한 저축을 촉진하기 위한 새로운 제도입니다. 30개사 이상의 기업과 20개 주의 참여는 이 제도의 성공 가능성을 높이는 중요한 요소입니다. 그러나, 트럼프 계좌의 성공을 위해서는 더 많은 기업과 주 정부의 참여가 필요하며, 자금 관리에 대한 투명성과 효율성이 보장되어야 합니다. 향후, 트럼프 계좌의 확산과 그 효과를 주목할 필요가 있습니다.

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원문 링크: https://finance.yahoo.com/personal-finance/banking/article/these-are-all-the-companies-pledging-matching-funds-to-trump-accounts-155809477.html

These are all the companies pledging matching funds to Trump accounts

Millions of Trump accounts, the new savings accounts for children, will be funded with an initial deposit of $1,000 from the U.S. Treasury. So far, nearly three dozen companies and philanthropists have pledged to match that seed money with their own donations. Experts say savings accounts, along with employer contributions, could help reframe the conversation about saving early for children's futures. How Trump accounts work While any child under 18 with a Social Security number can establish the IRA-like savings account, only those born between Jan. 1, 2025, and Dec. 31, 2028, get a $1,000 deposit directly from the government as one-time seed money. Parents and their employers, family members, friends — really anyone — can contribute up to $2,500 per year, beginning on July 5, with a $5,000 annual cap on contributions. Charitable organizations and state governments can also make contributions, which do not count against the annual limit. So far, Treasury Secretary Scott Bessent says 20 U.S. states are working to meet the administration's "50 State Challenge" to help fund the accounts. Nearly three dozen companies and philanthropists have pledged to match donations. Below is an updated list. Each company's matching contribution may vary. Read more: Trump accounts explained: How they work, who qualifies Companies pledging matching funds to Trump accounts Financial Acorns Bank of America Bank of New York Mellon Corporation BlackRock Charles Schwab Chime Citi Empower Investment Company Institute JPMorgan Chase Mastercard Robinhood Russell Investments SoFi Technologies State Street Visa Wells Fargo Tech Block, Inc. Broadcom Coinbase Dell Technologies IBM Intel Nvidia Consumer/Corporate Charter Communications Chipotle Mexican Grill Comcast Continental Resources Rupert Murdoch's News Corp. and Fox Corp. Steak 'n Shake Turning Point USA Uber Nonprofits and philanthropists Michael and Susan Dell are providing eligible children aged 10 and under who live in ZIP codes with a median income of $150,000 or less a contribution of $250. The commitment is estimated at $6.25 billion. Hedge fund founder Ray Dalio and his wife, Barbara, pledged $250 each to about 300,000 children living in Connecticut ZIP codes in households with median incomes below $150,000. Altimeter Capital CEO Brad Gerstner said he would donate $250 to each Indiana child under five with a Trump account. Rap artist and songwriter Nicki Minaj has pledged $150,000 to $300,000 to the Trump accounts of her fans' children. Will matching money initiatives for Trump accounts truly spark American savings? Citi is one of the most recent additions to the list of contributing companies above, announcing its matching program on Feb. 5. "Matched savings programs have a long track record of helping families take that first step toward building assets, and we’re excited about the possibilities that Trump accounts can open up for Americans," Brandee McHale, president of the Citi Foundation, told Yahoo Finance. McHale added that helping households understand Trump accounts and assisting with account openings will be key to the initiative's success. The Citi Foundation has pledged $5 million to boost program awareness, encourage participation, and provide enrollment support. Lindsey Stanberry, family financial advisor for Babylist.com, an online resource for growing families, agrees that Trump accounts may serve as an opportunity to "shift the conversation" in helping families save for their children's futures as early as possible. She notes that the employer-matching feature works much like a 401(k) plan. "Adding the cash incentive could encourage more families to prioritize investing in these accounts," Stanberry said. "While the goal of these accounts is to help build wealth for all American children, ultimately, it will be easier for families who have access to employer matching programs." She hopes to see "a growing wave of corporate participation," and that employers will support both full-time and hourly employees. Other child savings accounts to consider IRAs, 529 plans, and education savings accounts are already options for families to consider, in addition to the new Trump accounts. "Trump accounts and 529 accounts are similar in that the money in them can be used to pay for college, but with a Trump account, your child could also use the money to buy a home, or they could hold on to it to use in retirement," Stanberry noted. 529 accounts have much higher contribution limits, and investment earnings aren't taxed when used to pay for qualified education expenses. Meanwhile, taxes are paid on the investment earnings in Trump accounts when you withdraw the money, just as with traditional IRAs. "I think of these like tools in a toolbox, and you don't have to choose just one," Stanberry added. "Families can open a Trump account to take advantage of the $1,000 seed money and any employer match while also contributing to a 529 to maximize their child's educational funding." Babylist.com has a page comparing Trump accounts and 529s that can help you navigate the differences. Read more: Trump accounts vs. IRAs and 529s: How do they stack up?

Source: https://finance.yahoo.com/personal-finance/banking/article/these-are-all-the-companies-pledging-matching-funds-to-trump-accounts-155809477.html