<p>预计唐纳德·特朗普总统将在本周分享更多关于备受期待的 “特朗普账户” 的细节，这是一项为新生儿设立政府资助投资计划的倡议。</p>
<p>特朗普将在周三于财政部主持一场活动，届时将有高级政府官员和关键利益相关者出席。</p>
<p><strong>‘特朗普账户’ 的解释：谁符合资格，如何运作以及何时可以申请</strong></p>
<p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2026/01/931/523/trump-accounts-webpage.png/query-dGw9MSZ2ZT0x?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="931" height="523" original-src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2026/01/931/523/trump-accounts-webpage.png/query-dGw9MSZ2ZT0x"/></p>
<p>特朗普账户主页的截图。（白宫）</p>
<p>这些账户隐藏在《一项美丽的大法案》中，功能类似于传统的长期投资工具，但有专门设计的规则来保护年轻储户。</p>
<p>仅对 18 岁以下的人开放，资金来源包括联邦种子资金、家庭的私人捐款，以及在适用情况下，雇主或非营利组织的补充存款。</p>
<p>任何拥有有效社会安全号码的 18 岁以下儿童都可以开设特朗普账户。账户必须由授权成年人（通常是父母、监护人、成年兄弟姐妹或祖父母）来建立。</p>
<p><strong>迈克尔和苏珊·戴尔捐赠 62.5 亿美元用于 ‘特朗普账户’</strong></p>
<p>该计划预计将在 2026 年中期推出，初始捐款将在 7 月 4 日之后进行。2025 年至 2028 年出生婴儿的父母可以通过填写尚未由国税局发布的 IRS 表格 4547，或通过 TrumpAccounts.gov 的在线门户注册来开设账户。</p>
<p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/baby-family-outside-playing-getty.jpg/query-dGw9MSZ2ZT0x?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="931" height="523" original-src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/baby-family-outside-playing-getty.jpg/query-dGw9MSZ2ZT0x"/></p>
<p>财政部将为每个符合条件的儿童的特朗普账户一次性存入 1000 美元。（Getty Images / Getty Images）</p>
<p>在收到申请后，财政部将启动账户激活流程。</p>
<p>财政部将为每个符合条件的儿童的特朗普账户一次性存入 1000 美元。</p>
<p>个人每年还可以向账户贡献最多 5000 美元。此外，来自另一个特朗普账户的资金可以进行转移，这意味着已经在一个特朗普账户中的资金可以直接转入新的或不同的特朗普账户，而不计入年度贡献限额。</p>
<p>参与特朗普账户计划的雇主每年可以贡献最多 2500 美元。</p>
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<p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/dell-family-trump-account.png/query-dGw9MSZ2ZT0x?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="931" height="523" original-src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/dell-family-trump-account.png/query-dGw9MSZ2ZT0x"/></p>
<p>戴尔科技首席执行官迈克尔·戴尔及其妻子苏珊在 2025 年 12 月 2 日于华盛顿特区白宫罗斯福厅宣布戴尔家族向 “特朗普账户” 捐赠 62.5 亿美元时发言。（安德鲁·卡巴列罗 - 雷诺兹/法新社/盖蒂图片社）</p>
<p>然而，关于这些账户实际运作的规则仍在制定中，许多关键细节尚未确定。</p>
<p>到目前为止，国税局仅发布了初步指导，并正在寻求公众意见——这是一个正式的过程，允许父母、金融专家、公司和倡导团体在法规最终确定之前发表意见。</p>
<p>评论期将持续到 2026 年 2 月 20 日，这意味着该计划的许多方面仍可能发生变化。</p>

<p>特朗普总统本周将公布有关 “特朗普账户” 储蓄计划的细节，该计划旨在为新生儿建立政府资助的投资账户。该倡议是《一项伟大的美丽法案》的组成部分，将为符合条件的 18 岁以下儿童提供一次性 1000 美元的存款，并允许家庭和雇主进行额外的贡献。该计划预计将在 2026 年中期启动，但许多操作细节仍在最终确定中，公众意见征集将持续到 2026 年 2 月</p>

<p>President Donald Trump is expected to share more details this week about the highly-anticipated &#34;Trump accounts,&#34; an initiative that would set up newborns with a government-funded investment program.</p>
<div class="lb-trans"><p>预计唐纳德·特朗普总统将在本周分享更多关于备受期待的 “特朗普账户” 的细节，这是一项为新生儿设立政府资助投资计划的倡议。</p>
</div><p>Trump will headline an event on Wednesday at the Department of Treasury alongside senior administration officials and key stakeholders.</p>
<div class="lb-trans"><p>特朗普将在周三于财政部主持一场活动，届时将有高级政府官员和关键利益相关者出席。</p>
</div><p><strong>‘TRUMP ACCOUNTS,’ EXPLAINED: WHO QUALIFIES, HOW THEY WORK AND WHEN YOU CAN CLAIM</strong></p>
<div class="lb-trans"><p><strong>‘特朗普账户’ 的解释：谁符合资格，如何运作以及何时可以申请</strong></p>
</div><p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2026/01/931/523/trump-accounts-webpage.png/query-dGw9MSZ2ZT0x" alt="" original-src="https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2026/01/931/523/trump-accounts-webpage.png?ve=1&amp;tl=1"/></p>
<p>A screenshot of the Trump Account's homepage. (White House)</p>
<div class="lb-trans"><p>特朗普账户主页的截图。（白宫）</p>
</div><p>Tucked inside the One Big Beautiful Bill Act, the accounts function much like traditional long-term investment vehicles, but with rules specifically designed to protect young savers.</p>
<div class="lb-trans"><p>这些账户隐藏在《一项美丽的大法案》中，功能类似于传统的长期投资工具，但有专门设计的规则来保护年轻储户。</p>
</div><p>Available only to those under 18, they’re funded through federal seed money, private contributions from families and, when applicable, supplemental deposits from employers or nonprofit organizations.</p>
<div class="lb-trans"><p>仅对 18 岁以下的人开放，资金来源包括联邦种子资金、家庭的私人捐款，以及在适用情况下，雇主或非营利组织的补充存款。</p>
</div><p>A Trump account can be opened for any child under 18 years old who has a valid Social Security number. An authorized adult, typically a parent, guardian, adult sibling or grandparent, must be the one to establish the account.</p>
<div class="lb-trans"><p>任何拥有有效社会安全号码的 18 岁以下儿童都可以开设特朗普账户。账户必须由授权成年人（通常是父母、监护人、成年兄弟姐妹或祖父母）来建立。</p>
</div><p><strong>MICHAEL AND SUSAN DELL DONATE $6.25B TO FUND 'TRUMP ACCOUNTS'</strong></p>
<div class="lb-trans"><p><strong>迈克尔和苏珊·戴尔捐赠 62.5 亿美元用于 ‘特朗普账户’</strong></p>
</div><p>The program is scheduled to become available in mid-2026, with initial contributions occurring after July 4. Parents of babies born in 2025 through 2028 may open an account by completing IRS Form 4547, which has not yet been issued by the IRS, or by enrolling via the online portal at TrumpAccounts.gov.</p>
<div class="lb-trans"><p>该计划预计将在 2026 年中期推出，初始捐款将在 7 月 4 日之后进行。2025 年至 2028 年出生婴儿的父母可以通过填写尚未由国税局发布的 IRS 表格 4547，或通过 TrumpAccounts.gov 的在线门户注册来开设账户。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/baby-family-outside-playing-getty.jpg/query-dGw9MSZ2ZT0x" alt="" original-src="https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/baby-family-outside-playing-getty.jpg?ve=1&amp;tl=1"/></p>
<p>Treasury will make a one-time $1,000 deposit into every eligible child’s Trump account. (Getty Images / Getty Images)</p>
<div class="lb-trans"><p>财政部将为每个符合条件的儿童的特朗普账户一次性存入 1000 美元。（Getty Images / Getty Images）</p>
</div><p>After the application is received, the Department of the Treasury will initiate the account activation process.</p>
<div class="lb-trans"><p>在收到申请后，财政部将启动账户激活流程。</p>
</div><p>Treasury will make a one-time $1,000 deposit into every eligible child’s Trump account.</p>
<div class="lb-trans"><p>财政部将为每个符合条件的儿童的特朗普账户一次性存入 1000 美元。</p>
</div><p>Individuals can also contribute up to $5,000 per year to the account. In addition, funds from another Trump account may be rolled over, meaning money already held in one Trump account can be transferred directly into a new or different Trump account without counting toward the annual contribution limit.</p>
<div class="lb-trans"><p>个人每年还可以向账户贡献最多 5000 美元。此外，来自另一个特朗普账户的资金可以进行转移，这意味着已经在一个特朗普账户中的资金可以直接转入新的或不同的特朗普账户，而不计入年度贡献限额。</p>
</div><p>Employers participating in a Trump account program may contribute up to $2,500 per year.</p>
<div class="lb-trans"><p>参与特朗普账户计划的雇主每年可以贡献最多 2500 美元。</p>
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</div><p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/dell-family-trump-account.png/query-dGw9MSZ2ZT0x" alt="" original-src="https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/dell-family-trump-account.png?ve=1&amp;tl=1"/></p>
<p>Michael Dell, CEO of Dell Technologies and his wife Susan speak during an announcement of a $6.25 billion donation from the Dell family to &#34;Trump Accounts,&#34; in the Roosevelt Room of the White House in Washington, DC on December 2, 2025. (Andrew Caballero-Reynolds/ AFP/Getty Images / Getty Images)</p>
<div class="lb-trans"><p>戴尔科技首席执行官迈克尔·戴尔及其妻子苏珊在 2025 年 12 月 2 日于华盛顿特区白宫罗斯福厅宣布戴尔家族向 “特朗普账户” 捐赠 62.5 亿美元时发言。（安德鲁·卡巴列罗 - 雷诺兹/法新社/盖蒂图片社）</p>
</div><p>However, the rules governing how these accounts will actually operate are still being written, and many key details remain unsettled.</p>
<div class="lb-trans"><p>然而，关于这些账户实际运作的规则仍在制定中，许多关键细节尚未确定。</p>
</div><p>So far, the IRS has issued only preliminary guidance and is now seeking public input — a formal process that allows parents, financial experts, companies and advocacy groups to weigh in before the regulations are finalized.</p>
<div class="lb-trans"><p>到目前为止，国税局仅发布了初步指导，并正在寻求公众意见——这是一个正式的过程，允许父母、金融专家、公司和倡导团体在法规最终确定之前发表意见。</p>
</div><p>The comment period runs through Feb. 20, 2026, meaning many aspects of the program are still subject to change.</p>
<div class="lb-trans"><p>评论期将持续到 2026 年 2 月 20 日，这意味着该计划的许多方面仍可能发生变化。</p>
</div>

预计特朗普将在本周分享有关 “特朗普账户” 储蓄计划的新细节