<p>預計唐納德·特朗普總統將在本週分享更多關於備受期待的 “特朗普賬户” 的細節，這是一項為新生兒設立政府資助投資計劃的倡議。</p>
<p>特朗普將在週三於財政部主持一場活動，屆時將有高級政府官員和關鍵利益相關者出席。</p>
<p><strong>‘特朗普賬户’ 的解釋：誰符合資格，如何運作以及何時可以申請</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>特朗普賬户主頁的截圖。（白宮）</p>
<p>這些賬户隱藏在《一項美麗的大法案》中，功能類似於傳統的長期投資工具，但有專門設計的規則來保護年輕儲户。</p>
<p>僅對 18 歲以下的人開放，資金來源包括聯邦種子資金、家庭的私人捐款，以及在適用情況下，僱主或非營利組織的補充存款。</p>
<p>任何擁有有效社會安全號碼的 18 歲以下兒童都可以開設特朗普賬户。賬户必須由授權成年人（通常是父母、監護人、成年兄弟姐妹或祖父母）來建立。</p>
<p><strong>邁克爾和蘇珊·戴爾捐贈 62.5 億美元用於 ‘特朗普賬户’</strong></p>
<p>該計劃預計將在 2026 年中期推出，初始捐款將在 7 月 4 日之後進行。2025 年至 2028 年出生嬰兒的父母可以通過填寫尚未由國税局發佈的 IRS 表格 4547，或通過 TrumpAccounts.gov 的在線門户註冊來開設賬户。</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>財政部將為每個符合條件的兒童的特朗普賬户一次性存入 1000 美元。（Getty Images / Getty Images）</p>
<p>在收到申請後，財政部將啓動賬户激活流程。</p>
<p>財政部將為每個符合條件的兒童的特朗普賬户一次性存入 1000 美元。</p>
<p>個人每年還可以向賬户貢獻最多 5000 美元。此外，來自另一個特朗普賬户的資金可以進行轉移，這意味着已經在一個特朗普賬户中的資金可以直接轉入新的或不同的特朗普賬户，而不計入年度貢獻限額。</p>
<p>參與特朗普賬户計劃的僱主每年可以貢獻最多 2500 美元。</p>
<p><strong>點擊這裏獲取福克斯商業新聞的移動版</strong></p>
<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>戴爾科技首席執行官邁克爾·戴爾及其妻子蘇珊在 2025 年 12 月 2 日於華盛頓特區白宮羅斯福廳宣佈戴爾家族向 “特朗普賬户” 捐贈 62.5 億美元時發言。（安德魯·卡巴列羅 - 雷諾茲/法新社/蓋蒂圖片社）</p>
<p>然而，關於這些賬户實際運作的規則仍在制定中，許多關鍵細節尚未確定。</p>
<p>到目前為止，國税局僅發佈了初步指導，並正在尋求公眾意見——這是一個正式的過程，允許父母、金融專家、公司和倡導團體在法規最終確定之前發表意見。</p>
<p>評論期將持續到 2026 年 2 月 20 日，這意味着該計劃的許多方面仍可能發生變化。</p>

<p>特朗普總統本週將公佈有關 “特朗普賬户” 儲蓄計劃的細節，該計劃旨在為新生兒建立政府資助的投資賬户。該倡議是《一項偉大的美麗法案》的組成部分，將為符合條件的 18 歲以下兒童提供一次性 1000 美元的存款，並允許家庭和僱主進行額外的貢獻。該計劃預計將在 2026 年中期啓動，但許多操作細節仍在最終確定中，公眾意見徵集將持續到 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>預計唐納德·特朗普總統將在本週分享更多關於備受期待的 “特朗普賬户” 的細節，這是一項為新生兒設立政府資助投資計劃的倡議。</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>特朗普將在週三於財政部主持一場活動，屆時將有高級政府官員和關鍵利益相關者出席。</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>‘特朗普賬户’ 的解釋：誰符合資格，如何運作以及何時可以申請</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>特朗普賬户主頁的截圖。（白宮）</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>這些賬户隱藏在《一項美麗的大法案》中，功能類似於傳統的長期投資工具，但有專門設計的規則來保護年輕儲户。</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>僅對 18 歲以下的人開放，資金來源包括聯邦種子資金、家庭的私人捐款，以及在適用情況下，僱主或非營利組織的補充存款。</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>任何擁有有效社會安全號碼的 18 歲以下兒童都可以開設特朗普賬户。賬户必須由授權成年人（通常是父母、監護人、成年兄弟姐妹或祖父母）來建立。</p>
</div><p><strong>MICHAEL AND SUSAN DELL DONATE $6.25B TO FUND 'TRUMP ACCOUNTS'</strong></p>
<div class="lb-trans"><p><strong>邁克爾和蘇珊·戴爾捐贈 62.5 億美元用於 ‘特朗普賬户’</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>該計劃預計將在 2026 年中期推出，初始捐款將在 7 月 4 日之後進行。2025 年至 2028 年出生嬰兒的父母可以通過填寫尚未由國税局發佈的 IRS 表格 4547，或通過 TrumpAccounts.gov 的在線門户註冊來開設賬户。</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>財政部將為每個符合條件的兒童的特朗普賬户一次性存入 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>在收到申請後，財政部將啓動賬户激活流程。</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>財政部將為每個符合條件的兒童的特朗普賬户一次性存入 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>個人每年還可以向賬户貢獻最多 5000 美元。此外，來自另一個特朗普賬户的資金可以進行轉移，這意味着已經在一個特朗普賬户中的資金可以直接轉入新的或不同的特朗普賬户，而不計入年度貢獻限額。</p>
</div><p>Employers participating in a Trump account program may contribute up to $2,500 per year.</p>
<div class="lb-trans"><p>參與特朗普賬户計劃的僱主每年可以貢獻最多 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>戴爾科技首席執行官邁克爾·戴爾及其妻子蘇珊在 2025 年 12 月 2 日於華盛頓特區白宮羅斯福廳宣佈戴爾家族向 “特朗普賬户” 捐贈 62.5 億美元時發言。（安德魯·卡巴列羅 - 雷諾茲/法新社/蓋蒂圖片社）</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，關於這些賬户實際運作的規則仍在制定中，許多關鍵細節尚未確定。</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>到目前為止，國税局僅發佈了初步指導，並正在尋求公眾意見——這是一個正式的過程，允許父母、金融專家、公司和倡導團體在法規最終確定之前發表意見。</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>評論期將持續到 2026 年 2 月 20 日，這意味着該計劃的許多方面仍可能發生變化。</p>
</div>

預計特朗普將在本週分享有關 “特朗普賬户” 儲蓄計劃的新細節