米べい資産家しさんかデル氏し夫妻ふさい、子こども向むけ資産形成制度しさんけいせいせいど「トランプ・アカウント」へ約やく9700億円おくえんを寄付きふ――社会的しゃかいてき格差かくさ是正ぜせいに向むけた新あたらたな一歩いっぽ

American business tycoon Michael Dell and his wife Susan have announced that they will donate a total of $625 million about 970 billion yen to the new asset formation system, the Trump Account, which will be established by the Trump administration in early 2025.

This system aims to provide initial funds to newborns born in the United States and support asset building, attracting attention as an initiative to correct social inequality.

According to the non-profit organization Invest America, the Dells donation is scheduled to provide $250 for each child under the age of 10 born before January 1, 2025.

Furthermore, President Donald Trump announced the establishment of the Trump Savings Account as part of a big and beautiful bill in early 2025, and plans to promote this system in collaboration with CEOs such as David Solomon of Goldman Sachs and Dara Khosrowshahi of Uber.

This program plans to provide an initial investment of $1,000 approximately ¥155,800 in an investment account for children born in the United States between January 1, 2025, and January 1, 2029.

The $250 donation from the Dell family will be added to this $1,000, but it is limited to children living in areas where the average household income is less than $150,000 about 23 million yen.

According to USA Today, Mr. Dell met with President Trump at the White House on the 1st and officially announced this donation.

Furthermore, the U.S. Department of the Treasury and the Internal Revenue Service plan to issue detailed guidance regarding this system.

In an interview with CNBC, Mr. Dell suggested that he has been having discussions with other anonymous philanthropists and that there is a possibility of further donations in the future.

This investment account was originally known as the “Money Account for Growth and Advancement MAGA Account,” and was first proposed by Senator Ted Cruz of Texas.

Newborns are automatically enrolled in this program, and parents or guardians can contribute up to an additional $5,000 approximately ¥778,900 per year.

The contributed amount is invested in an index fund linked to the broad stock market, and the beneficiary can withdraw up to 50% of the balance when they reach the age of 18, and is permitted to withdraw the full amount for legitimate purposes such as small business loans or university education when they reach the age of 25.

Also, after the age of 30, you can withdraw the full amount without any restrictions on the purpose of use.

However, please note that this account is different from tax-advantaged plans like a “529 Plan” or “Roth IRA.” Contributions are made with after-tax money, and when you withdraw funds, either long-term capital gains tax or regular federal income tax will be applied.