Why This matters
The Challenge
For many families, early investing opportunities can feel complex or inaccessible. Clear information, trusted messengers, and timely outreach are critical to ensuring families who want to participate have the opportunity to do so.
By working alongside national, regional, and community-based partners, we are building a shared understanding of how to:
Communicate clearly about 530A (Trump) Accounts
Reach families at key decision moments (e.g., tax season)
Reduce confusion and increase confidence
Support long-term wealth-building outcomes
Because enrollment for these accounts is not automatic, without timely intervention, the best opportunities to reach and enroll millions of children born or eligible in 2025 and 2026 may be missed.
$1,000 contribution with no further deposits
A child who receives the $1,000 in this account at birth will start adulthood with nearly $3,000 or reach retirement (age 65) with over $44,000 invested (assuming modest 6% returns), even if no other deposits are made to the account.
Spline chart. Data table with 2 rows and 4 columns follows.
| Initial | Adulthood | Retirement | |
|---|---|---|---|
| No additional contributions | 1,000 | 3,000 | 44,000 |
Our approach
What we do
Commonwealth is conducting research to better understand how families, particularly those living on low-to-moderate incomes, learn about and engage with these new investing accounts for children seed funded by the United States Federal Government. The research aims to provide a roadmap for how trusted partners can help increase awareness of the government’s $1,000 seed fund.
These accounts represent a new investing opportunity designed to help families build assets early—allowing families to jump-start savings for the next generation.
14 million eligible babies across the U.S. born between 2025 and 2028 may qualify for the $1,000 federal seed funding.
5.8 million from households living on LMI may qualify for the seed funding
530A (Trump) Account Partner Toolkit
Turning Research Into Guidance
The 530A (Trump) Account Partner Toolkit translates research findings into actionable guidance, sample language, and AI prompts that organizations can adapt for their audiences and communications channels. Together, the research and toolkit help organizations move families from awareness to understanding and informed action with greater clarity, relevance, and confidence.
Family Guide
Helping to Access 530A Accounts
A new generation of children has access to 530A (Trump) Accounts, including a $1,000 federal seed contribution for eligible children born between 2025 and 2028. Eligibility alone doesn’t guarantee families will benefit. Clear, trusted, and targeted communications will be essential to helping families understand, access, and sustain this historic investing opportunity.
Who’s involved
Resources
Join the work
Partner with us
Partner with Commonwealth to help families begin investing early, foster an investor identity, and test messages and innovative strategies that expand participation and long-term wealth-building. Join us in building and scaling solutions that make early investing more accessible for families across the country.
