Trump Accounts for Kids: How To Kickstart Your Kids Future, LFG Daily - January 8, 2026

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Trump Accounts for Kids: A Head Start on Wealth (If You Use It Right)

One of the most interesting financial planning developments coming out of Washington is the creation of Trump Accounts for children. Love politics or hate it, this is a real, tangible opportunity for parents and grandparents to give kids a massive financial head start.

And like every new program, the families who understand it early will benefit the most.

Let’s break it down in plain English.

What Is a Trump Account?

A Trump Account is a government-backed investment account created for children. Think of it as a long-term wealth-building tool, not a savings account.

Here’s the big headline:

Kids born between 2025 and 2028 receive a $1,000 government-funded starter deposit.

Free money. Invested in the market. Compounding for nearly two decades.

That alone is powerful. But what really matters is what families do after that.

How It Works

Once the account is opened:

• The money must be invested (not sitting in cash)

• Typically in diversified stock market index funds

• Funds are locked until age 18

• Parents, grandparents, and even employers can contribute

• Annual contributions allowed (up to government limits)

• Growth is tax-deferred

At 18, the child gains control and can use the funds for:

• College or trade school

• Starting a business

• Buying a first home

• Other major life expenses

In other words: this is a wealth-launching pad.

Why This Is a Big Deal

Most Americans don’t start investing until their 30s or 40s. By then, the most powerful asset in finance — time — is already gone.

Trump Accounts flip that script.

They force investing to start at birth.

And when you combine:

• Decades of compounding

• Consistent contributions

• Market growth

You get something most families never experience:multi-generational momentum.

The Power of Compounding (Real Numbers)

Let’s assume a child is born in 2026 and receives the $1,000 seed money.

Scenario 1: Do Nothing (Just the $1,000)

Assuming ~8% annual market returns:

• Age 18 → ~$4,000 – $5,800• Age 25 → ~$8,500 – $10,000• Age 35 → ~$20,000+

That’s from one deposit.

Now let’s get serious.

Scenario 2: Family Adds $2,000 Per Year

• Age 18 → ~$75,000• Age 25 → ~$130,000• Age 35 → ~$350,000+

That’s life-changing money for a young adult.

Scenario 3: Maxing Contributions (~$5,000/year)

• Age 18 → ~$300,000+• Age 25 → ~$500,000+• Age 35 → $1 million+

Read that again.

A million dollars by 35.From starting early and staying consistent.

This is how wealthy families think. Not about next year…But about next generation.

How Families Should Use This Strategically

1️⃣ Open It Immediately

The earlier the account is open, the longer the money compounds. Time is the real asset here.

2️⃣ Automate Contributions

Even small monthly amounts matter.$100/month = $1,200/year = huge over 18 years.

3️⃣ Keep It Invested

Markets go up.

Markets go down.

Long-term markets go up.

This account rewards patience.

4️⃣ Use It Alongside Other Tools

This doesn’t replace:

• 529 plans

• Roth IRAs

• Custodial accounts

It complements them.

Smart planning stacks advantages.

The Bigger Picture

This isn’t about politics.This is about ownership.

Ownership of:

• Assets

• Opportunity

• Future freedom

Wealth is built slowly, then all at once.

Trump Accounts give families a rare gift:a forced head start.

The families who treat this like a real investment tool — not a gimmick — will create options for their kids most people only dream about.

College without debt.A business without loans.A home without stress.

That’s what real financial planning looks like.

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

Colin Symons, CIO Lloyd Financial Group

Early jobs data looks good enough, with ADP showing private jobs growth and JOLTS showing the usual low-hire, low-fire environment.

The slow-motion grind down in the jobs market continues.

Did a trade today and wanted to mention that I opted to go from a quality company to a quality company.

I expect higher prices, but this isn’t an environment where I’d go all-in on risk. The tailwinds are positive, but not howlingly-so like you saw around 2020.

We have jobs data Thursday but the big Kahuna is Friday, where we have monthly Payrolls, along with a potential Supreme Court decision on tariffs.

There are likely investors who want to, and will wait for Friday to make big moves, but this breakout action creates some pressure for them.

For our part, we got bullish into liquidity and positioning stress in Q4 and will wait to see what comes.

I believe the odds support nothing bad enough to derail upside, so we stay positive. If anything changes enough, we’ll change.

Again, this isn’t the time to take insane risk, but it should be constructive for a while. My guess is eventually the liquidity push fades before anything really bad happens.

That would necessitate position changes, but no sign we’re close currently. Thus, we stay pretty bullish, though not at 2020 degen-like levels.

One last point to make-- there are still trend systems that are just now getting bullish. Assuming nothing goes too wrong, that can continue for a while. There are still people getting in the pool.

JOLTS was weak at 7.146MM vs. exp. 7.61MM. Interestingly, the Quits rate was high, at 2% vs. prev. 1.8% and Layoffs was also lower at 1.1% vs. prev. 1.2%. Fewer job openings, but labor doesn’t seem to be feeling much pressure. This is a combo with September and October data, so the data may be a bit messy.

ADP bounced to 41K but that was short of the 50K estimate, with strong pay growth. Nothing wrong with that.

ISM Services PMI was quite strong, at 54.4 vs. est. 52.3. New Orders really picked up, to 57.9.

Factory Orders were -1.3% m/m vs. exp. -1.2%, while Durable Goods Orders were -2.2%, as expected.

A good way to look at this is the combo of that data was good enough to move odds of a January rate cut from 18% to 12%. Maybe that’s a little low, but Payrolls on Friday will have a lot to say about that.

In general Services, roughly 75% of the economy, looks good, and Manufacturing looks a bit weak.

Challenger reported 36K job cuts, a 17-month low. Low hire, low fire continues.

Trump pushed to ban institutions from buying single-family homes. Good for mortgage companies like RKT, institutional buyers (BX, INVH, AMH) and, to a lesser extent, homebuilders (XHB.)

Trump also said he wouldn’t allow defense companies to pay dividends or stock buybacks and limit executive compensation unless they spent to improve the business. That sent Aerospace (ITA) stocks down -1.4%. Worth noting we saw a good bounce after-hours as he also said he wanted to greatly increase defense spending from $1T to $1.5T.

China is approving limited NVDA chip purchases.

Japanese wage growth slowed down greatly, at 0.5% Y/Y vs. exp. 2.3%, stoking some recession concerns.

At the end of the day, it mostly looked like a reversion of the previous day, with Mag 7 outperforming the rest.

Apparently, Jim Cramer turned bearish, while WFC says a big squeeze is coming. Choose your fighter, I guess.

Jobless Claims today will be another closely watched number, along with Labor Productivity.

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

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