News Brief: Michael and Susan Dell Pledge $6.25 Billion for Children’s Investment Accounts
Summary
Michael Dell and his wife Susan have committed $6.25 billion to seed investment accounts for approximately 25 million American children, marking the largest philanthropic pledge ever devoted to American children. This initiative complements a new federal program.
Key Points
- Record Pledge: The $6.25 billion donation is the largest ever for U.S. children, facilitated through the nonprofit Invest America.
- Target Recipients: Funds will seed “Trump accounts” with $250 each for 25 million children aged 10 and under in areas with a median income of $150,000 or less, who are ineligible for the upcoming federal grants.
- Federal Program Link: A new government program will provide a $1,000 federal grant to seed similar accounts for U.S. citizens born from 2025-2028. Parents can open and contribute starting July 4, 2026.
- Account Rules: “Trump accounts” can only invest in low-cost U.S. stock index funds. Withdrawals are prohibited until age 18, after which assets roll into an IRA and are taxed upon withdrawal.
- Inspiration & Goal: Michael Dell was inspired by hedge fund manager Brad Gerstner. The aim is to encourage lifelong saving, increase educational/economic outcomes, and inspire further large-scale philanthropy.
- Corporate Action: Dell Technologies will match the $1,000 federal grant for children of its employees.
新闻简报：迈克尔和苏珊·戴尔承诺捐赠62.5亿美元用于儿童投资账户
摘要
迈克尔·戴尔及其妻子苏珊承诺捐赠62.5亿美元，为约2500万美国儿童的投资账户提供初始资金，这是有史以来针对美国儿童的最大慈善承诺。该倡议与一项新的联邦计划相辅相成。
关键点
- 创纪录的承诺：这笔62.5亿美元的捐赠是通过非营利组织”投资美国”进行，是美国儿童相关事业中最大的一笔。
- 目标受益者：资金将为2500万名10岁及以下、家庭所在地邮编区域收入中位数不超过15万美元的儿童，向其”特朗普账户”各存入250美元初始资金。这些儿童因年龄无法获得即将推出的联邦补助。
- 与联邦计划关联：一项新的政府计划将为2025年至2028年出生的美国公民提供1000美元的联邦补助，用于开设同类账户。家长可从2026年7月4日开始开户并存入资金。
- 账户规则：“特朗普账户”只能投资于低成本的美国股票指数基金。资金在儿童年满18岁前不得提取，之后资产将转入个人退休账户，提款时需缴税。
- 灵感与目标：迈克尔·戴尔的灵感来自对冲基金经理布拉德·格斯特纳。目标是鼓励终身储蓄，提高教育和经济成果，并激励更多大规模慈善捐赠。
- 企业行动：戴尔科技公司将为其员工的新生儿匹配1000美元的联邦补助。
Original Article Link: https://www.cnbc.com/2025/12/02/michael-susan-dell-trump-accounts.html