SeedlistParent guide · Source retrieved Oct 26, 2026
Can a Trump Account lose money?
Yes, the balance can go down as well as up. Money in a Trump Account is invested from the day it arrives in an index fund that tracks the S&P 500 (currently SPYM), so the balance moves with the stock market and can be higher or lower than what was deposited. There’s no way to choose a different investment yet.
Practical suggestions
These are Seedlist’s suggestions, not additional program rules.
- Treat it as a long-term stock investment, not a savings account you may need to draw on soon.
Keep going
When can the money be taken out? What happens at 18?Before the year your child turns 18, money generally can’t be taken out.Who can add money, and how much?Family members, employers and others can contribute.What is the money invested in, and are there fees?Until the year your child turns 18, the money must be in a mutual fund or ETF that tracks the S&P 500 or another index made up mainly of U.S.