{"id":19597,"date":"2026-07-14T16:19:28","date_gmt":"2026-07-14T23:19:28","guid":{"rendered":"https:\/\/www.soundcu.com\/?p=19597"},"modified":"2026-07-14T16:19:31","modified_gmt":"2026-07-14T23:19:31","slug":"understanding-trump-accounts","status":"publish","type":"post","link":"https:\/\/www.soundcu.com\/es\/blog\/understanding-trump-accounts\/","title":{"rendered":"Entendiendo las cuentas Trump: Una nueva forma de ahorrar para el futuro de su hijo."},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__blue co-flex_row__long-form-text co-flex_row__next_row__related-products\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Entendiendo las cuentas Trump: Una nueva forma de ahorrar para el futuro de su hijo.<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content\"><p>Recent legislation introduced a new savings option for children called a <strong>Trump Account<\/strong> (also known as a <strong>Section 530A account<\/strong>). While the details are still new to many families, the concept is simple: helping children get an earlier start on long-term investing.<\/p>\n<p>If you&#8217;ve heard the term but aren&#8217;t sure what it means, here&#8217;s a straightforward overview.<\/p>\n<h2><strong>What Is a Trump Account?<\/strong><\/h2>\n<p>A <a href=\"https:\/\/www.trumpaccounts.gov\/\" rel=\"noopener\">Trump Account<\/a> is a new type of investment account created for children under age 18. The account is intended to help families build long-term savings and provide young people with a financial foundation as they grow into adulthood.<\/p>\n<p>A parent or legal guardian opens and oversees the account until the child reaches age 18.<\/p>\n<p>Current guidance indicates that:<\/p>\n<ul>\n<li>Eligible children under age 18 can have an account established on their behalf.<\/li>\n<li>Parents, family members, and certain employers may contribute to the account.<\/li>\n<li>Children born between January 1, 2025, and December 31, 2028, who meet federal eligibility requirements may qualify for a one-time $1,000 government contribution.<\/li>\n<li>Earnings grow on a tax-deferred basis under current rules.<\/li>\n<li>Investments are generally limited to broad, diversified investment options such as index funds.<\/li>\n<li>Once the child reaches adulthood, the account transitions to a traditional IRA structure under current guidance. (<a href=\"https:\/\/www.irs.gov\/pub\/irs-drop\/n-25-68.pdf\" rel=\"noopener\">Notice 2025-68<\/a>)<\/li>\n<\/ul>\n<p>Because regulations and implementation details may change, families should review the latest information from the IRS and consult a qualified tax or financial professional before making decisions.<\/p>\n<h2><strong>Why Starting Early Matters<\/strong><\/h2>\n<p>Whether you&#8217;re saving through a Trump Account, a <a href=\"https:\/\/www.soundcu.com\/es\/personal\/high-yield-savings\/#education-savings\">529 education savings plan<\/a>, a custodial account, or another investment vehicle, one principle remains the same:<\/p>\n<h3><strong>Time is one of the most powerful tools in building savings.<\/strong><\/h3>\n<p>Starting early can provide several advantages:<\/p>\n<h3><strong>More Time for Growth<\/strong><\/h3>\n<p>The longer money remains invested, the greater its opportunity to benefit from compound growth. Even modest contributions made consistently over time can add up significantly.<\/p>\n<h3><strong>Building Healthy Financial Habits<\/strong><\/h3>\n<p>Saving for a child&#8217;s future often encourages regular contributions and long-term planning. These habits can help families stay focused on larger financial goals.<\/p>\n<h3><strong>A Dedicated Purpose<\/strong><\/h3>\n<p>Separating long-term savings from everyday spending can help keep future goals on track, whether those goals involve education, retirement, or other milestones later in life.<\/p>\n<h3><strong>Creating Financial Conversations<\/strong><\/h3>\n<p>Saving for children can also create opportunities to teach age-appropriate financial lessons about budgeting, saving, investing, and planning ahead.<\/p>\n<h3><strong>Is a Trump Account Right for Your Family?<\/strong><\/h3>\n<p>Every family&#8217;s financial situation is unique. A Trump Account may be worth exploring if you&#8217;re looking for an additional way to save for a child&#8217;s future, but it should be considered alongside other savings and investment options.<\/p>\n<p>Before opening any new account, it&#8217;s important to understand:<\/p>\n<ul>\n<li>Eligibility requirements<\/li>\n<li>Contribution limits<\/li>\n<li>Withdrawal restrictions<\/li>\n<li>Tax implications<\/li>\n<li>How the account fits into your broader financial goals<\/li>\n<\/ul>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__blue co-flex_row__next_row_diff co-flex_row__related-products co-flex_row__next_row__single-path-cta\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-rel_prods\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Long Term Investments are Rarely One-Size-Fits-All<\/h2><div class=\"co-intro_text--intro\"><p>At Sound Credit Union, we\u2019re committed to helping our members understand their options and make informed choices for their families. Explore Sound&#8217;s savings and investment solutions to start building a foundation of savings.<\/p>\n<\/div>\t\t<\/header>\n\t\t\t\t<div class=\"co-rel_prods--cols prow prow-md:2 justify-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rel_prods--col\">\n\t\t\t\t\t\t<h3 class=\"co-rel_prods--col_title\">Certificados<\/h3><div class=\"co-rel_prods--col_desc\">Los intereses se capitalizan mensualmente y las cuentas se pueden renovar f\u00e1cilmente una vez que vencen.<\/div><a class=\"co-rel_prods--col_cta\" href=\"https:\/\/www.soundcu.com\/es\/personal\/certificates\/\" target=\"_blank\" aria-label=\"M\u00e1s informaci\u00f3n sobre los certificados\">Leer m\u00e1s<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-rel_prods--col\">\n\t\t\t\t\t\t<h3 class=\"co-rel_prods--col_title\">Planificaci\u00f3n de la jubilaci\u00f3n<\/h3><div class=\"co-rel_prods--col_desc\">Encuentra recursos para la planificaci\u00f3n de la jubilaci\u00f3n, asesoramiento sobre inversiones y herramientas dise\u00f1adas para ayudarte a alcanzar tus objetivos financieros a largo plazo.<\/div><a class=\"co-rel_prods--col_cta\" href=\"https:\/\/www.soundcu.com\/es\/personal\/retirement-planning\/\" target=\"_blank\" aria-label=\"Read more about Retirement Planning\">Leer m\u00e1s<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-rel_prods--col\">\n\t\t\t\t\t\t<h3 class=\"co-rel_prods--col_title\">Bienestar financiero<\/h3><div class=\"co-rel_prods--col_desc\"><a href=\"https:\/\/www.soundcu.com\/es\/\">Sound Credit Union<\/a> se enorgullece de colaborar con <a href=\"https:\/\/www.greenpath.com\/soundcu\" rel=\"noopener\">Bienestar financiero de GreenPath<\/a> Proporcionar a los miembros acceso a asesoramiento financiero personalizado, servicios de gesti\u00f3n de deudas y herramientas de educaci\u00f3n financiera.<\/div><a class=\"co-rel_prods--col_cta\" href=\"https:\/\/www.soundcu.com\/es\/financial-education\/wellness\/\" target=\"_blank\" aria-label=\"Read more about Financial Wellness\">Leer m\u00e1s<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-rel_prods--col\">\n\t\t\t\t\t\t<h3 class=\"co-rel_prods--col_title\">Ahorros de alto rendimiento<\/h3><div class=\"co-rel_prods--col_desc\">Ideales para quienes mantienen un saldo elevado, nuestras cuentas escalonadas ofrecen una mayor rentabilidad que las cuentas de ahorro tradicionales y, adem\u00e1s, permiten acceder a sus fondos las 24 horas del d\u00eda.<\/div><a class=\"co-rel_prods--col_cta\" href=\"https:\/\/www.soundcu.com\/es\/personal\/high-yield-savings\/\" target=\"_blank\" aria-label=\"Lea m\u00e1s sobre las cuentas de ahorro de alto rendimiento.\">Leer m\u00e1s<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__next_row_diff co-flex_row__single-path-cta co-flex_row__next_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<svg class=\"co-sp_cta__svg\" width=\"488.512\" height=\"338.101\" viewbox=\"0 0 488.512 338.101\">\n\t\t\t<path class=\"co-sp_cta__svg--path_big\" d=\"M488.512,163.324C337.738,308.387,172.875,346.284,6.386,332.445c-12.895-1.072-2.726.507,0-169.121C7.666,83.681-1.682,4.826,3.448,4.309,177.337-13.221,346.255,19.454,488.512,163.324Z\"\/>\n\t\t\t<path class=\"co-sp_cta__svg--path_small\" d=\"M408.431,63.648c-126.358,121.572-278.108,50-408.431,0C129.644,19.327,291.966-54.138,408.431,63.648Z\" transform=\"translate(0 207.52)\" fill=\"#efc025\"\/>\n\t<\/svg>\n\t<div class=\"co-sp_cta\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Sound is Here to Help<\/h2><div class=\"co-intro_text--intro\"><p>Whether you\u2019re <a href=\"https:\/\/www.soundcu.com\/es\/personal\/kids-savings-account\/\">planning for a child\u2019s future<\/a>, building emergency <a href=\"https:\/\/www.soundcu.com\/es\/personal\/open-a-savings-account\/\">ahorros<\/a>, or preparing for <a href=\"https:\/\/www.soundcu.com\/es\/personal\/retirement-planning\/\">jubilaci\u00f3n<\/a>, our team is here to help you navigate the road ahead.<\/p>\n<\/div>\t\t<\/header>\n\t<a class=\"co-sp_cta--button gtm-button\" href=\"\/es\/contact\/\"  >Cont\u00e1ctarnos<\/a><a class=\"co-sp_cta--link\" href=\"\/es\/branches\/\"  >Visite una sucursal local.<\/a>\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__blue co-flex_row__last co-flex_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Divulgaciones<\/h2>\n\t\t<div class=\"co-disclosures--content\">\n\t\t\t<div class=\"small-text\">\n<p>For specific tax advice, consult a tax advisor.<\/p>\n<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Una cuenta Trump es un nuevo tipo de cuenta de inversi\u00f3n creada para ni\u00f1os menores de 18 a\u00f1os, con el objetivo de ayudar a las familias a acumular ahorros a largo plazo y proporcionar a los j\u00f3venes una base financiera a medida que crecen y se convierten en adultos. <a href=\"https:\/\/www.soundcu.com\/es\/blog\/understanding-trump-accounts\/\">Contin\u00faa leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":10,"featured_media":19599,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_searchwp_excluded":"","footnotes":""},"categories":[50],"tags":[],"class_list":["post-19597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-finances"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/posts\/19597","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/comments?post=19597"}],"version-history":[{"count":13,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/posts\/19597\/revisions"}],"predecessor-version":[{"id":19614,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/posts\/19597\/revisions\/19614"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/media\/19599"}],"wp:attachment":[{"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/media?parent=19597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/categories?post=19597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/tags?post=19597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}