Invest America Accounts
What is an Invest America Account?
Parents and families can add contributions of up to $5,000 per year, but no investing knowledge is needed—the account is professionally managed for you. Funds are locked until the child turns 18, ensuring the money remains invested throughout their childhood with earnings growing tax free. Children born between 2025 and 2029 will receive a one time $1,000 initial pilot program contribution from the US Treasury in their year of birth.
Non-profits like the Dell and Dalio Foundation can fund your child’s account without ANY limits depending upon their Pledge. In 2026, Dell has pledged to fund $250 to every child 10 and under in the US who opens an account and Dalio has pledged to provide another $250 to CT resident children under the age of 10. Both contributions, once an account is opened for the child, will be dependent upon zip codes where income is < $150,000.
SimplifyCT’s goal is to help guide every family once the enrollment portal opens up to sign up their eligible children.
The long term goal is simple: to give every young American a real financial foundation for education, homeownership, retirement, and lifelong opportunity by building generational wealth.
Funds in an Invest America Account are locked until the child turns 18.This ensures the money is protected and has time to grow. Once the account holder becomes an adult, the account turns into a Traditional IRA and they can begin using the funds for important milestones in life. Qualified expenses include:
-Education: Tuition, fees, and other costs for college or professional training.
-Homeownership: A down payment on a first home.
-Entrepreneurship: Seed money to start a business.
Any money not used stays in the account, continuing to be invested and compounding over time. This creates both an immediate boost at age 18 and a lasting source of long-term financial security.
If you start with the $1,000 seed and contribute just $750 per year, and the account earns the historical 8% annual return of the stock market, that account could grow to more than $48,000 by the time your child turns 18. That’s not just a number on a statement—it represents a down payment on a first home, tuition at a university, or startup capital to pursue a dream.
Anyone can contribute to an Invest America Account—parents, grandparents, relatives, friends, and even employers. Each child can receive up to $5,000 in contributions per year, and the money grows tax-free until age 18. Contributions are flexible, so families can add small amounts over time or larger gifts all at once.