For months, the Trump Accounts program sounded like a headline waiting for details. Now the details are here.

On July 1, 2026, Treasury announced the investment lineup for the accounts, locking in exactly where the money will go once contributions open on July 4.

A day earlier, chipmaker Micron committed $250 million to the program. And the IRS says millions of children have already been signed up before a single dollar has been deposited.

This is what a policy looks like when it stops being a slogan and starts being an account with a ticker symbol attached.

Start with the investment plumbing, because that is what makes any savings program real.

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