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Jet2017

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- Jet2017Jet2017
  ·12-18 18:29
  功在当代，利在千秋！
  一文读懂“特朗普账户”：给新生儿发1000美元买股票，18年后能变成多少钱？
  “特朗普账户”计划拟为新生儿提供1000美元，投资美股以积累财富。基于标普指数年均10.5%的增长率计算，此笔资金在孩子18岁时或可增至约5800美元，退休时可能达约60万美元；若家庭每年追加投资，18岁时账户价值或超30万美元。该计划因税收优惠不足及可能遗漏低收入家庭而面临公平性质疑。
  一文读懂“特朗普账户”：给新生儿发1000美元买股票，18年后能变成多少钱？
  14 评论
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- Jet2017Jet2017
  ·10-25
  青铜，完全是看运气
  517 评论
  1
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- Jet2017Jet2017
  ·10-20
  黄金还要涨，肯定是黄金
  1,130 评论
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- Jet2017Jet2017
  ·10-14
  雷军都不开小米，居然有人敢买？
  990 评论
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- Jet2017Jet2017
  ·10-06
  嫦娥肯定是只买SPY,天上的神仙做事谨慎
  829 评论
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- Jet2017Jet2017
  ·10-03
  中秋快乐
  728 评论
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- Jet2017Jet2017
  ·10-03
  中秋快乐
  761 评论
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- Jet2017Jet2017
  ·10-01
  涨得太厉害了，该稳一稳了
  1,168 评论
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- Jet2017Jet2017
  ·10-01
  特斯拉，上海工厂速度最快！
  684 评论
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- Jet2017Jet2017
  ·10-01
  看看身边越来越多特斯拉的车，直接看多
  996 评论
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15:05","market":"fut","language":"zh","title":"一文读懂“特朗普账户”：给新生儿发1000美元买股票，18年后能变成多少钱？","url":"https://stock-news.laohu8.com/highlight/detail?id=2592514922","media":"华尔街见闻","summary":"“特朗普账户”计划拟为新生儿提供1000美元，投资美股以积累财富。基于标普指数年均10.5%的增长率计算，此笔资金在孩子18岁时或可增至约5800美元，退休时可能达约60万美元；若家庭每年追加投资，18岁时账户价值或超30万美元。该计划因税收优惠不足及可能遗漏低收入家庭而面临公平性质疑。","content":"<html><head></head><body><blockquote><p>“特朗普账户”计划拟为新生儿提供1000美元，投资美股以积累财富。基于标普指数年均10.5%的增长率计算，此笔资金在孩子18岁时或可增至约5800美元，退休时可能达约60万美元；若家庭每年追加投资，18岁时账户价值或超30万美元。该计划因税收优惠不足及可能遗漏低收入家庭而面临公平性质疑。</p></blockquote><p style=\"text-align: left;\">美国财政部长贝森特在12月17日晚间发表最新讲话，重申了旨在扩大美国民众持股比例的“特朗普账户”计划的核心愿景。</p><p style=\"text-align: left;\">贝森特指出，目前仍有38%的美国人不持有任何股票，而该计划的目标是将这一比例降至零。作为“大漂亮法案”的重要组成部分，该计划试图通过政府注资与复利效应，重塑美国家庭的资产负债表。</p><p style=\"text-align: left;\">根据美国财政部最新披露的细节及白宫经济顾问委员会（CEA）的测算，这一计划将在数十年内产生显著的财富效应。贝森特在讲话中预计，若按照标普500指数年均10.5%的增长率计算，<strong>政府为符合条件的新生儿一次性存入的1000美元种子资金，到其退休年龄时有望增至约60万美元。</strong></p><p style=\"text-align: left;\">而在高收益情境下，若家庭能够每年通过私人资金顶格追加投资，<strong>该账户在孩子年满18岁时价值可能超过30万美元，在28岁时甚至可能突破100万美元。</strong></p><p style=\"text-align: left;\">这一计划不仅是共和党缩小贫富差距的政策尝试，也是一种旨在培育新一代“资本家”的长期社会实验。根据计划，美国政府将为2025年至2028年出生的儿童建立投资账户，<strong>资金将主要流向跟踪美股大盘的指数基金。</strong></p><p style=\"text-align: left;\">财政部表示，该举措并非意在取代社会保障体系，而是为其提供补充，<strong>让更多美国人直接参与到企业价值创造的分配中</strong>。</p><p style=\"text-align: left;\">然而，尽管市场对这一新增的被动资金流表示关注，该计划在执行细节与税务效率上仍面临争议<strong>。批评人士认为其税收优惠力度不足，且可能因以家庭报税为入口而遗漏低收入群体。</strong>与此同时，金融服务业正在密切关注该计划的公私合作模式，尤其是<strong>财政部将如何遴选管理这些庞大资金的私营机构，这将直接影响未来的市场格局。</strong></p><h2 id=\"id_2682265788\" style=\"text-align: left;\">长期复利效应显著，千元种子资金或可增值至数十万美元</h2><p style=\"text-align: left;\">根据The Hill及NEXSTAR报道，美国财政部与CEA为该账户描绘了详尽的收益前景。</p><p style=\"text-align: left;\">该计划的核心在于利用时间复利。对于2025年1月1日至2028年12月31日出生的儿童，美国财政部将自动存入1000美元的种子资金。若没有任何额外追加投入，仅靠这1000美元的初始资金，在18年后预计将增值至5800美元，而在28年后将达到1.81万美元。</p><p style=\"text-align: left;\">若家庭每年能额外存入250美元，孩子成年时的账户价值预计为2.07万美元。而在最乐观的情境下，即家庭或捐赠者每年均达到5000美元的缴款上限，该账户在受让人18岁时将拥有超过30万美元的资产。</p><p style=\"text-align: left;\">这笔资金有着严格的锁定期与用途限制。IRS说明指出，资金需等到受益人年满18岁后方可支取，且主<strong>要用于特定用途，如高等教育支出、购买首套房产或创业。</strong></p><h2 id=\"id_359753043\" style=\"text-align: left;\">资金来源与结构多元化，政府、企业及个人均可注资</h2><p style=\"text-align: left;\">“特朗普账户”采用了更为灵活的资金来源结构，除联邦财政拨款外，还引入了企业主、慈善家及州政府的资金。</p><p style=\"text-align: left;\">根据NEXSTAR的消息，对于不符合1000美元种子资金资格的10岁及以下（2025年前出生）儿童，若居住在家庭收入中位数低于15万美元的地区，将获得由戴尔科技创始人Michael Dell及其妻子捐赠的62.5亿美元资金支持，每人一次性发放250美元。此外，对冲基金巨头Ray Dalio夫妇也将为康涅狄格州的符合条件儿童额外提供250美元资助。</p><p style=\"text-align: left;\">在追加投资方面，该计划允许法定监护人、其他个人及私营实体进行注资。个人年度供款上限为5000美元，雇主可为员工子女账户贡献最多2500美元（计入总上限），这些限额将随通胀进行年度调整。</p><p style=\"text-align: left;\">该计划预计将于2026年7月4日后正式开放首批注资，家长需通过填写Form 4547表格或登录白宫将于明年7月上线的专用网站进行注册。</p><h2 id=\"id_2470897203\" style=\"text-align: left;\">计划面临双重质疑：税收优惠不足与注册机制或遗漏低收入群体</h2><p style=\"text-align: left;\">尽管愿景宏大，但据Politico报道，税务专家与民主党人士指出了该计划在设计上的缺陷。与529教育储蓄计划不同，“特朗普账户”的资金来源于税后收入，且支取时也需纳税。</p><p style=\"text-align: left;\">前拜登政府高级税务官员Greg Leiserson指出，受益人可能需要就部分收益支付普通所得税率，这在某些情况下甚至不如直接开设传统经纪账户所享受的资本利得税待遇优惠。他认为，由于税收优惠“微乎其微”，除了领取政府免费发放的1000美元外，大多数家庭的额外追加意愿可能非常有限。</p><p style=\"text-align: left;\">此外，注册机制也引发了对覆盖率的担忧。目前主要倾向于让父母在报税时选择加入（opt-in），Aspen Institute的Ray Boshara警告称，这可能会遗漏那些不需要报税或报税不规范的低收入家庭，从而违背缩小贫富差距的初衷。</p><p style=\"text-align: left;\">众议员Don Beyer批评该计划是“错失的良机”，认为其更侧重于政治噱头而非实质性帮助低收入者。民主党方面已提出竞对方案，如参议员Cory Booker提出的给予低收入家庭更多资金支持的法案。</p><h2 id=\"id_2598892601\" style=\"text-align: left;\">培养“股东一代”</h2><p style=\"text-align: left;\">除去具体的财务计算，该计划背后的意识形态意图十分明显。</p><p style=\"text-align: left;\">非营利组织Invest America的执行董事Matt Lira表示，美国经济在创造财富方面表现出色，但如果未持有像股票这样能产生复利的资产，就无法参与这种价值创造。他指出，通过让年轻人亲自体验投资系统，可以让他们对资本市场体系产生更有利的看法。</p><p style=\"text-align: left;\">对于金融市场而言，这意味着未来将有一笔稳定的、长期的被动资金流入追踪标普500等指数的基金。目前，金融服务行业已向财政部发出警告，若仅选择单一公司独家运营该项目，其他机构将缺乏向公众推广该计划的动力。</p><p style=\"text-align: left;\">目前，包括Uber、Dell和Charter Communications在内的部分企业已表示有意为员工子女的账户供款。</p></body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>一文读懂“特朗普账户”：给新生儿发1000美元买股票，18年后能变成多少钱？</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ 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class=\"title\">\n一文读懂“特朗普账户”：给新生儿发1000美元买股票，18年后能变成多少钱？\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-12-18 15:05 北京时间&nbsp;&nbsp;&nbsp;<a href=https://wallstreetcn.com/articles/3761622><strong>华尔街见闻</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>“特朗普账户”计划拟为新生儿提供1000美元，投资美股以积累财富。基于标普指数年均10.5%的增长率计算，此笔资金在孩子18岁时或可增至约5800美元，退休时可能达约60万美元；若家庭每年追加投资，18岁时账户价值或超30万美元。该计划因税收优惠不足及可能遗漏低收入家庭而面临公平性质疑。美国财政部长贝森特在12月17日晚间发表最新讲话，重申了旨在扩大美国民众持股比例的“特朗普账户”计划的核心愿景。...</p>\n\n<a href=\"https://wallstreetcn.com/articles/3761622\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/dc363119be7c8f2363fc47d29b0f62f7","relate_stocks":{"BK4008":"航空公司","BK4500":"航空公司"},"source_url":"https://wallstreetcn.com/articles/3761622","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2592514922","content_text":"“特朗普账户”计划拟为新生儿提供1000美元，投资美股以积累财富。基于标普指数年均10.5%的增长率计算，此笔资金在孩子18岁时或可增至约5800美元，退休时可能达约60万美元；若家庭每年追加投资，18岁时账户价值或超30万美元。该计划因税收优惠不足及可能遗漏低收入家庭而面临公平性质疑。美国财政部长贝森特在12月17日晚间发表最新讲话，重申了旨在扩大美国民众持股比例的“特朗普账户”计划的核心愿景。贝森特指出，目前仍有38%的美国人不持有任何股票，而该计划的目标是将这一比例降至零。作为“大漂亮法案”的重要组成部分，该计划试图通过政府注资与复利效应，重塑美国家庭的资产负债表。根据美国财政部最新披露的细节及白宫经济顾问委员会（CEA）的测算，这一计划将在数十年内产生显著的财富效应。贝森特在讲话中预计，若按照标普500指数年均10.5%的增长率计算，政府为符合条件的新生儿一次性存入的1000美元种子资金，到其退休年龄时有望增至约60万美元。而在高收益情境下，若家庭能够每年通过私人资金顶格追加投资，该账户在孩子年满18岁时价值可能超过30万美元，在28岁时甚至可能突破100万美元。这一计划不仅是共和党缩小贫富差距的政策尝试，也是一种旨在培育新一代“资本家”的长期社会实验。根据计划，美国政府将为2025年至2028年出生的儿童建立投资账户，资金将主要流向跟踪美股大盘的指数基金。财政部表示，该举措并非意在取代社会保障体系，而是为其提供补充，让更多美国人直接参与到企业价值创造的分配中。然而，尽管市场对这一新增的被动资金流表示关注，该计划在执行细节与税务效率上仍面临争议。批评人士认为其税收优惠力度不足，且可能因以家庭报税为入口而遗漏低收入群体。与此同时，金融服务业正在密切关注该计划的公私合作模式，尤其是财政部将如何遴选管理这些庞大资金的私营机构，这将直接影响未来的市场格局。长期复利效应显著，千元种子资金或可增值至数十万美元根据The Hill及NEXSTAR报道，美国财政部与CEA为该账户描绘了详尽的收益前景。该计划的核心在于利用时间复利。对于2025年1月1日至2028年12月31日出生的儿童，美国财政部将自动存入1000美元的种子资金。若没有任何额外追加投入，仅靠这1000美元的初始资金，在18年后预计将增值至5800美元，而在28年后将达到1.81万美元。若家庭每年能额外存入250美元，孩子成年时的账户价值预计为2.07万美元。而在最乐观的情境下，即家庭或捐赠者每年均达到5000美元的缴款上限，该账户在受让人18岁时将拥有超过30万美元的资产。这笔资金有着严格的锁定期与用途限制。IRS说明指出，资金需等到受益人年满18岁后方可支取，且主要用于特定用途，如高等教育支出、购买首套房产或创业。资金来源与结构多元化，政府、企业及个人均可注资“特朗普账户”采用了更为灵活的资金来源结构，除联邦财政拨款外，还引入了企业主、慈善家及州政府的资金。根据NEXSTAR的消息，对于不符合1000美元种子资金资格的10岁及以下（2025年前出生）儿童，若居住在家庭收入中位数低于15万美元的地区，将获得由戴尔科技创始人Michael Dell及其妻子捐赠的62.5亿美元资金支持，每人一次性发放250美元。此外，对冲基金巨头Ray Dalio夫妇也将为康涅狄格州的符合条件儿童额外提供250美元资助。在追加投资方面，该计划允许法定监护人、其他个人及私营实体进行注资。个人年度供款上限为5000美元，雇主可为员工子女账户贡献最多2500美元（计入总上限），这些限额将随通胀进行年度调整。该计划预计将于2026年7月4日后正式开放首批注资，家长需通过填写Form 4547表格或登录白宫将于明年7月上线的专用网站进行注册。计划面临双重质疑：税收优惠不足与注册机制或遗漏低收入群体尽管愿景宏大，但据Politico报道，税务专家与民主党人士指出了该计划在设计上的缺陷。与529教育储蓄计划不同，“特朗普账户”的资金来源于税后收入，且支取时也需纳税。前拜登政府高级税务官员Greg Leiserson指出，受益人可能需要就部分收益支付普通所得税率，这在某些情况下甚至不如直接开设传统经纪账户所享受的资本利得税待遇优惠。他认为，由于税收优惠“微乎其微”，除了领取政府免费发放的1000美元外，大多数家庭的额外追加意愿可能非常有限。此外，注册机制也引发了对覆盖率的担忧。目前主要倾向于让父母在报税时选择加入（opt-in），Aspen Institute的Ray Boshara警告称，这可能会遗漏那些不需要报税或报税不规范的低收入家庭，从而违背缩小贫富差距的初衷。众议员Don Beyer批评该计划是“错失的良机”，认为其更侧重于政治噱头而非实质性帮助低收入者。民主党方面已提出竞对方案，如参议员Cory Booker提出的给予低收入家庭更多资金支持的法案。培养“股东一代”除去具体的财务计算，该计划背后的意识形态意图十分明显。非营利组织Invest America的执行董事Matt Lira表示，美国经济在创造财富方面表现出色，但如果未持有像股票这样能产生复利的资产，就无法参与这种价值创造。他指出，通过让年轻人亲自体验投资系统，可以让他们对资本市场体系产生更有利的看法。对于金融市场而言，这意味着未来将有一笔稳定的、长期的被动资金流入追踪标普500等指数的基金。目前，金融服务行业已向财政部发出警告，若仅选择单一公司独家运营该项目，其他机构将缺乏向公众推广该计划的动力。目前，包括Uber、Dell和Charter 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