GiveyourchildaheadstartontheAmericanDream.
The Invest America program gives every American child a $1,000 investment account, backed by the U.S. Treasury. Bloom helps you make the most of it.
The information on this page is for educational purposes only and may not reflect current program details. Eligibility, amounts, and program terms are subject to change. Bloom is not affiliated with the U.S. government or the Invest America program and makes no guarantees regarding enrollment, approval, or investment outcomes. This is not tax, legal, or investment advice. Consult a qualified professional before making financial decisions.
How Invest America Works
Every child gets $1,000
The government seeds each account through IRS Form 4547. Over 4 million children already registered.
Money grows tax-free
Invested in diversified U.S. index funds. No fees, no taxes on earnings while the money grows.
Open a Bloom account at 13
Create a custodial account with Bloom when your child turns 13. Get AI-powered education, copy trading, and parental controls.
At 18, it’s theirs
Use it for education, a home, starting a business — or keep it invested and watch it compound.
Your child's investment grows with them.
Contributing is optional. The balance will continue to grow over time, with or without contributions.
At age 18
At age 27
At age 55
Based on historical S&P 500 averages (9.9% annualized return). Past performance does not guarantee future results. All investing involves risk, including loss of principal.
Start building their future with Bloom.
Claim your account
Sign up at trumpaccounts.gov and file IRS Form 4547 for your child.
Choose Bloom
When rollovers open, select Bloom as your investment provider.
Add contributions
Optionally contribute up to $5,000/year. Employers can add $2,500.
Watch it grow
AI-powered education, real-time tracking, and $0 fees.
Bloom Exclusive
Copy the world's best investors.
Top investors like Warren Buffett make billions each year. They're legally required to reveal their portfolios. With Bloom, your child can copy their exact strategy with one tap.
Warren Buffett
Berkshire Hathaway
Cathie Wood
ARK Invest
Jim Simons
Renaissance Technologies
Mirroring
Buffett
+24.8%
This year
Disclosure: We offer an automated investment strategy (the “Auto Portfolio”) that seeks to construct and rebalance client portfolios based, in whole or in part, on publicly available information derived from Form 13F filings submitted to the SEC by certain institutional investment managers and other market participants. Form 13F filings are inherently delayed and may be filed up to 45 days after the end of each calendar quarter. As a result, there may be a significant lag between the positions disclosed in a 13F filing and the execution of transactions in client accounts. Securities reflected in the Auto Portfolio may no longer be held, or may have been materially changed, by the applicable filer at the time client trades are executed. Client portfolios will not be identical to the actual holdings or strategies of any 13F filer. Form 13F filings do not disclose all asset classes, derivatives, short positions, hedging activity, cash positions, or intraperiod trading, and therefore do not reflect the full investment strategy or risk management practices of any filer. The Auto Portfolio involves investment risk, including the possible loss of principal, and may result in concentrated exposure to certain securities, sectors, or investment styles. There is no guarantee that the strategy will achieve its investment objective or that following 13F-based strategies will be profitable. Clients invest at their own risk and should carefully consider whether this strategy is appropriate for their individual circumstances.
Why families choose Bloom
The official program uses a basic brokerage. Bloom goes further — with AI mentoring, copy trading, gamified education, and real parental controls designed for teens.
Investment Profile Report01 · Diagnosis
The Analytical Fundamentalist
Style
Value Investing
Risk
Low-Moderate
Horizon
15+ years
Performance DNA
02 · Institutional Match
State Farm Mutual Auto Insurance
TOP MATCHAUM
$127.3B
+6.2% QoQ
1Y Return
+24.4%
5Y Return
+74.4%
Capital Flow
$-770.8M
Turnover
1.7%
Holdings
116
ETF %
15.5%
Top Buys & Sells
04 · AI Blueprint
Analytical Fundamentalist 15-Stock Index
+9 more assets
Personalized for every parent
Get your family's custom Investment Profile Report
Answer a few quick questions about your goals, risk tolerance, and values. We'll generate a professional report with your investor personality, matched portfolio strategy, and a custom AI-built portfolio — all before you invest a dollar.
Bloomie AI — your child’s investing mentor
Unlike basic trading apps, Bloom includes Bloomie — a personal AI assistant that explains market moves, answers questions in plain English, and builds custom portfolios aligned with your child’s goals.
Personality quiz + personalized learning
Every child learns differently. Bloom starts with a personality quiz to tailor 5,000+ adaptive lessons — matching your child’s style, pace, and interests.
Zero commissions, zero fees
No trading fees, no account fees, no hidden costs. While other platforms profit from payment for order flow, your child’s $1,000 works harder when nothing is eaten by fees.
Parental controls built for teens 13+
Full oversight from your own dashboard. Approve trades, set spending limits, restrict asset types, and monitor activity in real time — designed specifically for the 13–18 custodial window.
Copy trading from top investors
One-tap copy trading lets your child mirror portfolios of proven investors and financial experts. Learn strategy by following the best — not by gambling on meme stocks.
Gamified learning: tournaments & streaks
Investing tournaments, daily streaks, achievement badges, and risk-free paper trading. Bloom turns financial education into a game your child actually wants to play.
Ready to give your child the best start?
Join 2M+ families already investing with Bloom. Free to sign up.
Nurturing today's childhood
for tomorrow's future.
Bloom isn't just an investing app. It's a philosophy: give children the tools to build wealth on their own terms.
01.
Learn-First Investing
Financial literacy before the first trade. 5,000+ lessons build real knowledge so your child invests with confidence, not impulse.
02.
Parent-Guided
You stay in control. Approve trades, set guardrails, and watch their progress. Bloom keeps parents in the loop without hovering.
03.
Federally Protected
SIPC-insured accounts through SEC-registered partners. Your child's future is backed by the same protections as any major brokerage.
04.
Legacy Transfer
When they're ready, the account is theirs. Built to fund college, a first home, a business, or the next generation's head start.
Your questions, answered honestly.
We've heard the concerns. Here are the facts.
“Is this actually real?”
Yes. Created under the One Big, Beautiful Bill Act and administered by the U.S. Treasury. Over 4 million children have already been registered. This is a real federal program.
“Isn’t this just a 529 plan?”
No. 530A accounts are different — they come with government seed money ($1,000), can be used for more than education, invest in U.S. stock index funds, and have no income limits.
“What’s the fine print?”
Funds are invested in low-cost U.S. index funds (under 0.10% expense ratio). No fees to open or maintain. Tax-advantaged growth. Locked until age 18. Full details at trumpaccounts.gov.
“Is my money safe?”
Investments are held at regulated financial institutions with SIPC protection. The accounts invest in diversified U.S. stock market index funds — the same strategy used by most retirement funds.
“Do I need a provider like Bloom?”
The Treasury administers initial accounts. But a provider like Bloom gives you better portfolio tracking, financial education tools, and a dedicated app to manage your child’s investments.
children registered
per child
in fees
families signed up
Every child forevermore will get a private investment account at birth with $1,000.
— Brad Gerstner, Altimeter Capital
Backed by leading companies
In the news
Frequently asked questions
The American Dream starts with $1,000.
Claim your child's free investment account today. No fees, no catch — just a head start on their financial future.