What is TrumpIRA.gov? Trump unveils plan for new retirement website
(NewsNation) — President Trump signed an executive order Thursday aimed at expanding access to retirement plans for millions of workers whose employers don’t offer one.
The order directs the Treasury Department to create a new website, TrumpIRA.gov, to help workers find and enroll in private-sector Individual Retirement Accounts, or IRAs.
Trump said the effort would give workers access to the same types of retirement accounts available to federal employees through the Thrift Savings Plan.
“For millions of Americans who lack employer-sponsored plans, this will be really revolutionary,” Trump said Thursday.
The website is set to launch by the start of next year and will allow workers to filter and compare IRAs based on factors such as cost, quality and investment options.
What is the ‘Saver’s Match’?
The website’s rollout coincides with a new federal retirement savings incentive known as the “Saver’s Match,” set to take effect in 2027 and established under 2022 legislation signed by former President Joe Biden.
Starting next year, the federal government will match retirement contributions of up to $1,000 per eligible worker and $2,000 for couples. To qualify for a full or partial match, individuals must earn less than $35,500, or under $71,000 for couples, according to The Pew Charitable Trusts.
Rather than receiving a tax credit, eligible individuals will receive matching contributions deposited directly into their retirement accounts.
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The White House said TrumpIRA.gov will boost awareness of the Saver’s Match and will lead to higher participation, helping the program reach its full potential.
What is TrumpIRA.gov?
The order does not create a new government retirement plan but instead sets up a website that will serve as a centralized hub to connect Americans with private-sector IRAs.
According to the order, the site will allow users to filter and select IRAs based on “cost and quality,” and provide information about eligibility for the upcoming Saver’s Match contribution.
IRAs are tax-advantaged savings accounts designed to help workers build a retirement nest egg and can be especially important for those who do not have access to employer-sponsored plans such as 401(k)s.
According to The Pew Charitable Trusts, nearly half of the private sector workforce — about 56 million workers — don’t get retirement benefits through their jobs.
A recent study found that the typical American worker has less than $1,000 saved in 401(k)-type accounts, largely because many people don’t have access to them.
Thursday’s order also directs the Treasury secretary to prepare legislative recommendations to build on the TrumpIRA.gov framework, “establishing a permanent path for all Americans to access high-quality, low-cost IRAs and a federal matching program.”
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