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Eligible children born between 2025 and 2028 receive a $1,000 federal seed contribution invested in an S&P 500 index fund, with $5,000 annual contribution limits.
That $1,000 seed alone could compound to ~$372,000 by age 62; maximizing annual contributions could push the balance to ~$17 million.
Michael Dell pledged $6.25 billion for lower-income children, and 88 companies and individuals have committed matching contributions to the program.
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For generations, the stock market has quietly done something no savings account has ever been able to match -- it has turned patience into wealth. Despite recessions, wars, inflation, and market crashes, the S&P 500 has delivered roughly a 10% average annual return over the long run. That simple fact has helped millions of Americans build retirement nest eggs that would have been impossible through saving alone.
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