Promoting Retirement-Savings Access for American Workers by Establishing TrumpIRA.gov
Record date: 2026-05-05
( printed page 24329) Executive Order 14403 of April 30, 2026 Promoting Retirement-Savings Access for American Workers by Establishing TrumpIRA.gov By the authority vested in me as President by the Constitution and the laws of the United States of America, and to ensure that every American worker has access to a simple, portable, low-cost retirement-savings option, it is hereby ordered: Section 1 . Policy . Tens of millions of Americans lack access to employer-sponsored retirement plans. Workers in small businesses, part-time workers, independent contractors, and self-employed workers face unnecessary barriers
What this record contains
- Federal Register document
- 2026-08908
- Publication date
- 2026-05-05
- Citation
- 91 FR 24329
- Issuing office
- Executive Office of the President
Official record excerpt
( printed page 24329) Executive Order 14403 of April 30, 2026 Promoting Retirement-Savings Access for American Workers by Establishing TrumpIRA.gov By the authority vested in me as President by the Constitution and the laws of the United States of America, and to ensure that every American worker has access to a simple, portable, low-cost retirement-savings option, it is hereby ordered: Section 1 . Policy . Tens of millions of Americans lack access to employer-sponsored retirement plans. Workers in small businesses, part-time workers, independent contractors, and self-employed workers face unnecessary barriers to saving for retirement. My Administration intends to give these often-left-out American workers access to the same type of retirement-savings opportunities offered to every Federal worker and to establish an easy and transparent way for eligible workers to obtain up to a $1,000 match for their savings. Hard-working Americans deserve retirement security in portable savings vehicles that offer access to low-cost investments similar to those offered to Federal workers in the Thrift Savings Plan. It is the policy of the United States to promote high-quality, low-cost individual retirement accounts (IRAs) offered by private-sector financial institutions that meet objective standards of cost, transparency, and fiduciary responsibility. It is further the policy of the United States to increase public awareness of the Federal Saver's Match enacted in the bipartisan SECURE 2.0 Act ( Public Law 117-328 , Division T) and to facilitate participation in eligible retirement-savings vehicles that provide diversified, index-based investment options. Through a federally administered retirement-savings informational platform that highlights qualifying high-quality, low-cost, private-sector IRAs, the United States will promote retirement-savings participation, provide access to retirement-savings options similar to those enjoyed by Federal employees, and encourage workers to reap the rewards of the vibrant American private-sector along with the power of compound earnings. Sec. 2 . Establishment of TrumpIRA.gov . (a) The Secretary of the Treasury shall, by January 1, 2027, establish a website (TrumpIRA.gov) that provides individuals, with a particular focus on independent contractors, self-employed individuals, and other workers who do not have access to an employer-sponsored retirement plan, with information about high-quality, low-cost IRAs. Individuals who contribute to qualifying IRAs, and who are otherwise eligible, are entitled to a Federal Saver's Match contribution of up to $1,000 pursuant to 26 U.S.C. 6433 . (b) TrumpIRA.gov shall list financial institutions that offer IRAs under 26 U.S.C. 408 , accept the Federal Saver's Match contribution under 26 U.S.C. 6433(e)(2)(C) , and meet other criteria, as directed by the Secretary of the Treasury, consistent with applicable law. In addition, TrumpIRA.gov shall explain the cost and quality criteria described in subsection (c) of this section, allow individuals to filter and select IRAs based on their cost and quality, and provide information regarding the opportunity to receive the Federal Saver's Match contribution under 26 U.S.C. 6433 , consistent with applicable law. (c) TrumpIRA.gov shall identify financial institutions that offer IRAs that: ( printed page 24330) (i) provide a menu of investment options that meet stated criteria including: (A) investment fund products or model portfolios, including life-cycle or targeted-retirement-date options as described in 29 CFR 2550.404c-5(e)(4)(i) , or balanced funds as described in 29 CFR 2550.404c-5(e)(4)(ii) ; or (B) funds that are designed to protect principal on an ongoing basis, as described in 29 CFR 2550.404c-5(e)(4)(iv) ; (ii) maintain low administrative costs, with overall net-expense ratios, inclusive of operating costs, management fees, and administrative expenses, limited to .15 percent; and (iii) do not impose minimum-contribution or balance requirements. (d) In accordance with section 104(a) of the SECURE 2.0 Act, TrumpIRA.gov shall be designed to increase public awareness of the opportunity for eligible individuals to make contributions to retirement-savings vehicles and receive the Federal Saver's Match contribution; facilitate low-cost, safe, and informed retirement-savings decisions; and increase retirement saving. Sec. 3 . Federal Saver's Match Implementation . (a) The Secretary of the Treasury shall take all necessary steps, as appropriate and consistent with applicable law, to ensure that qualifying individuals who contribute to IRAs, including those who open IRAs listed on TrumpIRA.gov and otherwise satisfy all applicable requirements, receive the Federal Saver's Match contribution. (b) The Secretary of the Treasury shall take all necessary steps, as appropriate and consistent with applicable law, to encourage financial institutions
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