Trump IRA vs. Roth IRA:
where you shop vs. what you open
They're not two versions of the same thing. The Trump IRA (TrumpIRA.gov) is a federal comparison site launching by January 1, 2027. A Roth IRA is an account type you can open today — and the kind of low-cost IRA the marketplace is designed to showcase.
Side by side
| Trump IRA (TrumpIRA.gov) | Roth IRA | |
|---|---|---|
| What it is | A federal comparison website (TrumpIRA.gov) listing low-cost IRAs from private institutions | A type of individual retirement account you open with a provider |
| Available today? | No — Treasury must launch it by January 1, 2027 | Yes — you can open one right now |
| Who holds your money | Nobody — it's a directory, not an account | The private provider you choose (bank, brokerage, or app) |
| Tax treatment | Depends on the IRA you pick there (expect Roth and Traditional listings) | After-tax contributions; qualified withdrawals in retirement are tax-free |
| 2026 contribution limit | Set by the account you choose, not the platform | $7,500, plus $1,100 catch-up at age 50+ (income limits apply) |
| Fees | Listed IRAs must cap all-in fees at 0.15% with no minimums | Whatever your provider charges — low-cost index options exist |
| The $1,000 Saver's Match | Promotes it (existing SECURE 2.0 benefit, effective 2027) | Roth contributions can EARN the match — but the match itself can't be paid into a Roth |
The four things to remember
- “Trump IRA” isn't an account type — it's shorthand for TrumpIRA.gov, a federal marketplace where workers without an employer plan will compare low-cost IRAs starting in 2027.
- A Roth IRA is an account type that exists today. The marketplace will point to IRAs like it — the executive order doesn't specify Roth vs. Traditional, so expect both.
- You don't have to pick one or wait: you can open a low-cost Roth IRA now, and TrumpIRA.gov becomes a way to comparison-shop later.
- The Saver's Match catch: your Roth contributions can qualify you for the up-to-$1,000 match, but under current law the match must be deposited into a pre-tax account (like a Traditional IRA) — not a Roth. Many savers will end up with both.
Roth contributions can earn the match — but can't receive it
Under current law, contributing to a Roth IRA can qualify you for the up-to-$1,000 federal Saver's Match (2027) — but the match itself must be deposited into a pre-tax account like a Traditional IRA, not a Roth. A Roth-only saver generally needs a second, pre-tax account to actually receive it. Treasury and the IRS are still finalizing the rules.
Keep reading
Frequently asked questions
Is the Trump IRA the same as a Roth IRA?+
No. The “Trump IRA” (TrumpIRA.gov, from Executive Order 14403) is a federal marketplace launching by January 1, 2027 — a website for comparing low-cost IRAs offered by private institutions. A Roth IRA is a type of retirement account that already exists and that you can open today. The marketplace will list IRAs; a Roth IRA is one kind of IRA it can point to.
Will Roth IRAs be listed on TrumpIRA.gov?+
The executive order doesn't specify Roth vs. Traditional — it requires listed IRAs to be IRAs under Internal Revenue Code §408, cap all-in fees at 0.15%, have no minimums, and offer diversified or target-date options. Expect both Roth and Traditional listings when Treasury launches the platform.
Should I wait for TrumpIRA.gov instead of opening a Roth IRA now?+
You don't need to wait — the low-cost IRAs the platform will point to are the kind you can open today, and time in the market is the ingredient a marketplace can't give back to you. TrumpIRA.gov is a discovery tool, not a new account type. Educational information, not advice — whether any account fits your situation is a question for a licensed professional.
Can the $1,000 Saver's Match go into my Roth IRA?+
Not under current law. Contributing to a Roth IRA can qualify you for the match, but the match payment itself must go to a pre-tax account like a Traditional IRA — it can't be deposited into a Roth IRA or Roth workplace account. Treasury and the IRS are still finalizing the 2027 rules. This is one of the least understood parts of the program.
What are the Roth IRA limits for 2026?+
The 2026 IRA contribution limit is $7,500, plus a $1,100 catch-up if you're 50 or older (per the IRS). Roth eligibility also phases out at higher incomes (MAGI limits). Limits are set by the IRS and apply to the account — TrumpIRA.gov doesn't change them.
What's the PRActicle, and is it a Roth IRA?+
Gigaverse's PRActicle™ is a portable Roth IRA built for gig workers — low-cost index funds, no minimum balance, custody through a FINRA/SIPC-member broker-dealer. It's exactly the kind of low-cost IRA the executive order is designed to promote. Gigaverse is not affiliated with the U.S. government and is not a listed provider on TrumpIRA.gov (the platform isn't live yet).
The account type it will showcase? You can open one today
The PRActicle™ is a portable Roth IRA built for gig workers — no minimums, low-cost index funds. Join the waitlist and be ready before the marketplace opens.
Important Disclosures: This page is educational information only and is not financial, tax, legal, or investment advice, or a recommendation to open any account. "TrumpIRA.gov" is a future federal platform created by Executive Order 14403 (April 30, 2026); the U.S. Treasury must launch it by January 1, 2027, and it is not operational today. The up-to-$1,000 match is the existing federal Saver's Match (SECURE 2.0 Act), effective 2027, subject to income eligibility and final Treasury/IRS rulemaking; it is not guaranteed and is not a new benefit created by the order. Contribution limits and Roth eligibility are set by the IRS and subject to change. Gigaverse AI, Inc. is not affiliated with the U.S. government, is not a listed provider on TrumpIRA.gov, and is not a registered investment adviser, broker-dealer, or bank. Securities brokerage services are provided by a FINRA/SIPC-member broker-dealer. All investing involves risk, including possible loss of principal; returns are not guaranteed. Verify details at the White House and IRS.gov and consult a qualified CPA, CFP®, or attorney. Full disclosures →