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Trump Proposes New Retirement Account for US Workers Without 401(k) Access

Trump Proposes New Retirement Account for US Workers Without 401(k) Access

Last updated: February 25, 2026 5:48 pm
By Andrew Moran
1 Min Read
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Trump Proposes New Retirement Account for US Workers Without 401(k) Access

U.S. dollar bills in Washington on Nov. 13, 2025. Madalina Kilroy/The Epoch Times

During his State of the Union address Tuesday, President Donald Trump said he plans to create a new retirement program that would give Americans without 401(k) plans access to an account.

Approximately 56 million Americans lack access to an employer-sponsored retirement plan, according to the Economic Innovation Group. This has left many workers missing out on the stock market’s record-breaking performance over the past 15 years.

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