Government Gives Big Red Envelope! Nationwide Eligible 'Can Receive 60,000 Yuan Annually', Growth Subsidy Amount/Disbursement Time Method/Receiving Amount by Age

On July 24, 2026, the Legislative Yuan passed the 'Taiwan Child and Youth Growth and Future Account Act,' commonly known as the 'Taiwan Future Account,' a highly anticipated childcare welfare policy. The system consists of two parts: the 'Child and Youth Growth Subsidy' and the 'Taiwan Future Account.' Eligible children from birth to 18 years old can accumulate up to 1,140,000 yuan. However, the 1,140,000 yuan is not issued all at once, nor is it all freely usable. Part of the subsidy must be deposited into a special account and can only be withdrawn at 18 years old and for regulated purposes. Below is a comprehensive overview of the application qualifications, subsidy amounts, disbursement methods, withdrawal restrictions, and common questions.

What is the Taiwan Future Account? The official name of the 'Taiwan Future Account' is the 'Taiwan Child and Youth Growth and Future Account Act,' jointly proposed by the Kuomintang and the Taiwan People's Party and completed in three readings on July 24, 2026. The policy aims to address low birth rates, reduce family childcare burdens, and help children accumulate their first pot of gold after adulthood. Therefore, it is designed in two different subsidy methods.

System Content Can be used immediately Child and Youth Growth Subsidy Cash directly issued, can be used for childcare, education, and other daily expenses ✅ Yes Taiwan Future Account The government establishes a special account for each child, which can only be applied for withdrawal at 18 years old ❌ Cannot be used freely in advance

Note: This system is different from the 'Child and Youth Future Education and Development Account' launched in 2018 for underprivileged families. The new law applies to all eligible children and youth.

How is the 1140,000 yuan calculated? Complete breakdown of the 666 plan The so-called '666 plan' refers to the source of the 1,140,000 yuan.

Composition of the Taiwan Future Account 1,140,000 yuan Stage Subsidy Item Amount Accumulated At birth Start-up fund (deposited into the future account) 60,000 yuan 60,000 yuan 0 to under 7 years Growth subsidy 60,000 yuan per year × 7 years 420,000 yuan 7 to under 18 years Growth subsidy 30,000 yuan per year × 11 years 330,000 yuan 7 to under 18 years Future account allocation 30,000 yuan per year × 11 years 330,000 yuan Total 1,140,000 yuan

Which money can be used directly? Not all 1,140,000 yuan can be used immediately.

Type Amount Can be used freely Growth subsidy Approximately 750,000 yuan ✅ Yes Future account Approximately 390,000 yuan ❌ Can only be withdrawn at 18 years old for specified purposes

The 390,000 yuan includes: Start-up fund at birth 60,000 yuan Future account allocation 330,000 yuan Investment returns (depending on actual performance)

Parents can also add more In addition to government subsidies, parents and employers can also save money for their children.

Source Upper limit Parents' self-deposit No upper limit Employer sponsorship Up to 50,000 yuan per year

Who is eligible? Anyone who meets the following conditions is eligible. Under 18 years old citizen of the Republic of China Has a residence in Taiwan Resides for at least 183 days per year The current provisions do not have a wealth restriction, meaning it applies regardless of family income.

When will it be implemented? Legal provision: It will be implemented immediately after the President's promulgation. No need to wait for administrative orders, so procedures can be carried out according to the regulations once the law comes into effect.

Can children who have already been born receive the subsidy? Yes, but they cannot receive the full 1,140,000 yuan. Because the one-time 60,000 yuan start-up fund only applies to newborns born after the law comes into effect. Children who have already been born can only receive the 'remaining unissued annual subsidies.'

How much can children who have already been born receive? Age estimation The following is an estimate based on the current three-reading text logic. The official amount will be announced by the competent authority.

Current age Estimated receivable amount Newborn (born after the bill) 1,140,000 yuan 0 years old 1,080,000 yuan 1 year old 1,020,000 yuan 2 years old 960,000 yuan 3 years old 900,000 yuan 4 years old 840,000 yuan 5 years old 780,000 yuan 6 years old 720,000 yuan 7 years old 660,000 yuan 8 years old 600,000 yuan 9 years old 540,000 yuan 10 years old 480,000 yuan 11 years old 420,000 yuan 12 years old 360,000 yuan 13 years old 300,000 yuan 14 years old 240,000 yuan 15 years old 180,000 yuan 16 years old 120,000 yuan 17 years old 60,000 yuan

Can it be directly received after 18 years old? No. The future account is not something that can be freely withdrawn upon reaching adulthood, but must meet specified purposes.

Applicable withdrawal purposes Purpose Can be applied for Education ✅ Employment ✅ Vocational training ✅ Entrepreneurship ✅ Down payment for house purchase ✅ Renting ✅ Relevant supporting documents must be submitted when applying.

What if there is no proof of purpose? If proof of a regulated purpose cannot be provided at 18 years old: Can be received: Parents' self-deposited funds Employer-sponsored funds Cannot be received: Government subsidies Start-up fund Government allocation Investment returns The above government funds will be returned to the national treasury.

Can it be received in installments? Current regulations: The principle is to settle in one lump sum, and it cannot be withdrawn in batches.

Can it be received in advance before 18 years old? Yes, but only in special circumstances. Including: Death Major illness Severe physical or mental disability Can be applied for by legal representatives or the nearest relatives.

Can you opt out of the future account? Yes, but the procedure is strict. The process is as follows: Apply to the competent authority Receive one year of guidance If still decided to opt out Finally, only the following can be received: Parents' self-deposited funds Employer-sponsored funds Government subsidies and investment returns will be returned to the national treasury.

Can this money be used to invest in stocks yourself? No. The future account is not a general securities account. Parents cannot: Select stocks Buy ETFs Buy funds Specify investment products The government manages it uniformly.

Who is responsible for the investment? Unit Work content Labor Insurance Bureau Account management, receipt and payment custody Labor Pension Fund Bureau Investment operations The main investment targets are: Domestic stocks Bonds Stable assets And performance is published regularly.

Taiwan Future Account vs. Lai Qingde's 0-18 years subsidy Many people confuse the two policies, but there are significant differences in content.

Comparison item Taiwan Future Account Lai Qingde's Growth Subsidy Proposing unit Kuomintang, Taiwan People's Party Executive Yuan Total subsidy 1,140,000 yuan Approximately 1,080,000 yuan Disbursement method Cash + dual-track future account Fixed 5,000 yuan per month Legal basis Special law Administrative order planning Parents can add more Yes Not planned Employer sponsorship Up to 50,000 yuan per year None Implementation time After the President's promulgation Originally planned for 2027 Currently, whether the two policies can be applied simultaneously, the competent authority has not yet announced the final determination method.

Not the first in Taiwan, the US and UK also have child savings schemes Taiwan is not the first country to introduce a child savings scheme.

United States Planned to launch 'Trump Accounts (Trump Accounts).' Including: Newborns can receive a $1,000 start-up fund Families can add $5,000 per year Invest in US stock index funds

United Kingdom Previously promoted the Child Trust Fund, where the government provided funds to help children accumulate assets, but later stopped government allocations due to fiscal considerations, becoming an example of policy continuity.

What impact does it have on companies? In addition to affecting families, the future account may also change corporate welfare systems. Including: Companies can sponsor up to 50,000 yuan per year for employees' children HR may re-plan fertility subsidies and childcare welfare Increased demand for employee financial and tax consulting Help companies establish a child-friendly brand image

Frequently Asked Questions Q1: Which children can receive the Taiwan Future Account? Any child under 18 years old who is a citizen of the Republic of China, has a residence in Taiwan, and resides for at least 183 days per year is eligible, not just newborns.

Q2: Will the 1,140,000 yuan be received all at once? No. The 1,140,000 yuan is the total subsidy amount from birth to 18 years old, of which approximately 750,000 yuan is the 'Child and Youth Growth Subsidy' that can be received annually, and the remaining approximately 390,000 yuan is deposited into the 'Taiwan Future Account,' which can only be withdrawn at 18 years old for regulated purposes.

Q3: Can parents deposit money into the future account themselves? Yes. The bill allows parents to deposit additional funds into their child's future account, and there is currently no upper limit on the amount. Additionally, employers can sponsor up to 50,000 yuan per year for employees' children.

Q4: If proof of purpose cannot be provided at 18 years old, can money still be received? If proof of a regulated purpose cannot be provided, only the funds deposited by parents and corporate sponsorships can be received. Regarding the government's start-up fund, government subsidies, and investment returns, they cannot be withdrawn and will be returned to the national treasury.

Q5: Do you need to apply to open an account yourself? No. After the local government confirms eligibility, it will notify the Labor Insurance Bureau to open an account, and parents do not need to go to the government office or bank to handle it.

Q6: Can children who are already 5, 10, or 15 years old receive 1,140,000 yuan? No. The 1,140,000 yuan is the highest subsidy amount accumulated from birth, and children who have already been born can only receive the subsidies that have not yet been issued from the enactment of the bill to the age of 18. Therefore, the older the child, the less they can receive.

Q7: Can the money in the future account be used to buy stocks or ETFs yourself? No. The future account is managed uniformly by the government, and parents and children cannot decide on investment targets themselves, nor can they buy stocks, ETFs, or funds on their own. The account funds will be invested in relatively stable targets by the Labor Pension Fund Bureau according to regulations.

Q8: Can it be applied together with the Executive Yuan's planned '5,000 yuan per month from 0 to 18 years old'?