Lochhead on Marketing · 2026-07-17 · 39 min
For most of human history, helping people in need has come down to two basic approaches: give them something or teach them something. One is fast but temporary. The other takes time but builds capability. What if there was a third way? What if you could give someone an ownership stake in the greatest wealth-generating machine ever built, the US economy and the US stock market? That is exactly what a new category called charitable investing is doing, and it may be one of the most important category design moments in American history. On July 4th, 2026, America's 250th birthday, something called the 530(a) account came into existence. Originally conceived as Invest America accounts by Brad Gerstner of Altimeter Capital, this new program gives every American child born between 2025 and 2028 a $1,000 government seed contribution invested in a broad market index fund. Families can add up to $5,000 per year, and the money compounds untouched until the child turns 18. This is not a handout. This is not a lesson in a classroom. This is a real asset, compounding at approximately 10% per year, that belongs to that child from the moment they are born. Welcome to Lochhead on Marketing .
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