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Universal Savings Accounts Can Help All Americans Build Savings

Heritage 2018.12.31
Universal Savings Accounts (USAs) reduce taxes on savings and help families build their own financial security through a single, simple, and flexible savings account. USAs have proven successful around the world, supporting savers and giving them the flexibility to save for their own priorities. The USA proposal included in the Family Savings Act of 2018―part of “Tax Reform 2.0”―is a good first step toward simplifying the American savings system and removing tax disincentives to putting money away for future use. The current USA proposal is well designed, but too limited. The annual contribution limit should be set higher and roll over from year to year. Congress should also consider automatically increasing the contribution limit each year. This would allow USAs to incrementally become Americans’ primary savings vehicle.

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