Personal capital over a lifetime.
Stability Accounts are AIP’s central long-term funding mechanism: individually owned capital invested at the beginning of life to support healthcare, education and retirement.
Proposed framework · Updated November 1, 2026
Ownership with a purpose
The aim is individual financial independence through capital and education, progressively replacing government support and reliance on Social Security. Communities direct domestic services and spending under state oversight.
The long-term funding source and the timing of payment are different questions. Care and education are needed before accounts mature. The existing illustration tracks service costs for later account reconciliation; it does not assume a newborn’s account can pay all current bills. Transitional financing, community payment arrangements, shortfall protection and obligations to existing generations must be explicitly funded and defined.
The proposed structure
An initial public investment would establish an account for each eligible child. Investments would grow over time. The earlier design proposes reconciling specified public-service costs and a system repayment at retirement, leaving the remaining balance to the individual or heirs. Those obligations need clear limits and shortfall protections.
Gross value is not the amount available to spend
| Assumption or result | Illustration |
|---|---|
| Initial seed | $25,000 |
| Assumed annual return | 6.88%, constant nominal illustration |
| Duration | 65 years |
| Gross account | $1,888,900 |
| Healthcare repayment assumption | $400,000 |
| Education repayment assumption | $155,000 |
| System repayment assumption | $50,000 |
| Net after these assumptions | $1,283,900 |
This illustration assumes no additional contributions, withdrawals, fees or taxes. It is not inflation-adjusted and the return is not guaranteed. The same seed reaches roughly $82,800 at age 18 under the same constant-return assumption—not $650,000.
What happens if returns are lower?
| Constant return | Gross value after 65 years |
|---|---|
| 4% | $319,968 |
| 5% | $595,998 |
| 6.88% | $1,888,900 |
| 8% | $3,719,496 |
At 5%, gross value is approximately $596,000, before obligations. The design must explain how shortfalls are handled and what retirement protection remains. Steady inflows do not guarantee a floor under market losses.
Separate accounts, separate purposes
The transitional housing account is funded by a resident’s own monthly payments and is intended to travel with them when they leave. It is distinct from the proposed birth-seeded investment account. Early access, housing withdrawals and repayment rules for birth-seeded accounts remain unresolved.
See the housing payment model →What they are
Not a slogan—a defined asset-backed structure replacing the brittle “government promise only” retirement model:
- Individually owned investment accounts seeded at birth (government-funded initial allocation; funds are yours, not a ledger entry Congress can redefine).
- Long-compound growth path toward substantial retirement balances over a working lifetime (Executive Summary cites ~$1.89M at age 65; assumptions live in chapters and FAQ).
- Accountability linkage: at retirement age, modeled repayments reconcile public services consumed against the seeded path—remaining balance stays with individuals or heirs under the documented rules.
- Systemic stabilization: large, rules-based inflows tied to citizenship birth cohorts can act as a durable structural buyer, without guaranteeing a market floor in public markets (Executive Summary aligns this with sovereign-fund parallels such as Norway’s model).
Deep dives (published chapters)
Stability Accounts are described in layers—start executive, then transitions, enrollment, FAQ.
Costs, access and ownership protections
The design needs separate rules for investment custody, service-cost records and personal withdrawals. A custodian should not be able to move money into a service ledger without an authorized obligation and an auditable record.
- Publish holdings, fees and net returns, with an independent fiduciary responsible to account holders.
- Define which healthcare and education charges may be reconciled, their caps, appeals and treatment of disability.
- Choose between early withdrawals and later reconciliation; withdrawals reduce the capital left to compound.
- Protect beneficiaries and inheritance after obligations, with specific rules for death, emigration and custodian failure.
- Cost any retirement floor or shortfall guarantee separately; custody insurance is not insurance against market losses.