On the face of it, the so-called “Trump accounts” — which would provide parents of newborns with $1,000 to invest on behalf of their child’s future — would be a plus for many families.

Almost every baby born in America would get a $1,000 tax-deferred investment account under the proposed program.

The proposal has bipartisan backing and is generally supported by economists and other researchers, but experts say that there are ways it could be restructured that are more practical and would have a greater effect on wealth inequality.