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Developing a Standard Savings Product for IDA Growth

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Explores the creation of a standard, universal, and progressive savings product that promotes asset building and includes people with low incomes.

Individual Development Accounts are matched savings accounts designed to help low-income and low-wealth people save regularly and acquire assets. IDA participants' savings and match funds are restricted to investments in financial and productive assets, such as a first-time home, a small business, post-secondary education, or an automobile. Administered by non-profit organizations or public entities, the IDA is accompanied by financial education, asset-specific education, case management, and financial counseling.


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