What is new?
On 16/10/2026, the Bundestag passed the amended version. It provides for 10 € for each eligible month to start building private retirement savings early.
Who is affected?
Children born in 2020 and 2021 with their primary residence in Germany are covered by the planned launch. Under this version, children born earlier receive no state funding.
What should you do?
Parents can have their child's Steuer-ID (tax identification number) ready and read about the differences between a Standarddepot retirement investment account and a normal child investment account. Do not yet count on funding entitlement or freely available money.
When does it apply?
Planned launch: January 2027; retroactively from January 2026 for children born in 2020. Completion of the remaining legislative process and official publication has not yet been confirmed.
Related guide
MeaNext summarizes official information clearly. This is not legal advice. Always check the linked official source for important decisions.
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