Is the CDU pension that early start is worthwhile? (Image: Ricardo Gomez Angel, Unsplash)
Whoever goes earlier has more of life? At least with the pension, this is worth considering – but with consequences.
The so -called Early start pension (Correct: preferred old -age pension) is particularly interesting for those who have worked for a long time, are no longer fully resilient in terms of health or are deliberately planning more life in retirement.
In this article, we will show you what the CDU’s retirement model is all about.
What is the early start of the CDU?
The so-called early start pension is a proposal from the CDU, which is supposed to herald a real paradigm shift in pension policy.
The aim is for children to automatically receive a state -funded retirement depot from the age of 6 – without any application, without any their own. Every month, the state puts 10 euros in, until the 18th birthday. So first 1,440 euros come together – purely mathematical, without interest. The idea behind it: Anyone who gains capital market experience at an early stage has it easier in old age.
So the money is not parked somewhere, but invested in ETFs or stocks – depending on the risk profile and administrative structure. From 18, own deposits can follow. So the depot continues to grow, tax -free to retirement.
The goal is nothing less than relieve the statutory pension in the long term – and also to strengthen financial education.
Example: This is how the early start works pension
Let’s take a child who turns six in 2026.
From then on, the state pays 10 euros per month for a personal pension depot – until the 18th birthday. Makes 1,440 euros. This money is invested – let’s say with a realistic average return of 6 % per year.
This funding alone could come together around 36,000 euros up to the age of 67. If you pay 100 euros every month from the age of 18, the depot grows to over 200,000 euros. This can later result in an additional pension of around 2,500 euros per month – provided that capital markets play along.
Important here: the money remains untouched to pension, is protected against government access and cannot be used for other things. Payments before the statutory retirement age are also not provided – which underlines the long -term preventive character.
Risancing phase from the age of 18
After the 18th birthday, the so -called post -saving phase – the part of old -age provision that young adults can actively shape. Anyone who starts early and consistently invested for decades can build up a decent financial cushion – this is exactly what the new pension model should enable in the future.
Crucial: how much you contribute monthly and how long the capital can work for yourself.
Monthly contributions: small effort, great effect
From the age of majority, insured persons may pay their own deposits in the pension scheme. Full flexibility is planned, but with an annual maximum amount that has not yet been defined final. Two calculation examples show how much small monthly contributions can have a long time:
-
50 euros per month: Anyone who starts at 18 and regularly pay 50 € up to the retirement age (67 years) can, according to the CDU/CSU model, with a final capital of round 179,000 to 200,000 euros calculate. Of course, this depends on the actual return, but with a long -term system in stocks or funds, this is quite realistic.
-
100 euros per month: If you can afford it and invest twice as much, i.e. € 100 per month, in the end comes to a capital that arithmetically a supplementary pension of approximately 2,500 euros per month over 20 years would enable. And in addition to the legal pension.
Tax regulation: Save first, then tax
Another advantage lies in the control model, which is planned for the new pension reform.
During the savings phase – as long as the money stays in the depot – all yields are tax -free. Interest, dividends, price gains: everything stays in the pot, nothing is deducted. This ensures more compound interest effect and thus much faster growth.
It looks different with the payment. As soon as you have the saved capital paid out as a pension, it counts as income – and is taxed normally with the personal tax rate. The model follows the principle of downstream taxation – as with the statutory pension insurance.
Advantages and disadvantages of the early start pension
The early start pension brings opportunities-but also open questions.
Positive is: the model is the same for all children, regardless of the parents’ income.
There is no bureaucracy, no complicated applications, no personal participation – at least in basic funding. This sets real capital coverage early for the first time. Parents can add later, whoever wants to put them on it – who does not, at least benefit from the state basic stock. The promotion of financial education is also a strong point: children experience saving, investing and building wealth from the start.
But there are also dark sides: the 10 euros per month are symbolic – an introduction, but in themselves not very effective. Critics say: Even with a 60 -year term there is no big pension. In addition, it remains open how the money is invested, who takes over the administration, which fees are incurred. It is also not clear whether this model remains politically enforced in the long term – stable coalitions and clear structures are needed.
It is important: the early start pension can be a good building block-but not the solution for everything. It does not replace a legal pension, no company pension scheme. It is a start – and for many families a first contact point with the investment.
But it needs clear rules, fair cost structures and above all: political reliability. Only then can she work – and maybe actually make sure that more young people are better secured later.
Comparison with other retirement models
Anyone who receives pension points for children benefits from a safe and easy -to -calculator building block of the statutory pension – this is clear.
Especially in times when many people get out of their job through children’s education or work part -time, these points help to maintain a certain amount of protection in the long term. The pension value is known, the payment guaranteed for life and also effective for survivors – this provides planning security.
However, compared to private retirement models, such as ETFs or fund -bound pension insurance, the “return” is significantly lower.
Let’s calculate it: a pension point will bring € 40.79 per month from July 2025. If you multiply this over 20 years of pension reference, this results in about € 9,800. If you put the same sum (e.g. 9,392 € – the purchase price of a pension point) in an ETF with an average of 7 % return, you will get around € 36,000 in 20 years. That is triple – but not without risk.
Our honest opinion on the alternative pension model
We say very clearly: If you have the possibility of children’s pension points, you should definitely claim it.
The statutory pension may not make rich, but it is reliable, legally protected and evaluates educational performance – this is important and fair.
Do not rely exclusively on these points. Private provision is simply part of it today – especially for mothers (and fathers) who work part -time for many years or get out completely. Use children’s pension points as a safe base, but build it up privately around it.
And honestly: The best strategy is always the combination – security through pension insurance, return opportunities through private provision. Anyone planning it is broadly set up in old age – even with children.