Germany Launches Early Start Pension: €10 Monthly for Children Aged 6-18 Starting 2027

The German government will introduce the Early Start Pension, depositing €10 monthly into accounts for children aged 6–18, effective January 1, 2027. Over 12 years, this amounts to €1,440 per child, with potential gains from compounding. Account holders can contribute personally from age 18, enjoy tax-free growth, and access funds at the current retirement age of 67. The program aims to strengthen Germany’s pension system amid longer lifespans and rising retirement costs. Globally, older workers are delaying retirement: in the U.S., 19% of those 65+ are employed, quadruple the 1980s level, while nearly 20% of U.K. baby boomers and late Gen Xers plan to "unretire." Financial experts emphasize the power of early, consistent savings and compounding returns.