Children · Germany
Safa Kids · Frühstartrente
Germany plans a state-funded retirement account for children, with a monthly government contribution from a qualifying age. Safa would invest it only in screened instruments, with optional family top-ups.
The Frühstartrente is a planned government programme. Contribution amounts, eligible ages, access rules and tax treatment shown here are assumptions and must be verified against current official German rules before launch.
Amina's account value
1.842,50 €
Opened Jan 2026 · Screened global equity (long horizon)
State contribution
10 €/month
Assumed amount — placeholder
Family top-up
40 €/month
Adjustable any time
Projected value at 18
11.965 €
50 € per month for 11 years at an assumed 5% annual return.
Milestones
2/4- Account opened
- First €1,000
- First €5,000
- Age 18 — child gains access
How it is designed to work
- Government contribution
- A fixed monthly amount paid by the state into the child's depot from a qualifying age until adulthood.
- Family top-ups
- Parents, grandparents or relatives can add money. Gift-tax and contribution caps must be checked against current rules.
- Access
- Plans describe long-term retirement purpose with access restricted until a statutory age; treat any earlier access as unconfirmed.
- Investments
- Screened equity and sukuk only, with no interest-bearing cash products. Screening status can change over an 18-year horizon.
Long-term projections for children's accounts are highly sensitive to returns and fees. Capital is at risk and the value can fall. This is educational information, not advice for your family's situation.