Kommentar: Die Frühstartrente hat einen großen Konstruktionsfehler
Der Beschluss ist richtig, die Umsetzung nicht. Ein Punkt entscheidet darüber, ob Kinder am Ende wirklich profitieren. Die Politik hat ihn offengelassen.
It has been several years since the "child allowance" introduced the concept of the early start pension. The Bundestag has now approved the early start pension, with children born in 2020 and 2021 to receive ten euros each month starting in January. This is a step in the right direction, but it is just one step. A crucial step that was missed was the provision of financial education.
The parents of the affected generations now face a choice: either open a certified standard deposit account with a financial services provider of their choice, or the money will go into a special fund managed by the Bundesbank. The payouts will be made quarterly retroactively. While the idea of providing financial education to children sounds charming, the reality may be dangerous.
The state's solution may seem appealing to many parents who must balance family and work, but the underlying idea of the early start pension is lost. The original plan was for children to learn about saving and the stock market through a small deposit, to become informed citizens capable of making wise financial decisions later in life.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
