QRD:>The Bundestag adopted on October 16th the Frühstartrente, an "early-start pension". From 6 to 18years old, the state pays €10 per month into an account in the child's name, for a total of €1,440 over twelve years, invested in the financial markets.>The system begins in January 2027, with retroactive effect to January 1, 2026 for children born in 2020, and then a new generation is added each year. It applies without any income requirements, and if parents do not open an account, the Bundesbank places the funds into a collective fund. Parents and grandparents can top up the payments up to €6,840 per year.>According to the Federal Ministry of Finance, with an average annual return of 7%, the state's €1,440 would be worth approximately €2,200 at age 18 and €53,000 at age 65. If the family adds €20 per month for twelve years, the projection increases to €160,000. These figures are based on an assumed rate of return, with no guarantee.>In principle, the funds are only available starting at age 65. With 2% annual inflation over nearly sixty years, the €53,000 would represent around €16,500 in today's terms. Fees on eligible contracts are capped at 1% per year.>The Greens, Die Linke, and the German Federation of Consumer Organizations believe that families who can top up the account will benefit more, with the federation considering the €6,840 annual cap too high. Berlin estimates the cost at €198 million in 2027 and then €411 million in 2030, while the left views it as "recruiting customers for the private sector at the state's expense."What are we thinking about this, /pol/? Should the rest of the major European countries adopt it?
>inb4: 160k is fuckallyou can add in yourself and it's better than nothing
fuck this boomer dreck. how about having zhe ability of opting-out of this auschwitz-system so I can fucking use my money the moment I earn it, instead of 50 years later (forced tax) and not even adjusted for real inflation (5% per year on avg)
>>544737087Anything is better than pay-to-current-boomers-as-you-go-to-work system.
>>544737087They’re unironically copying Trump accounts kek
>>544737087Making public what's been going on with the shadow ledgers eh?
>>544737302They'd be better off giving children bonds.This is retarded too.
50 years from now 53,000 will be worth about 10,000 in todays money, probably.still, having said that, it's free money.i assume this will be additional to a state pension?or this is replacing the state pension?
>>544737087>From 6 to 18years old, the state pays €10 per month into an account in the child's name, for a total of €1,440 over twelve years, invested in the financial markets.They will take my wage slave money.They will put it in Muhammad name.Then they will invest now muhammads money into ShlomoGoldstein.Inc
>>544737087>What are we thinking about this, /pol/?Best time to start investing was 50 years ago. Second best time is now.It's too little and too late but it's better than doing nothing and hopefully more is coming.
>>544737541>bondsretard
>>544737607>it's free money.No it isnt. Todays wagies pay for it.
>>544737645That's what I said.It's retarded too.
What are the conditions for withdrawing money?
>>544737607>i assume this will be additional to a state pension?additional from what I've read so far. Maybe krauts could chime in and point out if I am wrong
>>544737719do you faggot niggers even read the thread before posting? Holy shit this board is now just miga jeets and shitskin zoomers...Fucking hell
So working krauts will be paying the kids of arabs 1400 euros until they're 18.
pension is a point of great anxiety for me.i think about it a lot.
Should the rest of the major European countries adopt it?Yes. Norway's state fund with more than 2 trillion dollars is extremely successful. Americans have their 401ks. Europe needs more investment.
>>544737302if the third reich had won the war this would be the norm but instead mister interest charger backstabber bbc forsekin enjoyer won and basically destined mankind into a evolutionary recession but hey at least they allow us to post on their websiteimagine there would only be a european internet you would probably have to go on bluesky or heise
>>544737925That's because they invest in American companies lolInvest your money in Volkswagen and co and you might as well just set it on fire Or just go out and give it to Mehmet and save timeThe german economy is just a welfare scheme for arabs at this point
>>544737902just become a serial griller and take back wheatsrightfully yours lol
>>544737925too latemass migration should have never happened this killed the crab
>>544738080>That's because they invest in American companies lolState funds generally invest very broad. What's your point?
>>544737184>better than nothing No not really. Giving yourself the illusion of addressing a problem is more harmful than just doing nothing. If you’re doing nothing, then at some point you can start doing something. But if you’re doing something already and that something is completely ineffective then what you get is tons of retards like you doubling down on the ineffective non-solution and then saying “at least we’re doing something”, rather than actually working towards a real solution. Half measures are the real killer. If you just did nothing then the crisis point would come sooner and inflict far less damage because it hasn’t been allowed to build up and fester.
>>544737373>Giving money directly to boomers>Printing money to pump stonks in boomer retirement plansSame shit basically
>>544738211American 401ks are invested almost completely in American cos and bonds which historically have a great rate of return.Norwegians also invested heavily in America, as do the Gulf sovereign funds.Forcing your citizens to invest into the dying half public companies of Germany and France is not doing them a favor, you are just expropriating that wealth. Those companies are not only on the way out but they don't even have a profit motive, they are prisoners of their unions and political interests. TLDR they are just adding an extra tax on your earnings and acting like they are doing you a favor, if you wanna help your citizens just don't tax them. All of this is a moot point, this continent is just a geriatric and after the boomers die it's done.
>>544737087>Now that the whites are out and the browns are in, it's time to invest in the future! Devious
>>544738457>bonds which historically have a great rate of return. See >>544737645>Forcing your citizens to invest into public companies of Germany and France is not doing them a favorNobody is proposing this. I've told you already that state funds invest very broad.
>>544737087lol can't print fast enough, need new bullshit to print some more
>>544738865You are tripping balls if you think your government is gonna deliberately invest your money outside of the country instead of feeding it to their CDU SPD cronies.Germans really are so trusting its beautiful.
>>544738865you're arguing with a disingenuous brown moorish rapebaby with an inferiority complex. Stop advancing argument of good faith with bad faith "people".
>>544739058Japan, for one, does allow self-directed individual pension accounts, and you can invest them in mutual funds that track foreign indexes. But those are in addition to the mandatory pension, and you pay into them from your own pre-tax income.
>>544737302you vill pay for ze moslems and you vil like it, cucklord
>>544737087NEVER under any circumstances pay into this.its a SCAM:>1. The zog takes tax money from goyims and buys financial assets.>2. goyim Families are encouraged to top up and buy more assets.>3. The jews who already own those assets can sell into that new demand and realise gains.>4. jewish Financial intermediaries collect fees along the way.>5. The children’s accounts are locked until 65.>6. Micronova is due in 20 years so nobody reaches 65 so the promised payout never happens.this scam is basically state subsidised captive demand aka exit liquidity for current (((asset holders))).
bump
>>544737087Literally just copying trump accounts
>>544741310nope, difference is from Trump its a pilot program with a limited birth window and the funds are not locked until age 65.mutts have a broad investment account and not a dedicated pension.
>>544737087>With 2% annual inflation over nearly sixty yearslollmao even?try 5%Purchasing power has been cut in half every 20 years for the past 40 yearsin 40 years more, that 53K will have a purchasing value 13K in today's money
>>544741448Cant you just move from germany totally and then you can request pension?
>>544742747you gotta reach the age first to get your pension and its monthly payouts and not a lump sum. also as far as I'm aware you can move to another country and still get your german pension but there are limits to that and they will be butthurt that you might have income abroad oy vey! so they might cut your pension if they figure that out.
>>544737087>super majority of children are now brown in germany>better start giving them kids money!lol.
>>544743577I know for normal pension. Lets say you move into germany. Work for 15 years. Maybe you even got citzenship. You can move lets say back home and I think 6 or 12 months later you can apply to have your entire pension paid out then, no waiting or anything with germany anymore. I dont know if it will be the same for new children stuff.
>>544737087This is meant to replace the state pension i assume.
>>544737607Money value halves roughly every 20 years. That €50k will be worth sweet fuck all.
>>544744126>You can move lets say back homethey would probably try and figure out if you get some retirement payout in the country you originally come from. then cut your pension if its true and demand you pay them back.
>>544737087Gonna be a lot of moderately wealthy turks in 50 years
>>544737087Pension needs to go since it's ponzi scheme which obviously doesn't work This shit is just an excuse to steal even more taxes and distribute them to current boomers and claim that "non-existent" (mostly Mohammads) kids will benefit from it
>>544737087>in unrelated news, people hate the jews
>>544737087Such bullshit. How can you plan 65 years ahead if you don’t know if you will have fuel tomorrow or not, not even talking about the rest of uncertainty. It looks like just some way to disguise budget deficit in papers.
>>544748702see >>544740022
>>544745260Nah you can, but you only get what you paid not what emplpyer paid which is a scam already
>>544737087YES GERMONEY ZIS IS ZE WAY DRUMF ACCOUNTS DID YOU KNOW DRUMPF IS FROM BAVARIA HOWEVER THE OLD COUNTRY IS SMALLTIME
