R+V Versicherung launches early start pension: This is how children save for the future!

R+V Versicherung launches early start pension: This is how children save for the future!

R+V Versicherung has announced the introduction of a new early start pension product. This innovative retirement product, scheduled to launch in early 2026, uses low-cost ETFs as its basis. The special thing about the early start pension is that interested parents have the opportunity to take out the product online as soon as the legal basis for this has been created. R+V has already developed key points for the design of the product and plans to offer the solution through Volksbanken, Raiffeisenbanken and R+V general agents. This was highlighted in an article by Versicherungsmagazin, which reported that R+V reaches up to 30 million people through the cooperative financial group.

The aim of the early start pension is to offer an uncomplicated, transparent and cost-efficient solution for private pension provision. R+V emphasizes how important such retirement provision is for the standard of living in old age. The product is supported by monthly government payments of 10 euros for every child between the ages of 6 and 18, which will flow directly into a retirement savings account from January 2026. According to the R+V website, this funding is handled similarly to the Riester allowance and the deposits are protected from government access.

Details about government funding

The government payments are made over a period of 12 years, starting from age 6 until age 18. After reaching the age of 18, the parents or child can make private payments into the retirement savings account. Early access to the saved capital is not possible; The payment only takes place when the standard retirement age is reached, currently set at 67 years. In addition, the income from the portfolio remains tax-free until retirement.

With the early start pension, R+V Versicherung is planning to create an offer that not only strengthens private retirement provision, but also offers parents a simple and secure way to make provisions for their children's future. For comprehensive information about the early start pension, those interested can find out more directly on the R+V homepage, where further details and the options for participation are explained.