德国联邦议院通过了一项为6至18岁儿童设立国家养老金缴款的计划1。根据该方案，政府每月将为每名符合条件的儿童缴存€10用于私人退休储蓄账户1。除政府缴款外，家长和祖父母可额外缴款，年度上限为€6,8401。
支持该计划的德国社民党议员Michael Thews认为，这一举措"将帮助许多人建立充足的退休储蓄"1。然而，绿党议员Stefan Schmidt对该计划提出批评，指其构成"两级制系统"，因为"赢得'父母彩票'的儿童将获得远超过微薄开端的收益"1，反映出较富裕家庭能够承担更大额度额外缴款可能加剧不平等的担忧。
该立法仍需获得代表各州的德国联邦参议院批准方可生效1。
Germany's Federal Parliament has passed legislation establishing a monthly state pension contribution scheme for children aged 6 to 18 years old.1 Under the plan, the government will contribute €10 (approximately $11) per month toward private retirement savings accounts for each eligible child.1 Parents and grandparents will have the option to make additional contributions, with an annual ceiling of €6,840 (approximately $7,500).1
Supporters of the initiative argue it will strengthen retirement security for many citizens. Social Democratic Party lawmaker Michael Thews stated that the plan would help numerous individuals build adequate retirement savings.1 However, critics have raised concerns about potential inequalities the scheme may create. Green Party politician Stefan Schmidt characterized the system as a "two-tier" model, warning that children whose parents can afford larger voluntary contributions will accumulate significantly more benefits than those receiving only the baseline government payment, describing this advantage as dependent on "winning the parent lottery."1
The legislation still requires approval from the Bundesrat, Germany's upper chamber representing the states, before it can take effect.1
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