investify TECH lays foundation for early-start pension for children

Financial service providers should act swiftly

Thanks to the proven platform solution provided by investify TECH, banks, asset managers, insurances and other financial service providers will be able to offer the new pension product simply and in a streamlined manner.

Germany’s coalition of CDU/CSU and SPD has announced that, as of January 1st, 2026, every child aged 6 to 18 years will receive ten euro monthly from the government. According to the coalition treaty, as of age 18 until retirement, the amount that is saved up in this period can continue to be saved through private payments up to a maximum yearly amount.

Major business potential

“Financial service providers should focus on government-funded products early on, as they harbour major business potential”, said Dr. Harald Brock, Managing Director of investify TECH. The company has already gained experience with children’s savings products and has implemented the numerous regulatory and technological requirements associated with these products with reputable partners such as the LBBW. These include, among others, the legitimacy processes for minors, legal representation requirements (parents as legal representatives) or the long-term supervision of such contracts (over several decades).

Concrete solutions

investify TECH has mastered these challenges both at a technical and process level – a crucial advantage for partners who want to enter this market segment early on. “We provide concrete solutions to technically overcome the obstacles and offer marketable products. What’s important: despite the complexity at process level, the user journey must be simple”, Brock explained. In collaboration with different custodian banks, the platform creates the requirements for automatic onboarding of children’s depots, legally compliant powers of attorney for parents, supervision of the savings contracts in every stage of life, and seamless integration into existing financial products. investify TECH itself is regulated and is therefore authorised to take over not only the technical, but also the regulatory processes end-to-end.

Children’s savings products as a basis

investify TECH has already successfully established children’s savings products today. Its experience and expertise, especially in the implementation of capital-forming benefits, form the ideal starting point for the next step in innovation: a child-oriented pension model with a true long-term benefit.
The BW-Bank, part of the LBBW group, for example, recently launched its first digitalised wealth management “BW-Bank ON” in collaboration with investify TECH, followed shortly after by “BW-Bank ON for Kids” in the same application. This solution will continue to be developed and will turn investment savings even more into an experience for the whole family. Brock is convinced: “If millions of young people get involved, the Early Start Pension program will also drive forward financial education in Germany”.

Two flexible offerings

The Early Start Pension for children can be implemented either as a stand-alone solution or embedded in existing offerings. In both cases, the product is integrated completely via the proven investify TECH platform, which is characterised by high adaptability, regulatory safety and rapid implementation times.
“Our platform makes it possible for even the youngest members of society to create financial reserves right from the start – simply, securely and over decades, in an automated way”, Brock explained. “With our support, financial service providers can not only make their customers a competitive offering, but also gain many new long-term customers.”