Frühstart-Rente & Kinderdepot (children's accounts)
Two separate products: the Kinderdepot is live, the state-subsidised Frühstart-Rente starts in January 2027.
This page describes two products that are often mentioned in one breath and are not the same thing. The Kinderdepot is a managed family account that can be sold today, live, unsubsidised and freely accessible.
The Kinderdepot and the Frühstart-Rente, read apart
State-subsidised Frühstart-Rente
From January 2027The state-subsidised Frühstart-Rente, live January 2027. We are ready: several partners go live with the Frühstart-Rente on Xaver in January 2027.
The state-subsidised Frühstart-Rente is the subsidised children's pension: an account in the child's own name, paid into monthly by the state during their school years and locked until retirement age. Xaver implements it as a lifecycle account with a very long horizon.
The platform side is finished: product configuration, the advice and completion journey, allowance and custody operations, portals and documents are all in place. We are ready.
- Subsidy logic: a state contribution per month of schooling, locked until retirement age
- A lifecycle portfolio with a very long horizon; de-risking only at the end of the term
- Transition into the Altersvorsorgedepot at the start of working life
- The level of subsidy, eligibility and the cost structure follow the final product terms
Kinderdepot
live · available todayThe Kinderdepot is live and available today. Families who want to start now do not have to wait for the Frühstart-Rente.
A managed family account: a growth-oriented lifecycle portfolio with a long horizon, designed to use the child's own tax-free allowance. The assets pass to the child at the age of majority.
It is unsubsidised and freely accessible, that is the difference from the Frühstart-Rente rather than a drawback: contributions, gifts and withdrawals stay flexible because no subsidy conditions are attached.
- Globally diversified core equity block with de-risking from ten years before the goal
- Structured around the child's tax-free allowance
- Parents and grandparents can be included as gift-givers
- Contribution, gifting and withdrawal logic freely configurable
- Savings plan, gifts or one-off payments, with no separate entry or exit charges
- The level of subsidy, eligibility, access and transition of the state-subsidised Frühstart-Rente follow the final product terms. The January 2027 statement refers to going live on the Xaver platform.
- None of that touches the Kinderdepot: it is live, available today and unsubsidised.
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