Handelsblatt projects that the forthcoming Kapitalrente could let German savers add as much as €393,000 to their retirement pots from 2028
Executive summary: Handelsblatt calculated that, starting in 2028, the new Kapitalrente could enable Germans to accumulate up to €393,000 extra in retirement savings under various contribution and return assumptions. The projection signals a potentially significant uplift to retirement incomes, which could reshape saving habits, boost demand for private pension products, and influence related financial‑services sectors. Handelsblatt (analysis publisher), German workers nearing retirement, pension providers, and policymakers shaping the Kapitalrente framework. Further legislative details on the Kapitalrente are expected later in 2026, financial firms may begin product design, and public communication campaigns could roll out to inform savers.
The Handelsblatt analysis runs four age‑based scenarios to illustrate the potential extra savings from the new capital‑based pension slated for 2028. It shows that, depending on contribution levels and investment returns, individuals could see a substantial boost to their statutory pension. The figure highlights the possible impact on private retirement savings behaviour and the market for pension products.
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