The main purpose of investment is to earn money for a carefree old age. The fact is that in Germany the pension is financed by current employees. That is, you pay for someone's pension from your salary, and even now this funding is not enough. Since the German population is constantly aging, it means that when you retire, the size of the pension fund will be even smaller. Therefore, you should not fully rely on the state pension. The sooner you start investing, the more your investment will grow.