Paths to the Altersvorsorgedepot compared

There are several paths to the Altersvorsorgedepot: the self-directed path via a neobroker, the traditional advice-led sales channel, and the combined path via a neutral portal. In six head-to-head comparisons, we show openly where Vorsorgedepot-Lotse differs, what the alternatives do better, and which path suits whom. Every fact is sourced with a retrieval date.

Head-to-head

Vorsorgedepot-Lotse vs. Trade Republic

Trade Republic is the cheap, self-directed path with no advice. Vorsorgedepot-Lotse adds neutral orientation, a subsidy calculator and advice on request.

Head-to-head

Vorsorgedepot-Lotse vs. Scalable Capital

Scalable Capital has the most concrete AVD announcement in the market. Vorsorgedepot-Lotse answers the question before it: is the Altersvorsorgedepot worth it for you?

Head-to-head

Vorsorgedepot-Lotse vs. finanzen.net zero

finanzen.net zero offers €0 terms and an AVD waiting list, but no advice. Vorsorgedepot-Lotse provides the neutral decision basis that comes before that.

Head-to-head

Vorsorgedepot-Lotse vs. DVAG

DVAG offers advice in 5,200 offices, but exclusively with Generali products. Vorsorgedepot-Lotse is the free, product-open alternative.

Head-to-head

Vorsorgedepot-Lotse vs. MLP

MLP offers academics fully supported financial planning, but earns on commissions. Vorsorgedepot-Lotse provides the free, neutral basis that comes before that.

Head-to-head

Vorsorgedepot-Lotse vs. Swiss Life Select

Swiss Life Select offers appointments nationwide but belongs to the Swiss Life group. Vorsorgedepot-Lotse is the free, group-free alternative that comes before that.

How we evaluated

For these head-to-head comparisons, we examined both paths to the Altersvorsorgedepot: self-directed brokers and advice-led sales channels. For each provider, we evaluated the official pages plus independent sources (BaFin, Stiftung Warentest, Finanztip, Verbraucherzentrale, Finanzwende, annual reports); every figure carries a source and a retrieval date. The comparison follows fixed criteria, cell by cell with sourced facts; where a sourced value is missing, a dash appears. Vorsorgedepot-Lotse appears as its own option under the same rules, including its own weaknesses and an honest verdict on when the alternative is the better fit.

Transparency: this comparison comes from the Vorsorgedepot-Lotse editorial team. Here we compare our own offering with alternatives and are not a neutral third party. Every fact is sourced with a retrieval date. Vorsorgedepot-Lotse is free to use; we receive compensation when advice arranged through us, delivered by an independent partner, leads to a contract, and potentially via marked affiliate links to account providers. This does not cost you anything extra. Our assessment, selection and ranking are based solely on the disclosed criteria; commissions have no influence on them.

Tilman Freyenhagen, Author, Vorsorgedepot-Lotse · Last verified 21 July 2026