Insurer3 products

Alte Leipziger Altersvorsorgedepot: costs, variants and terms

Alte Leipziger has announced 3 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): ALfonds-Plus guarantee product (80% contribution guarantee), ALfonds-Plus fund-linked solution without a contribution guarantee, ALfonds-Plus Standarddepot. This page lists everything Alte Leipziger has published about it so far, with the source and the time we retrieved it.

Alte Leipziger website ↗Compare all providers

Before launch

Early registration: NoneSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Not sure which account fits you?

A free, no-obligation conversation with an independent adviser.

ALfonds-Plus guarantee product (80% contribution guarantee)

With guaranteeSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Costs

Not yet published:Total cost p.a.Account or contract feeFund costs (TER)Refund of fund costsFront-end loadSavings plan feeFee for purchases and salesDepends on pricing planCost of switching providerCosts in the payout phase

Investment

Investment choice: around 170 funds from more than 40 fund companies (including Alte Leipziger Trust)Source ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Contribution guarantee: 80% contribution guaranteeSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocationShift before retirement

Contributions and switching

Minimum contribution: €120 a year (minimum contribution for the state subsidy)Source ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Riester transfer: Switch possible from 2027: existing Riester savings can be transferred into the new subsidy system; no automatic switchSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan can be chosen at retirement; end age selectable between 85 and 100Source ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Life annuity: lifelong pension can be chosen at retirement; guaranteed annuity factorSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Withdrawal for owner-occupied property: Eigenheimrente possible (premium variants)Source ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Opening an account

Start: on 1 January 2027announcedSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Special features: guaranteed annuity factor plus a guaranteed pension with the guarantee productSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Not yet published:How to sign upRequirementsCertification

ALfonds-Plus fund-linked solution without a contribution guarantee

Self-directed accountSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Costs

Investment

Investment choice: around 170 funds from more than 40 fund companies (including Alte Leipziger Trust)Source ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Contribution guarantee: None (0%)Source ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocationShift before retirement

Contributions and switching

Minimum contribution: €120 a year (minimum contribution for the state subsidy)Source ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Riester transfer: Switch possible from 2027: existing Riester savings can be transferred into the new subsidy system; no automatic switchSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan can be chosen at retirement; end age selectable between 85 and 100Source ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Life annuity: lifelong pension can be chosen at retirement; guaranteed annuity factorSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Withdrawal for owner-occupied property: Eigenheimrente possible (premium variants)Source ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Opening an account

Start: on 1 January 2027announcedSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Not yet published:How to sign upRequirementsCertificationSpecial features

ALfonds-Plus Standarddepot

StandarddepotSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Costs

Investment

Who decides on the investment: standardised, fewer choicesSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Contribution guarantee: None (0%)Source ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirementInvestment choice

Contributions and switching

Minimum contribution: €120 a year (minimum contribution for the state subsidy)Source ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Riester transfer: Switch possible from 2027: existing Riester savings can be transferred into the new subsidy system; no automatic switchSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Not yet published:Drawdown planLife annuityWithdrawal for owner-occupied property

Opening an account

How to sign up: online (online sign-up), offered by Alte Leipziger directlySource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)
Start: on 1 January 2027announcedSource ↗ · retrieved 3 November 2026 at 10:58 (Berlin time)

Not yet published:RequirementsCertificationSpecial features

More providers: Insurer

Not sure which account fits you?

Get free, independent advice. We'll help you find the right account and the right path into the Altersvorsorgedepot from 2027.

Free and without obligation.

Legal notice

This article is for general information and reflects the position at the time of publication. It does not constitute investment advice, investment brokerage, tax advice or legal advice.

The study results, scenarios, model calculations and diagnostic questions presented here are no substitute for an assessment of your personal circumstances. Whether a retirement product suits you, and whether changing an existing Riester contract is advantageous, depends on your individual contract terms, financial goals and personal situation.

Depending on the product and the subject of the advice, different regulatory permissions may be required, for example under § 34d, § 34f or § 34h GewO. Capital investments carry risk. Past performance is not a reliable indicator of future results.

We cannot guarantee that the information on this page is current, accurate or complete. You will find all up-to-date product and price information on the respective providers' own websites. You can see how we award points for each individual condition in our scoring overview. We highlight the highest-scoring providers as top recommendations at the start of the page.

English translation: This is a convenience translation. Vorsorgedepot-Lotse is a German provider and the German version of this page is the legally binding text; in the event of any discrepancy, the German wording prevails. View the German version.

As at: 03 November 2026.