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BarmeniaGothaer Altersvorsorgedepot: costs, variants and terms

BarmeniaGothaer has announced 3 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Standarddepot, Altersvorsorgedepot Premium, FörderPlus GarantieRente Invest. This page lists everything BarmeniaGothaer has published about it so far, with the source and the time we retrieved it.

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Standarddepot

StandarddepotSource ↗ · retrieved 21 October 2026 at 13:33 (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

Who decides on the investment: standardised by law, preconfigured; investment strategy can be switchedSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)
Investment choice: two broadly diversified Vanguard ETFs (names/ISINs not published)Source ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirementContribution guarantee

Contributions and switching

Riester transfer: Existing Riester contracts can be switched to the new subsidy or new product rangeSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan until a minimum age of 85 or 95Source ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:Life annuityWithdrawal for owner-occupied property

Opening an account

How to sign up: sign up and manage fully digitally (online)Source ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)
Start: from January 2027Source ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)
Special features: digital account view and management via app; advertised as 'low-cost', no cost figureSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:RequirementsCertification

Altersvorsorgedepot Premium

Variant not announced

Costs

Investment

Who decides on the investment: managed: professional fund asset management, 5 variants by investment horizon/risk appetiteSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)
Investment choice: 5 professionally managed portfolios, ongoing rebalancingSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirementContribution guarantee

Contributions and switching

Riester transfer: Existing Riester contracts can be switched to the new subsidy or new product rangeSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan until a minimum age of 85 or 95Source ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:Life annuityWithdrawal for owner-occupied property

Opening an account

How to sign up: personal advice via BarmeniaGothaer intermediaries/brokers; online sign-up not announcedSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)
Start: from January 2027Source ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)
Special features: Asset managers make the investment decisions and monitor portfolios; managed via appSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:RequirementsCertification

FörderPlus GarantieRente Invest

With guaranteeSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Costs

Investment

Who decides on the investment: Choice of 5 investment options incl. sustainable options; investment strategy can be switchedSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)
Investment choice: 5 investment options, incl. sustainable optionsSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)
Contribution guarantee: 80% contribution guaranteeSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirement

Contributions and switching

Riester transfer: Existing Riester contracts can be switched to the new subsidy or new product rangeSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application

Payout

Life annuity: lifelong pensionSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:Drawdown planWithdrawal for owner-occupied property

Opening an account

How to sign up: personal advice via BarmeniaGothaer intermediaries/brokers; online sign-up not announcedSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)
Start: from January 2027Source ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)
Special features: existing plan, also subsidised in future; flexible retirement start; digital investment configuratorSource ↗ · retrieved 21 October 2026 at 13:33 (Berlin time)

Not yet published:RequirementsCertification

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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: 21 October 2026.