Fund company2 products
BCA / Xaver Altersvorsorgedepot: costs, variants and terms
BCA / Xaver (BCA Xaver Altersvorsorgedepot powered by ODDO BHF Asset Management) has announced 2 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): BCA Xaver Altersvorsorgedepot Standard, BCA Xaver Altersvorsorgedepot Premium. This page lists everything BCA / Xaver has published about it so far, with the source and the time we retrieved it.
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BCA Xaver Altersvorsorgedepot Standard
StandarddepotSource ↗ · retrieved 21 October 2026 at 13:10 (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
- preset investment strategySource ↗ · retrieved 21 October 2026 at 13:10 (Berlin time)
Not yet published:Growth componentLow-risk componentInitial allocationShift before retirementInvestment choiceContribution guarantee
Contributions and switching
- Riester transfer
- integrated Riester comparison and switching service (for its own and other providers' Riester customers) plannedannouncedSource ↗ · retrieved 21 October 2026 at 13:10 (Berlin time)
Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application
Payout
Not yet published:Drawdown planLife annuityWithdrawal for owner-occupied property
Opening an account
- How to sign up
- only via intermediaries: partners of BCA AG, BfV Bank für Vermögen AG and CARAT Fonds Service AG; hybrid process (self-service and personal advice); white label for insurers, financial sales firms, broker networksSource ↗ · retrieved 21 October 2026 at 13:10 (Berlin time)
- Start
- Available from January 2027; pre-onboarding for intermediaries since October 2026Source ↗ · retrieved 21 October 2026 at 13:10 (Berlin time)
- Special features
- Xaver as provider and product and technology partner, ODDO BHF AM supplies investment expertise; hybrid advice and sign-up journeys, AI-supported servicing; Frühstart-Rente planned via the same journeySource ↗ · retrieved 21 October 2026 at 13:10 (Berlin time)
Not yet published:RequirementsCertification
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