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CosmosDirekt Altersvorsorgedepot: costs, variants and terms

CosmosDirekt has announced one product for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): CosmosDirekt: product name not yet published. This page lists everything CosmosDirekt has published about it so far, with the source and the time we retrieved it.

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Before launch

Early registration: NoneSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)

Promotion: Prize draw: chance to win a €10,000 TUI travel voucher when registering for informationSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)

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CosmosDirekt: product name not yet published

Variant not announced

Costs

Total cost p.a.: Effective costs 'well below' the statutory maximum (1%); no figureSource ↗ · retrieved 21 October 2026 at 13:35 (Berlin time)

Not yet published: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; split contribution across two funds, otherwise the provider's proposalSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)
Shift before retirement: Maturity management in the final years of the accumulation phase (5 yrs before maturity max. 50%, 2 yrs before max. 30% return-oriented); individually adjustableSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)
Investment choice: one safety-oriented and one return-oriented fund (names/ISINs not published)Source ↗ · retrieved 21 October 2026 at 13:35 (Berlin time)
Contribution guarantee: NoneSource ↗ · retrieved 21 October 2026 at 13:35 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocation

Contributions and switching

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsRiester transferAllowance application

Payout

Drawdown plan: Drawdown plan, life annuity or a combinationSource ↗ · retrieved 21 October 2026 at 13:35 (Berlin time)
Life annuity: constant life annuity (standard); alternatively variable lifelong payment with a minimum pensionSource ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

How to sign up: online direct (fully digital), advice by phone/email if neededSource ↗ · retrieved 21 October 2026 at 13:35 (Berlin time)
Start: 01.01.2027Source ↗ · retrieved 21 October 2026 at 13:34 (Berlin time)
Special features: implemented as an insurance product (life annuity option); Generali's direct insurer; prize draw at launchSource ↗ · retrieved 21 October 2026 at 13:35 (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.