Insurer4 products

DEVK Altersvorsorgedepot: costs, variants and terms

DEVK has announced 4 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): DEVK-DepotRente Basis, DEVK-DepotRente Chance, DEVK: product name not yet published, DEVK: product name not yet published. This page lists everything DEVK has published about it so far, with the source and the time we retrieved it.

DEVK website ↗Compare all providers

Before launch

Early registration: NoneSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not sure which account fits you?

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

DEVK-DepotRente Basis

Variant not announced

Costs

Total cost p.a.: 'well below' 1.0% p.a. (no figure given)announcedSource ↗ · retrieved 21 October 2026 at 13:36 (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; fixed investment concept with two ETFs, individual contribution splitSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Investment choice: two ETFs, security- and return-oriented (names/ISINs not published)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Contribution guarantee: NoneSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

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

Contributions and switching

Minimum contribution: €25 per month (allowances from this minimum contribution, according to DEVK)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Riester transfer: continue existing DEVK Riester contracts or convert / switch to the new subsidy from 2027Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: time-limited drawdown plan (until at least 85)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Life annuity: lifelong pensionSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

How to sign up: online or at an advice appointment (DEVK branch offices)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Start: 01.01.2027Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Special features: Partial payout of up to 30% at pension start; lifelong pension as an insurer featureSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:RequirementsCertification

DEVK-DepotRente Chance

Variant not announced

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: self-directed: individual choice of investments (e.g. funds/ETFs)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Investment choice: Funds/ETFs from a selection compiled by DEVK, including sustainable funds (number not stated)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Contribution guarantee: NoneSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

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

Contributions and switching

Minimum contribution: €25 per month (allowances from this minimum contribution, according to DEVK)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Riester transfer: continue existing DEVK Riester contracts or convert / switch to the new subsidy from 2027Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: time-limited drawdown plan (until at least 85)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Life annuity: lifelong pensionSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

How to sign up: Signed in an advice appointment; online signing not mentionedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Start: expected from April 2027 (Q2 2027)announcedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Special features: Partial payout of up to 30% at pension start; lifelong pension as an insurer featureSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:RequirementsCertification

DEVK: product name not yet published

Variant not announced

Costs

Investment

Who decides on the investment: established capital market investments with the option of choosing your own fundsSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Investment choice: own fund selection possible (number not stated)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Contribution guarantee: 80% contribution guarantee (80 or 100% selectable)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

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

Contributions and switching

Minimum contribution: €25 per month (allowances from this minimum contribution, according to DEVK)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Lump-sum payments: Additional payments possible (planned)announcedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Pausing contributions: Contribution pauses possible (planned)announcedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Riester transfer: continue existing DEVK Riester contracts or convert / switch to the new subsidy from 2027Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:Allowance application

Payout

Drawdown plan: time-limited drawdown plan (until at least 85)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Life annuity: lifelong pensionSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

How to sign up: only as part of qualified adviceannouncedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Start: expected from April 2027 (Q2 2027)announcedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Special features: based on the unit-linked pension insurance DEVK-Rente ZukunftPlus; partial payout of up to 30% at retirement startannouncedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:RequirementsCertification

DEVK: product name not yet published

Variant not announced

Costs

Investment

Who decides on the investment: established capital market investments with the option of choosing your own fundsSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Investment choice: own fund selection possible (number not stated)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Contribution guarantee: 100% contribution guarantee (80 or 100% selectable)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

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

Contributions and switching

Minimum contribution: €25 per month (allowances from this minimum contribution, according to DEVK)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Lump-sum payments: Additional payments possible (planned)announcedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Pausing contributions: Contribution pauses possible (planned)announcedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Riester transfer: continue existing DEVK Riester contracts or convert / switch to the new subsidy from 2027Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:Allowance application

Payout

Drawdown plan: time-limited drawdown plan (until at least 85)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Life annuity: lifelong pensionSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

How to sign up: only as part of qualified adviceannouncedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Start: expected from April 2027 (Q2 2027)announcedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Special features: based on the unit-linked pension insurance DEVK-Rente ZukunftPlus; partial payout of up to 30% at retirement startannouncedSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)

Not yet published:RequirementsCertification

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: 21 October 2026.