Insurer5 products

ERGO Altersvorsorgedepot: costs, variants and terms

ERGO has announced 5 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): ERGO Förder-Depot Standard (ERGO Altersvorsorgedepot Standard), ERGO Förder-Depot Chance (ERGO Altersvorsorgedepot Chance), ERGO: product name not yet published, ERGO: product name not yet published, ERGO: product name not yet published. This page lists everything ERGO has published about it so far, with the source and the time we retrieved it.

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Before launch

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

Promotion: €50 early-bird bonus for contracts with policy start 01.01.–01.03.2027 (AVD Invest: application 01.01.–01.03.2027) and at least 12 months of contributions; credited by 30.06.2028Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

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ERGO Förder-Depot Standard (ERGO Altersvorsorgedepot Standard)

StandarddepotSource ↗ · retrieved 21 October 2026 at 13:13 (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; two funds, weighting individually selectableSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Investment choice: two funds (names/ISINs not published)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Contribution guarantee: NoneSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

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

Contributions and switching

Minimum contribution: €10 per month or €120 per year (minimum contribution for the subsidy)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Lump-sum payments: not expectedannouncedSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Riester transfer: Continue the Riester contract, convert it to the new subsidy on 1.1.2027 or switch to a new productSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:Pausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan (e.g. until age 85) or life annuitySource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Life annuity: product-dependent; standard: payout until age 85Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

How to sign up: via ERGO advisers / sales partners; online sign-up not mentionedSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Start: from 1 January 2027 (early bird: policy start 01.01., 01.02. or 01.03.2027)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Special features: max. own contribution €6,840 per year; no add-on insurance (e.g. occupational disability, death); €50 early-bird bonusSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:RequirementsCertification

ERGO Förder-Depot Chance (ERGO Altersvorsorgedepot Chance)

Variant not announced

Costs

Investment

Investment choice: wide choice of funds and ETFs (number not stated)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Contribution guarantee: NoneSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

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

Contributions and switching

Minimum contribution: €10 per month or €120 per year (minimum contribution for the subsidy)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Riester transfer: Continue the Riester contract, convert it to the new subsidy on 1.1.2027 or switch to a new productSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan (e.g. until age 85) or life annuitySource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Life annuity: lifelong pension or drawdown planSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

How to sign up: via ERGO advisers / sales partners; online sign-up not mentionedSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Start: from 1 January 2027 (early bird: policy start 01.01., 01.02. or 01.03.2027)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Special features: max. own contribution €6,840 per year; no add-on insurance (e.g. occupational disability, death); €50 early-bird bonusSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:RequirementsCertification

ERGO: product name not yet published

Variant not announced

Costs

Investment

Investment choice: MEAG funds (number/names not stated)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Contribution guarantee: NoneSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

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

Contributions and switching

Minimum contribution: €10 per month or €120 per year (minimum contribution for the subsidy)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Riester transfer: Continue the Riester contract, convert it to the new subsidy on 1.1.2027 or switch to a new productSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan (e.g. until age 85) or life annuitySource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Life annuity: lifelong pension or drawdown planSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

How to sign up: via ERGO advisers / sales partners; online sign-up not mentionedSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Start: from 1 January 2027 (early bird: policy start 01.01., 01.02. or 01.03.2027)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Special features: Bank account contract with FNZ Bank SE (not ERGO Vorsorge Leben); early-bird bonus is paid to the reference account and may be taxable; max. own contribution €6,840/yearSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:RequirementsCertification

ERGO: product name not yet published

Variant not announced

Costs

Investment

Who decides on the investment: Fund investment with a wide choice combined with traditional investmentSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Investment choice: Fund investment with a wide choice plus traditional investment (number not stated)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Contribution guarantee: 80% contribution guarantee (80 or 100% selectable)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

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

Contributions and switching

Minimum contribution: €10 per month or €120 per year (minimum contribution for the subsidy)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Riester transfer: Continue the Riester contract, convert it to the new subsidy on 1.1.2027 or switch to a new productSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan (e.g. until age 85) or life annuitySource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Life annuity: lifelong pension or drawdown planSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

How to sign up: via ERGO advisers / sales partners; online sign-up not mentionedSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Start: from 1 January 2027 (early bird: policy start 01.01., 01.02. or 01.03.2027)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Special features: max. own contribution €6,840 per year; no add-on insurance (e.g. occupational disability, death); €50 early-bird bonusSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:RequirementsCertification

ERGO: product name not yet published

Variant not announced

Costs

Investment

Who decides on the investment: Fund investment with a wide choice combined with traditional investmentSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Investment choice: Fund investment with a wide choice plus traditional investment (number not stated)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Contribution guarantee: 100% contribution guarantee (80 or 100% selectable)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

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

Contributions and switching

Minimum contribution: €10 per month or €120 per year (minimum contribution for the subsidy)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Riester transfer: Continue the Riester contract, convert it to the new subsidy on 1.1.2027 or switch to a new productSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan (e.g. until age 85) or life annuitySource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Life annuity: lifelong pension or drawdown planSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

How to sign up: via ERGO advisers / sales partners; online sign-up not mentionedSource ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Start: from 1 January 2027 (early bird: policy start 01.01., 01.02. or 01.03.2027)Source ↗ · retrieved 21 October 2026 at 13:13 (Berlin time)
Special features: max. own contribution €6,840 per year; no add-on insurance (e.g. occupational disability, death); €50 early-bird bonusSource ↗ · retrieved 21 October 2026 at 13:13 (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.