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Hansainvest Altersvorsorgedepot: costs, variants and terms

HANSAINVEST (mit Baader Bank und investify TECH) has announced 2 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): The HANSAINVEST Standarddepot, The self-directed Altersvorsorgedepot. This page lists everything Hansainvest has published about it so far, with the source and the time we retrieved it.

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The HANSAINVEST Standarddepot

StandarddepotSource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)

Costs

Total cost p.a.: max. 1% effective costs p.a. (statutory cap; actual figure not yet published)Source ↗ · retrieved 21 October 2026 at 13:17 (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: managed, little decision-making effort; contributions go into two HANSAINVEST fundsSource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)
Investment choice: 2 HANSAINVEST fundsSource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)

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

Contributions and switching

Allowance application: Allowance administration by Baader Bank (costs not stated)Source ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsRiester transfer

Payout

Drawdown plan: Drawdown plan via Baader Bank (terms not published)announcedSource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)

Not yet published:Life annuityWithdrawal for owner-occupied property

Opening an account

How to sign up: only via partners (wealth managers, asset managers, insurers, broker pools) as white label; digital application process by investifySource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)
Start: planned from 1 January 2027announcedSource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)
Special features: Hansainvest is the provider (service management company), Baader Bank holds the account and settlement account, investify TECH provides the digital journeySource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)

Not yet published:RequirementsCertification

The self-directed Altersvorsorgedepot

Self-directed accountSource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)

Costs

Total cost p.a.: variable cost structure (per partner, not published)Source ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)

Investment

Who decides on the investment: managed by the partner's portfolio managerSource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)
Investment choice: UCITS, AIFs, ELTIFs, bonds up to risk class 5Source ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)

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

Contributions and switching

Allowance application: Allowance administration by Baader Bank (costs not stated)Source ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsRiester transfer

Payout

Drawdown plan: Drawdown plan via Baader Bank (terms not published)announcedSource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)

Not yet published:Life annuityWithdrawal for owner-occupied property

Opening an account

How to sign up: only via partners (wealth managers, asset managers, insurers, broker pools) as white label; digital application process by investifySource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)
Start: planned from 1 January 2027announcedSource ↗ · retrieved 21 October 2026 at 13:17 (Berlin time)
Special features: Hansainvest is the provider (service management company), Baader Bank holds the account and settlement account, investify TECH provides the digital journeySource ↗ · retrieved 21 October 2026 at 13:17 (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.