Insurer3 products
Helvetia Deutschland Altersvorsorgedepot: costs, variants and terms
Helvetia Deutschland has announced 3 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): AVD Standard, AVD Premium, Helvetia Deutschland: product name not yet published. This page lists everything Helvetia Deutschland has published about it so far, with the source and the time we retrieved it.
Before launch
Early registration: Pre-registrationSource ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
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AVD Standard
StandarddepotSource ↗ · retrieved 21 October 2026 at 13:18 (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
- statutory Standarddepot, ETF-basedSource ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
- Investment choice
- ETF-based (funds/ETFs not published)Source ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
- Contribution guarantee
- NoneSource ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
Not yet published:Growth componentLow-risk componentInitial allocationShift before retirement
Contributions and switching
- Allowance application
- Allowances are applied for within the platform journey; permanent allowance application possible (costs not stated)Source ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
Not yet published:Minimum contributionLump-sum paymentsPausing contributionsRiester transfer
Payout
Not yet published:Drawdown planLife annuityWithdrawal for owner-occupied property
Opening an account
- How to sign up
- digital via the Helvetia retirement platform or with personal advice; hybrid and fully digital sign-up journeys for intermediaries (§ 34d GewO)Source ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
- Start
- from 1.1.2027 (switch from the starter account with consent)Source ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
- Special features
- Helvetia Startdepot (unsubsidised) from Q4 2026, moved into the AVD from 1.1.2027Source ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
Not yet published:RequirementsCertification
Helvetia Deutschland: product name not yet published
Variant not announcedCosts
- Total cost p.a.
- Cost cap on effective costs (level not stated)Source ↗ · retrieved 21 October 2026 at 13:18 (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
- self-directed: own fund selection within a unit-linked pension insuranceSource ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
- Investment choice
- wide fund selection (number not stated)Source ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
Not yet published:Growth componentLow-risk componentInitial allocationShift before retirementContribution guarantee
Contributions and switching
Not yet published:Minimum contributionLump-sum paymentsPausing contributionsRiester transferAllowance application
Payout
- Drawdown plan
- flexible drawdown plan (remains invested)Source ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
- Life annuity
- Annuitisation with high guaranteed annuity factorsSource ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
- Withdrawal for owner-occupied property
- possible (withdrawal for owner-occupied property)Source ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
Opening an account
- How to sign up
- digital or with personal advice; via intermediariesSource ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
- Special features
- unit-linked pension insurance from the Best-Invest family; effective cost cap, guaranteed annuity factors, withdrawal for owner-occupied propertySource ↗ · retrieved 21 October 2026 at 13:18 (Berlin time)
Not yet published:RequirementsStartCertification
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