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ING Altersvorsorgedepot: costs, variants and terms

ING has announced 2 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Altersvorsorge-Depot Relax, Altersvorsorge-Depot Aktiv. This page lists everything ING has published about it so far, with the source and the time we retrieved it.

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Before launch

Early registration: Waiting listSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)

Promotion: €50 welcome bonus for new customers: launch list by 30.11.2026, opening by 15.02.2027; only for those who have not been ING customers in the last 12 monthsSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)

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Altersvorsorge-Depot Relax

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: managed (two preselected ETFs; allocation selectable)Source ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Growth component: Equity ETF (not yet named)Source ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Low-risk component: Bond ETF (not yet named)Source ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Initial allocation: Allocation individually selectable, adjustable at any timeSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Shift before retirement: 5 years before the payout phase automatic switch from the equity ETF to the bond ETFSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Investment choice: 2 ETFsSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)

Not yet published:Contribution guarantee

Contributions and switching

Minimum contribution: €10 per month (minimum contribution for the subsidy)Source ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Riester transfer: Riester contract can be moved 'in the course of the year'announcedSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Not yet published:Drawdown planLife annuityWithdrawal for owner-occupied property

Opening an account

Start: from January 2027announcedSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)

Not yet published:How to sign upRequirementsCertificationSpecial features

Altersvorsorge-Depot Aktiv

Self-directed accountSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)

Costs

Investment

Who decides on the investment: self-directedSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Growth component: Choice of ETFs and fundsSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Low-risk component: Choice of ETFs and fundsSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Initial allocation: Default: two selected ETFs, can be changed laterSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Investment choice: wide choice of selected ETFs and funds from established partnersSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)

Not yet published:Shift before retirementContribution guarantee

Contributions and switching

Minimum contribution: €10 per month (minimum contribution for the subsidy)Source ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Riester transfer: Riester contract can be moved 'in the course of the year'announcedSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Not yet published:Drawdown planLife annuityWithdrawal for owner-occupied property

Opening an account

Start: from January 2027announcedSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)
Special features: Switching into other funds and ETFs possibleSource ↗ · retrieved 21 October 2026 at 13:19 (Berlin time)

Not yet published:How to sign upRequirementsCertification

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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.