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Joe Broker Altersvorsorgedepot: costs, variants and terms

Joe Broker (TARGOBANK) has announced 2 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Standarddepot (name not yet announced), Altersvorsorgedepot (name not yet announced). This page lists everything Joe Broker has published about it so far, with the source and the time we retrieved it.

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Before launch

Early registration: NoneSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

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Standarddepot (name not yet announced)

StandarddepotSource ↗ · retrieved 21 October 2026 at 13:38 (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: preselected product range with default settingsSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Contribution guarantee: None (no contribution guarantee)Source ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirementInvestment choice

Contributions and switching

Minimum contribution: €120 p.a. minimum own contribution for the Grundzulage (statutory)Source ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsRiester transferAllowance application

Payout

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

Opening an account

How to sign up: App (can be opened separately in the Joe Broker app)Source ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Requirements: existing Joe Broker account (onboarding first), from age 18Source ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Start: 1 January 2027 (planned)announcedSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

Not yet published:CertificationSpecial features

Altersvorsorgedepot (name not yet announced)

Self-directed accountSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

Costs

Investment

Who decides on the investment: self-directed (own ETF selection)Source ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Investment choice: Focus on its own ETF selection; specific ETFs/funds, and whether individual shares are possible, will be published before launchannouncedSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Contribution guarantee: None (no contribution guarantee)Source ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

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

Contributions and switching

Minimum contribution: €120 p.a. minimum own contribution for the Grundzulage (statutory)Source ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsRiester transferAllowance application

Payout

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

Opening an account

How to sign up: App (can be opened separately in the Joe Broker app)Source ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Requirements: existing Joe Broker account (onboarding first), from age 18Source ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Start: 1 January 2027 (planned)announcedSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

Not yet published:CertificationSpecial features

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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.