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Oskar Altersvorsorgedepot: costs, variants and terms

Oskar has announced one product for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): OSKAR Altersvorsorgedepot. This page lists everything Oskar 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 13:38 (Berlin time)

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OSKAR Altersvorsorgedepot

StandarddepotSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

Costs

Total cost p.a.: below the statutory cap of 1.0% ('well below'), no figure givenannouncedSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Front-end load: no high set-up costs (no figure)announcedSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

Not yet published:Account or contract feeFund costs (TER)Refund of fund costsSavings plan feeFee for purchases and salesDepends on pricing planCost of switching providerCosts in the payout phase

Investment

Who decides on the investment: managed (curated ETF portfolios)Source ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Growth component: exclusive Oskar ETFs (specific funds not named)announcedSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Shift before retirement: automatic lifecycle: shift into lower-risk investments towards retirementSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Investment choice: no free-choice account; fund selection by OskarSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Contribution guarantee: no guaranteeannouncedSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

Not yet published:Low-risk componentInitial allocation

Contributions and switching

Minimum contribution: €25 per month (page header/calculator)announcedSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Riester transfer: Riester savings transferableannouncedSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

Not yet published:Lump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: up to 30% lump-sum payment, the rest as a drawdown plan to at least 85announcedSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)

Not yet published:Life annuityWithdrawal for owner-occupied property

Opening an account

How to sign up: fully digitalSource ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Start: 1 January 2027Source ↗ · retrieved 21 October 2026 at 13:38 (Berlin time)
Special features: Insolvency-protected account at Baader Bank (cash account, securities account, trading)Source ↗ · retrieved 21 October 2026 at 13:38 (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.