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PrismaLife Altersvorsorgedepot: costs, variants and terms

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

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Before launch

Early registration: ReservationSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)

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Prisma FlexInvest FörderPlus

Variant not announced

Costs

Refund of fund costs: 100% of retrocessions (kickbacks) from managed funds are refunded to customersSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)

Not yet published:Total cost p.a.Account or contract feeFund costs (TER)Front-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 selection of ETFs and managed funds, up to 35 holdings at onceSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Investment choice: approx. 140 ETFs and managed funds; up to 35 holdings at onceSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Contribution guarantee: NoneSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)

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

Contributions and switching

Minimum contribution: €10 per month for allowances (subsidy calculator)Source ↗ · retrieved 21 October 2026 at 13:39 (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: only via independent intermediaries; PrismaLife does not advise directlySource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Start: planned from January 2027announcedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Special features: Net-policy provider (product and remuneration kept separate); intermediary tools such as 'Prisma FundFinder'; 'different product variants'Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)

Not yet published:RequirementsCertification

PrismaLife: product name not yet published

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

Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocationShift before retirementInvestment choiceContribution guarantee

Contributions and switching

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsRiester transferAllowance application

Payout

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

Opening an account

How to sign up: only via independent intermediaries; PrismaLife does not advise directlySource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Special features: Access to a low-cost Standarddepot in cooperation with BarmeniaGothaerSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)

Not yet published:RequirementsStartCertification

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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.