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quirion Altersvorsorgedepot: costs, variants and terms
quirion has announced 2 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Standard (statutory standard account contract), Pro. This page lists everything quirion has published about it so far, with the source and the time we retrieved it.
Before launch
Early registration: ReservationSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
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Standard (statutory standard account contract)
StandarddepotSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)Costs
- Total cost p.a.
- at launch: no account fee, ETF costs refunded at least in year 1; from year 2 not yet publishedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Account or contract fee
- €0 at launchSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Fund costs (TER)
- 0.07% (equity ETF) / 0.08% (bond ETF)Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Refund of fund costs
- TER of both ETFs refunded at least in the first year; thereafter not yet publishedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Front-end load
- no set-up fees, no commissionsSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Not yet published:Savings plan feeFee for purchases and salesDepends on pricing planCost of switching providerCosts in the payout phase
Investment
- Who decides on the investment
- managedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Growth component
- Vanguard FTSE Global All-CapSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Low-risk component
- Vanguard Global Aggregate Bond EUR HedgedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Shift before retirement
- statutory glide path (5 years before payout max. 50%, 2 years before max. 30% in risk classes 3–5); automatic rebalancingannouncedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Investment choice
- 2 ETFs (1 equity ETF, 1 bond ETF)Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Contribution guarantee
- no contribution guaranteeannouncedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Not yet published:Initial allocation
Contributions and switching
- Lump-sum payments
- Lump-sum payments possible at any time (up to €6,840 per year)Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Pausing contributions
- Increase, reduce or pause the savings instalment at any time, free of chargeSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Riester transfer
- quirion accepts transfers from Riester contracts; process and terms not yet publishedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Allowance application
- Standing allowance application on opening; quirion claims the allowance from the ZfA every year (costs not stated)Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Not yet published:Minimum contribution
Payout
- Drawdown plan
- Drawdown plan until at least 85 (start 65–70, up to 30% lump-sum withdrawal)announcedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Life annuity
- life annuity named as an optionannouncedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Not yet published:Withdrawal for owner-occupied property
Opening an account
- How to sign up
- online / appannouncedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Start
- 1 January 2027Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Certification
- not yet granted (1 January 2027 at the earliest)Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Special features
- Partnership with Vanguard; automatic rebalancing; personal support and the quirion.ai financial AI; Riester check plannedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Not yet published:Requirements
Pro
Self-directed accountSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)Costs
- Front-end load
- no set-up fees, no commissionsannouncedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Not yet published:Total cost p.a.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 (asset management)Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Initial allocation
- Choice of eleven strategies (0–100% equity share)announcedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Shift before retirement
- individual glide path, planned with the customerSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Investment choice
- broadly diversified ETF portfolio (over 13,000 stocks, 2,000 bonds)Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Contribution guarantee
- no contribution guaranteeannouncedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Not yet published:Growth componentLow-risk component
Contributions and switching
- Lump-sum payments
- Lump-sum payments possible at any time (up to €6,840 per year)Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Pausing contributions
- Increase, reduce or pause the savings instalment at any time, free of chargeSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Riester transfer
- quirion accepts transfers from Riester contracts; process and terms not yet publishedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Allowance application
- Standing allowance application on opening; quirion claims the allowance from the ZfA every year (costs not stated)Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Not yet published:Minimum contribution
Payout
- Drawdown plan
- Drawdown plan until at least 85 (start 65–70, up to 30% lump-sum withdrawal)announcedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Life annuity
- life annuity named as an optionannouncedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Not yet published:Withdrawal for owner-occupied property
Opening an account
- How to sign up
- online / appannouncedSource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Start
- 1 January 2027Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Certification
- not yet granted (1 January 2027 at the earliest)Source ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
- Special features
- individual risk path; personal support and the quirion.ai financial AISource ↗ · retrieved 21 October 2026 at 13:39 (Berlin time)
Not yet published:Requirements
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