Insurer3 products
R+V Altersvorsorgedepot: costs, variants and terms
R+V has announced 3 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): R+V: product name not yet published, R+V: product name not yet published, R+V: product name not yet published. This page lists everything R+V has published about it so far, with the source and the time we retrieved it.
Before launch
Early registration: NoneSource ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
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R+V: product name not yet published
Variant not announcedCosts
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
- standardised; 2 preset ETFs, split adjustableSource ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Investment choice
- 2 predefined ETFs (names/ISINs not published)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Contribution guarantee
- None (0%)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:Growth componentLow-risk componentInitial allocationShift before retirement
Contributions and switching
- Minimum contribution
- €120 per year (minimum amount)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Riester transfer
- Keep the Riester contract, convert it to the new subsidy or transfer the capital into the new product (guarantee lapses)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:Lump-sum paymentsPausing contributionsAllowance application
Payout
- Drawdown plan
- Drawdown plan (until at least 85) selectable at the start of the payout phaseSource ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Life annuity
- lifelong pension (basic form)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:Withdrawal for owner-occupied property
Opening an account
- Start
- from 01.01.2027Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Special features
- Partial lump-sum payment of up to 30% at the start of the payout phaseSource ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:How to sign upRequirementsCertification
R+V: product name not yet published
Variant not announcedCosts
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
- self-directed: individual ETF selection or ETF comfort portfoliosSource ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Investment choice
- ETFs or ETF comfort portfolios (number not stated)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Contribution guarantee
- None (0%)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:Growth componentLow-risk componentInitial allocationShift before retirement
Contributions and switching
- Minimum contribution
- €120 per year (minimum amount)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Riester transfer
- Keep the Riester contract, convert it to the new subsidy or transfer the capital into the new product (guarantee lapses)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:Lump-sum paymentsPausing contributionsAllowance application
Payout
- Drawdown plan
- Drawdown plan (until at least 85) selectable at the start of the payout phaseSource ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Life annuity
- lifelong pension (basic form)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:Withdrawal for owner-occupied property
Opening an account
- Start
- from 01.01.2027Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Special features
- Partial lump-sum payment of up to 30% at the start of the payout phaseSource ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:How to sign upRequirementsCertification
R+V: product name not yet published
Variant not announcedCosts
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
- Guarantee assets plus a growth-oriented ETF component; ETF allocation adjustableSource ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Investment choice
- R+V guarantee assets + ETFs (number not stated)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Contribution guarantee
- 80% of contributions and allowances paid in, at the start of payoutSource ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:Growth componentLow-risk componentInitial allocationShift before retirement
Contributions and switching
- Minimum contribution
- €120 per year (minimum amount)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Riester transfer
- Keep the Riester contract, convert it to the new subsidy or transfer the capital into the new product (guarantee lapses)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:Lump-sum paymentsPausing contributionsAllowance application
Payout
- Drawdown plan
- Drawdown plan (until at least 85) selectable at the start of the payout phaseSource ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Life annuity
- lifelong pension (basic form)Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:Withdrawal for owner-occupied property
Opening an account
- Start
- from 01.01.2027Source ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
- Special features
- Partial lump-sum payment of up to 30% at the start of the payout phaseSource ↗ · retrieved 21 October 2026 at 13:21 (Berlin time)
Not yet published:How to sign upRequirementsCertification
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