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Raisin Altersvorsorgedepot: costs, variants and terms

Raisin has announced 2 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Raisin: product name not yet published, Raisin: product name not yet published. This page lists everything Raisin 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 13:40 (Berlin time)

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Raisin: product name not yet published

Self-directed accountSource ↗ · retrieved 21 October 2026 at 13:40 (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: self-directed (self-managed ETF portfolio)announcedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)
Contribution guarantee: no contribution guaranteeannouncedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)

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

Contributions and switching

Riester transfer: transfer of existing Riester contracts from 2027announcedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan until at least 85 (chosen at the start of the payout phase)announcedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)
Life annuity: life annuity availableannouncedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

Start: January 2027announcedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)
Special features: Product of Raisin BankSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)

Not yet published:How to sign upRequirementsCertification

Raisin: product name not yet published

Self-directed accountSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)

Costs

Investment

Who decides on the investment: managed (Raisin asset management)announcedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)
Contribution guarantee: no contribution guaranteeannouncedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)

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

Contributions and switching

Riester transfer: transfer of existing Riester contracts from 2027announcedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application

Payout

Drawdown plan: Drawdown plan until at least 85 (chosen at the start of the payout phase)announcedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)
Life annuity: life annuity availableannouncedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)

Not yet published:Withdrawal for owner-occupied property

Opening an account

Start: January 2027announcedSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)
Special features: Product of Raisin BankSource ↗ · retrieved 21 October 2026 at 13:40 (Berlin time)

Not yet published:How to sign upRequirementsCertification

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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.