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Sunrise Altersvorsorgedepot: costs, variants and terms

Sunrise (Sunrise Securities GmbH, Wien) has announced one product for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Sunrise Altersvorsorgedepot. This page lists everything Sunrise 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 13:42 (Berlin time)

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Sunrise Altersvorsorgedepot

Variant not announced

Costs

Total cost p.a.: only fund costs (< 1% p.a.); account and transactions free of chargeannouncedSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Account or contract fee: €0 (account management free of charge)announcedSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Fund costs (TER): below 1% p.a.; Standortfonds Deutschland 1.0%announcedSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Fee for purchases and sales: €0 (unlimited free transactions)announcedSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Cost of switching provider: Costs may arise only for external account transfers (amount not yet published)announcedSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Not yet published:Refund of fund costsFront-end loadSavings plan feeDepends on pricing planCosts in the payout phase

Investment

Who decides on the investment: Customer chooses the allocation across Sunrise funds; fund management steers within the fundsannouncedSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Growth component: Standortfonds DeutschlandannouncedSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Low-risk component: Sunrise Dividends and InterestannouncedSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Investment choice: Sunrise funds (Standortfonds Deutschland, Sunrise Dividends and Interest)announcedSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)

Not yet published:Initial allocationShift before retirementContribution guarantee

Contributions and switching

Minimum contribution: from €10 per monthannouncedSource ↗ · retrieved 21 October 2026 at 13:42 (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: online / app (Sunrise App, web app)announcedSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Start: planned from January 2027announcedSource ↗ · retrieved 21 October 2026 at 13:42 (Berlin time)
Special features: Focus on Germany as a business location and euro investments; personal customer service; Frühstart-Rente plannedannouncedSource ↗ · retrieved 21 October 2026 at 13:42 (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.