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Traders Place Altersvorsorgedepot: costs, variants and terms

Traders Place has announced 2 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Standarddepot / Standard-Altersvorsorgedepot, Allgemeines Altersvorsorgedepot (in the terms and conditions: flexibles Altersvorsorgedepot). This page lists everything Traders Place has published about it so far, with the source and the time we retrieved it.

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Standarddepot / Standard-Altersvorsorgedepot

StandarddepotSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Costs

Total cost p.a.: €0 fees; TER 100% refunded until 31.12.2028 (up to €20,000 invested); thereafter TER of the standard ETFs (not published)Source ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Account or contract fee: €0Source ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Refund of fund costs: 100% TER refund until 31.12.2028, quarterly to the settlement account; landing page: up to €20,000 investedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Savings plan fee: €0Source ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Fee for purchases and sales: €0Source ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Depends on pricing plan: NoSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Fund costs (TER)Front-end loadCost of switching providerCosts in the payout phase

Investment

Who decides on the investment: managed (preselected/preconfigured solutions)Source ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Investment choice: preselected solutions (ETFs, selection not published)Source ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirementContribution guarantee

Contributions and switching

Riester transfer: transfer of Riester savings is intended to be possible (general reference to the draft law; no dedicated switching service described)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application

Payout

Withdrawal for owner-occupied property: planned: withdrawal for owner-occupied property without losing the subsidyannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Drawdown planLife annuity

Opening an account

Start: January 2027 (planned)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Special features: TER refund until the end of 2028 with no activity requirementSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:How to sign upRequirementsCertification

Allgemeines Altersvorsorgedepot (in the terms and conditions: flexibles Altersvorsorgedepot)

Self-directed accountSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Costs

Total cost p.a.: only fund and order fees (€0 account/savings plan; orders under €500 €0.95)Source ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Account or contract fee: €0Source ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Refund of fund costs: NoneSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Savings plan fee: €0Source ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Fee for purchases and sales: €0 from €500 via gettex, €0.95 per trade below thatSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Depends on pricing plan: NoSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Fund costs (TER)Front-end loadCost of switching providerCosts in the payout phase

Investment

Who decides on the investment: self-directed (general/flexible Altersvorsorgedepot)Source ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Investment choice: large choice of ETFs and fundsSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirementContribution guarantee

Contributions and switching

Riester transfer: transfer of Riester savings is intended to be possible (general reference to the draft law; no dedicated switching service described)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application

Payout

Withdrawal for owner-occupied property: planned: withdrawal for owner-occupied property without losing the subsidyannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Drawdown planLife annuity

Opening an account

Start: January 2027 (planned)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:How to sign upRequirementsCertificationSpecial features

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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.