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Trading 212 Altersvorsorgedepot: costs, variants and terms

Trading 212 has announced 2 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Standard Depot, Flexibles AVD. This page lists everything Trading 212 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 13:25 (Berlin time)

Promotion: Bonus share worth €8–100 for new customers who join the AVD waiting list and open an investment account (min. €1 deposit); promotion period 26.06.–31.12.2026Source ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

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Standard Depot

StandarddepotSource ↗ · retrieved 21 October 2026 at 13:25 (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: managed (Standard Depot with lifecycle autopilot)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Growth component: growth-oriented fund (not named)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Low-risk component: security-oriented fund (not named)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Initial allocation: Customer chooses the allocation; without a choice a default allocation applies (ratio not published)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Shift before retirement: 5 years before payout max. 50% growth assets, final 2 years max. 30%announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Investment choice: two preset funds, no choice of own instrumentsannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Contribution guarantee: no capital guarantee (0%)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Contributions and switching

Minimum contribution: from €10 per monthannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Pausing contributions: Yes, pause or change contributionsannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Riester transfer: Yes, transfer to Trading 212 (cash transfer)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Lump-sum paymentsAllowance application

Payout

Drawdown plan: monthly payout until at least 85; capital stays invested; up to 30% as a lump-sum paymentannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Withdrawal for owner-occupied property: Yes, withdrawal for owner-occupied property (Eigenheimrente)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Life annuity

Opening an account

How to sign up: AppannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Requirements: min. age 18, fully taxable in DE (or EU/EEA with a German pension link), eligible for the subsidy; AVD separate from the investment accountannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Start: January 2027announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Certification: BZSt certification announcedannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Special features: optional pension guarantee period of 10 or 20 years in the drawdown planannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Flexibles AVD

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

Costs

Investment

Who decides on the investment: self-directed (Flexibles AVD)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Investment choice: UCITS funds and ETFs, certain AIFs, ELTIFs, EUR government and public-sector bonds; max. risk class 5announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Contribution guarantee: no capital guarantee (0%)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Growth componentLow-risk componentInitial allocationShift before retirement

Contributions and switching

Minimum contribution: from €10 per monthannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Pausing contributions: Yes, pause or change contributionsannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Riester transfer: Yes, transfer to Trading 212 (cash transfer)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Lump-sum paymentsAllowance application

Payout

Drawdown plan: monthly payout until at least 85; capital stays invested; up to 30% as a lump-sum paymentannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Withdrawal for owner-occupied property: Yes, withdrawal for owner-occupied property (Eigenheimrente)announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

Not yet published:Life annuity

Opening an account

How to sign up: AppannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Requirements: min. age 18, fully taxable in DE (or EU/EEA with a German pension link), eligible for the subsidy; AVD separate from the investment accountannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Start: January 2027announcedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Certification: BZSt certification announcedannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)
Special features: optional pension guarantee period of 10 or 20 years in the drawdown planannouncedSource ↗ · retrieved 21 October 2026 at 13:25 (Berlin time)

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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.