Insurer3 products

Volkswohl Bund Altersvorsorgedepot: costs, variants and terms

Volkswohl Bund has announced 3 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Volkswohl Bund: product name not yet published, Volkswohl Bund: product name not yet published, Volkswohl Bund: product name not yet published. This page lists everything Volkswohl Bund has published about it so far, with the source and the time we retrieved it.

Volkswohl Bund website ↗Compare all providers

Before launch

Early registration: NoneSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)

Not sure which account fits you?

A free, no-obligation conversation with an independent adviser.

Volkswohl Bund: product name not yet published

Variant not announced

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

Shift before retirement: Shift into the lower-risk fund at the end of the accumulation phase; can be declinedannouncedSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Investment choice: two funds: one security-oriented, one growth-orientedSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Contribution guarantee: NoneSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)

Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocation

Contributions and switching

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsRiester transferAllowance application

Payout

Not yet published:Drawdown planLife annuityWithdrawal for owner-occupied property

Opening an account

How to sign up: digital sign-up possible (also via intermediaries)Source ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Special features: Insurance solution based on the FONDS PUR tariff; cost cap max. 1% effective costs (statutory)Source ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)

Not yet published:RequirementsStartCertification

Volkswohl Bund: product name not yet published

Variant not announced

Costs

Investment

Investment choice: Funds and low-cost ETFs, a much wider choice than in the Standarddepot; fund switches possibleSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Contribution guarantee: None (insurance solution without guarantee)Source ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)

Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocationShift before retirement

Contributions and switching

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsRiester transferAllowance application

Payout

Life annuity: lifelong pension with guaranteed annuity factorsSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)

Not yet published:Drawdown planWithdrawal for owner-occupied property

Opening an account

How to sign up: via intermediaries/brokers with adviceSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Special features: unit-linked insurance solution based on FONDS PUR; flexibility e.g. through fund switchesSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)

Not yet published:RequirementsStartCertification

Volkswohl Bund: product name not yet published

Variant not announced

Costs

Investment

Investment choice: Contract balance participates in capital market performance (fund selection not published)Source ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Contribution guarantee: 80% of contributions and allowances paid inSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)

Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocationShift before retirement

Contributions and switching

Not yet published:Minimum contributionLump-sum paymentsPausing contributionsRiester transferAllowance application

Payout

Life annuity: lifelong pension with guaranteed annuity factorsSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)

Not yet published:Drawdown planWithdrawal for owner-occupied property

Opening an account

How to sign up: via intermediaries/brokers with adviceSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Special features: Guarantee product based on the FONDS MODERN tariffSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)

Not yet published:RequirementsStartCertification

More providers: Insurer

Not sure which account fits you?

Get free, independent advice. We'll help you find the right account and the right path into the Altersvorsorgedepot from 2027.

Free and without obligation.

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.