Insurer4 products
Württembergische Altersvorsorgedepot: costs, variants and terms
Württembergische (W&W) has announced 4 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): Württembergische: product name not yet published, Württembergische: product name not yet published, Württembergische: product name not yet published, Württembergische: product name not yet published. This page lists everything Württembergische has published about it so far, with the source and the time we retrieved it.
Before launch
Early registration: NoneSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Promotion: €15 shopping voucher after product launch and first contribution (new contract or Riester switch, policy start by 01.12.2027; not for a Standarddepot opened online)Source ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
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Württembergische: product name not yet published
Variant not announcedCosts
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
Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocationShift before retirementInvestment choiceContribution guarantee
Contributions and switching
- Riester transfer
- transfer of your own Riester contracts and switching from other providers expected to be possibleannouncedSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application
Payout
Not yet published:Drawdown planLife annuityWithdrawal for owner-occupied property
Opening an account
- How to sign up
- onlineSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
- Start
- when the law takes effect (1.1.2027), subject to certificationannouncedSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
- Certification
- not yet granted (certification pending, as of 19.10.2026)Source ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:RequirementsSpecial features
Württembergische: product name not yet published
Variant not announcedCosts
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
- automatic end-of-term management: gradual shift into safer investments in the final years of the termSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocationInvestment choiceContribution guarantee
Contributions and switching
- Riester transfer
- transfer of your own Riester contracts and switching from other providers expected to be possibleannouncedSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application
Payout
- Life annuity
- lifelong pension (pension option)Source ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Drawdown planWithdrawal for owner-occupied property
Opening an account
- How to sign up
- Advice through Württembergische advisers/local agenciesSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
- Start
- when the law takes effect (1.1.2027), subject to certificationannouncedSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
- Certification
- not yet granted (certification pending, as of 19.10.2026)Source ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
- Special features
- Solution wrapped in a life insurance policy (similar to PrivatRente Genius Vorsorge); invested in WürttLeben's guarantee assetsSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Requirements
Württembergische: product name not yet published
Variant not announcedCosts
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
- automatic end-of-term management: gradual shift into safer investments in the final years of the termSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocationInvestment choiceContribution guarantee
Contributions and switching
- Riester transfer
- transfer of your own Riester contracts and switching from other providers expected to be possibleannouncedSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application
Payout
- Life annuity
- lifelong pension (pension option)Source ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Drawdown planWithdrawal for owner-occupied property
Opening an account
- How to sign up
- Advice through Württembergische advisers/local agenciesSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
- Start
- when the law takes effect (1.1.2027), subject to certificationannouncedSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
- Certification
- not yet granted (certification pending, as of 19.10.2026)Source ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
- Special features
- Solution wrapped in a life insurance policy (similar to PrivatRente Genius Vorsorge); invested in WürttLeben's guarantee assetsSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Requirements
Württembergische: product name not yet published
Variant not announcedCosts
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
- automatic end-of-term management: gradual shift into safer investments in the final years of the termSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocationInvestment choiceContribution guarantee
Contributions and switching
- Riester transfer
- transfer of your own Riester contracts and switching from other providers expected to be possibleannouncedSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Minimum contributionLump-sum paymentsPausing contributionsAllowance application
Payout
- Life annuity
- lifelong pension (pension option)Source ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Drawdown planWithdrawal for owner-occupied property
Opening an account
- How to sign up
- Advice through Württembergische advisers/local agenciesSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
- Start
- when the law takes effect (1.1.2027), subject to certificationannouncedSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
- Certification
- not yet granted (certification pending, as of 19.10.2026)Source ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
- Special features
- Solution wrapped in a life insurance policy (similar to PrivatRente Genius Vorsorge); invested in WürttLeben's guarantee assetsSource ↗ · retrieved 21 October 2026 at 13:26 (Berlin time)
Not yet published:Requirements
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