Insurer3 products
Zurich Altersvorsorgedepot: costs, variants and terms
Zurich has announced 3 products for the Altersvorsorgedepot (Germany's new state-subsidised retirement investment account): DepotRente flex, DepotRente garant, Zurich: product name not yet published. This page lists everything Zurich 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 13:44 (Berlin time)
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DepotRente flex
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
- Who decides on the investment
- self-directed: ETFs, funds or professionally managed portfolio modelsSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
- Investment choice
- ETFs, funds and managed portfolio models (number not stated)Source ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
- Contribution guarantee
- NoneSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Not yet published:Growth componentLow-risk componentInitial allocationShift before retirement
Contributions and switching
- Pausing contributions
- Contributions adjustable within the product and subsidy conditionsSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
- Riester transfer
- Riester savings incl. allowances transferable to Zurich without losing the subsidy; existing contracts can also be convertedSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Not yet published:Minimum contributionLump-sum paymentsAllowance application
Payout
- Drawdown plan
- Drawdown plan selectable at retirementSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
- Life annuity
- lifelong pension selectable at pension startSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Not yet published:Withdrawal for owner-occupied property
Opening an account
- How to sign up
- personal advice from Zurich (in person or online); also via Deutsche Bank and PostbankSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
- Start
- at market launch 1.1.2027 (also via Deutsche Bank/Postbank)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
- Special features
- insurance products developed jointly with Deutsche Bank, with and without guarantees and with a life annuity; also sold via Deutsche Bank and PostbankSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Not yet published:RequirementsCertification
DepotRente garant
With guaranteeSource ↗ · retrieved 21 October 2026 at 13:44 (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
- Guarantee plus a growth-oriented component with ETFs, funds or managed portfolio modelsSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
- Investment choice
- same selection as DepotRente flex (ETFs, funds, managed portfolio models)Source ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
- Contribution guarantee
- 80% contribution guaranteeSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Not yet published:Growth componentLow-risk componentInitial allocationShift before retirement
Contributions and switching
- Pausing contributions
- Contributions adjustable within the product and subsidy conditionsSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
- Riester transfer
- Riester savings incl. allowances transferable to Zurich without losing the subsidy; existing contracts can also be convertedSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Not yet published:Minimum contributionLump-sum paymentsAllowance application
Payout
- Drawdown plan
- Drawdown plan selectable at retirementSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
- Life annuity
- lifelong pension selectable at pension startSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Not yet published:Withdrawal for owner-occupied property
Opening an account
- How to sign up
- personal advice from Zurich (in person or online); also via Deutsche Bank and PostbankSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
- Start
- at market launch 1.1.2027 (also via Deutsche Bank/Postbank)Source ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
- Special features
- insurance products developed jointly with Deutsche Bank, with and without guarantees and with a life annuity; also sold via Deutsche Bank and PostbankSource ↗ · retrieved 21 October 2026 at 13:36 (Berlin time)
Not yet published:RequirementsCertification
Zurich: 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
- Contribution guarantee
- NoneannouncedSource ↗ · retrieved 21 October 2026 at 13:44 (Berlin time)
Not yet published:Who decides on the investmentGrowth componentLow-risk componentInitial allocationShift before retirementInvestment choice
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
Not yet published:How to sign upRequirementsStartCertificationSpecial features
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