In the works
News on the Altersvorsorgedepot
This is where Vorsorgedepot-Lotse's news overview will live: current announcements and stories about the Altersvorsorgedepot, gathered and put in context in one place. Once the first stories are published, you'll find them here in chronological order — each with a date, a source and a short note on what it actually changes for savers.
Until then, all of our editorial knowledge is already available.
What we'll be reporting on here.
The Altersvorsorgedepot launches on 1 January 2027, and a lot can still move before then — in the law as much as in what providers offer. We're tracking these four threads and will report as soon as something verifiable changes.
Legislation & official sources
Changes to the Altersvorsorgedepot law, draft bills, BMF circulars, and the resulting adjustments to subsidy amounts, limits and deadlines.
Subsidies & allowances
If the Grundzulage, Kinderzulage, subsidy rate or the maximum subsidised amounts change, this is where you'll find out what it actually means for your contribution.
Providers & market launch
Which banks, neobrokers and insurers are announcing an Altersvorsorgedepot, on what terms — and from when it can actually be opened.
Riester switching & transitional rules
News on the transition of existing Riester contracts into the Altersvorsorgedepot: deadlines, switching options and open questions.
This content is already available.
Everything that's verifiable about the Altersvorsorgedepot today is already on the portal — updated on an ongoing basis.
Knowledge overview
Explainer articles on subsidies, tax, the payout phase, and how it compares with other routes to retirement provision.
Facts & figures
The sourced key figures for the Altersvorsorgedepot on one page, with citations and a stated date.
AVD products
What's known ahead of the market launch — products, providers and their announced terms.