Retirement knowledge
Every article on Germany's new Altersvorsorgedepot, arriving in 2027 — neutral, source-backed and written under named bylines. Filter by topic or search the collection by keyword.
174 articles
With 100 euros, what matters is which income the money comes from. We compare salary conversion through an occupational pension with the Altersvorsorgedepot planned for 2027 and show which factors influence the decision.
How married couples can maximize Altersvorsorgedepot 2027 allowances, whether two contracts make sense, and the best order for investing.
Can your employer pay into your retirement investment account? Key facts on company pensions, net contributions, and capital-forming benefits.
Will the new pension investment account affect Grundsicherung? Learn all about protected assets, allowances, and the payout phase starting in 2027.
Secure subsidies for the pension investment account even without an income. How to receive full state funding during parental leave from 2027.
Find out if your minijob qualifies for the 2027 pension investment depot. Everything on pension insurance obligations, opt-outs, and new allowances.
Moving abroad? Find out what happens to your pension investment depot, whether you keep state subsidies, and which rules apply from 2027.
From 2027, the self-employed will be eligible for the Altersvorsorgedepot. Compare AVD, Rürup, and voluntary GRV for your optimal retirement provision.
Learn how to withdraw funds from your pension investment account for property purchases starting in 2027, along with the applicable tax rules.
Life annuity or withdrawal plan to age 85 for your pension depot? Compare flexibility, taxes, and inheritance to find your optimal payout model.
All the allowances and the maximum contribution for the Altersvorsorgedepot in 2027. Work out how to secure the full state subsidy.
From 2027, the Altersvorsorgedepot expands subsidised retirement provision. What studies, the broker market and BaFin show about costs, guarantees and existing Riester-Rente contracts.
Transferring Riester into the Altersvorsorgedepot from 2027: find out everything about the transfer value, the process, deadlines, and the statutory 150-euro cost cap.
Cancelling your Riester-Rente: how much do you lose? Calculate the deductions for early cancellation and compare alternatives such as transferring your account.
Suspend your Riester-Rente or keep paying? Find out the cost of suspending contributions and how to secure your allowances for the Altersvorsorgedepot.
How do the Altersvorsorgedepot and the statutory pension fit together? Find out how the 3rd pillar optimally supplements your pension from 2027, with no offsetting.
Can the state scrap the AVD subsidy again? Find out everything about constitutional protection for existing entitlements and the principle of legitimate expectations.
Does the Altersvorsorgedepot cover the pension gap? Find out from worked examples how much retirement provision the account really delivers, depending on the term.
What are the disadvantages of the Altersvorsorgedepot? All the facts on capital lock-in, market risk, deferred taxation and costs in a transparent overview.
What state subsidy does the Altersvorsorgedepot offer from 2027? Basic allowance, child allowance, starter bonus and the planned Frühstart-Rente.
How much do you need to pay into the Altersvorsorgedepot? Work out your monthly contribution backwards from your target pension, including state support.
What's the difference between Aktienrente and Altersvorsorgedepot? Find out the differences between Generationenkapital and a private account.
Is the Altersvorsorgedepot worse than Riester for low earners? We compare allowances, minimum own contributions and return potential in detail.
The Altersvorsorgedepot under fire: consumer advocates demand lower fees, insurers warn of risks. All the positions at a glance.
A stock market crash shortly before retirement doesn't necessarily wipe out your Altersvorsorgedepot. Find out how reallocation and drawdown plans protect your capital.
What is the state-run Standarddepot? Find out about the legal basis, the implementing regulation, and where things currently stand.
Find out whether children living abroad qualify for the Frühstart-Rente, and what rules apply to school attendance, returning to Germany, or junior investment accounts.
Does the cost cap apply to every Altersvorsorgedepot? Find out why the 1.0 percent limit only applies to the Standarddepot, and what to look out for.
Is the Frühstart-Rente enough as retirement provision? We calculate the returns on 1,440 euros of state money and show how parents can best close the gap.
What is the Standarddepot within the Altersvorsorgedepot from 2027? Learn everything about the cost cap, the investment concept and the differences from free fund selection.
How is the Frühstart-Rente taxed? Learn about tax-free returns during the contribution phase and deferred taxation in retirement.
Which contribution guarantee for the Altersvorsorgedepot is right for you? Compare 0%, 80% and 100% guarantee levels on return potential and security.
Which product variants does the new subsidy system offer from 2027? Compare the Altersvorsorgedepot, the guarantee product and the Standarddepot on cost and return.
Are family carers eligible for the Altersvorsorgedepot from 2027? Learn about mandatory Pflegekasse contributions, state allowances and the minimum own contribution.
Are you eligible for the Altersvorsorgedepot subsidy while working a Minijob? Learn how pension-insurance liability, the minimum own contribution and allowances fit together.
Frühstart-Rente or Altersvorsorgedepot: find out all the differences in target group, state subsidies, and the transition from age 18.
Can the Frühstart-Rente be topped up with personal contributions? Find out all the rules for top-ups by parents and the planned maximum limits.
Do I need to open an account for the Frühstart-Rente? Find out how parents manage the account and how the state fallback solution works.
What is the Frühstart-Rente? The facts on the 10 euros a month from the state, who qualifies, and the transition into the Altersvorsorgedepot.
Learn how the Altersvorsorgedepot is divided under pension equalisation in a divorce, and what applies to allowances and taxes.
What happens to the Frühstart-Rente from age 18? Find out how the account transfers into the Altersvorsorgedepot, which rights change hands, and how saving continues.
Will your Riester-Rente contract be converted automatically in 2027? No, Bestandsschutz (grandfathering protection) applies. Find out about your options and switching.
Is the Altersvorsorgedepot worth it if you work part time? Find out how contributions from just 10 euros a month secure the full state subsidy.
Life annuity or drawdown plan for the Altersvorsorgedepot? Compare longevity protection, inheritability and tax treatment for your optimal retirement planning.
Can you have 30 percent of your Altersvorsorgedepot paid out? Everything on the requirements, tax and drawdown plan from the start of retirement.
Does the Altersvorsorgedepot pay off for students? Make use of 50 cents in state allowance per euro saved and the 200-euro career-starter bonus.
Can I keep paying into Riester after 2027? Find out about grandfathering, allowances and your options for your Riester-Rente after the reform.
Find out whether the new subsidy system will apply to your old Riester contract from 2027, and how to combine an existing contract with an Altersvorsorgedepot for the best result.
Find out why a direct ETF transfer into an Altersvorsorgedepot isn't legally possible, and how to reallocate existing holdings tax-efficiently.
Does the advance lump-sum tax apply to the Altersvorsorgedepot? Read how returns stay tax-free during the accumulation phase and you benefit from compound interest.
What happens to your Altersvorsorgedepot after age 85? Find out everything about the drawdown plan, annuitisation and safeguarding against longevity risk.
Can an Altersvorsorgedepot be held as a joint account? Learn why spouses need individual accounts and how to maximise your allowances.
Where do you enter the Altersvorsorgedepot on your tax return? Find out how to fill in Anlage AV correctly and maximise your tax benefits.
Find out why an in-kind transfer of ETFs into the Altersvorsorgedepot isn't possible, and how to restructure private holdings tax-efficiently.
Altersvorsorgedepot law vs draft bill: 50-cent basic allowance, 1.0 percent cost cap, and new child allowances compared against the final rules.
The Altersvorsorgedepot launches in 2027. Find out which rules of the reform law only take effect in 2028, and what that means for you.
Until when can I still take out Riester? Find out all the deadlines up to 31.12.2026, the grandfathering rules and your options from 2027.
There is no 175-euro low-earner bonus in the enacted Altersvorsorgedepot. How the law actually supports small incomes from 2027.
Is the Riester-Rente being abolished? All the facts on protection for existing contracts from 2027, the stop on new contracts, and the options for existing savers.
Which parent gets the Kinderzulage in the Altersvorsorgedepot? All the rules on Kindergeld assignment, transfer by application and splitting between children.
Is a Riester contract still worth taking out in 2026, or is the Altersvorsorgedepot the better choice? Criteria, exceptions and recommendations in a clear comparison.
Is a Riester payment in 2026 still worth it? Learn how to secure allowances, save tax and stay flexible for the Altersvorsorgedepot in 2027.
The Altersvorsorgereformgesetz explained in plain terms: learn about the BGBl citation, the article structure, and the sections in the EStG and AltZertG.
How much can you pay into the Altersvorsorgedepot at most? Everything on the maximum amount, the 1,800 euro subsidy limit and unsubsidised contributions.
Is the Altersvorsorgedepot worth it from age 55? Find out how tax benefits and ETFs can help you optimise your capital before retirement.
Find out how to make the most of starting the Altersvorsorgedepot at 25 and, with the help of the state subsidy, build up more than 411,000 euros by retirement.
Calculate the benefits of a €300 monthly contribution to the new Altersvorsorgedepot and find out how to get the most from the tax breaks and allowances.
Altersvorsorgedepot at 35: a sample calculation. Find out how much wealth you can build with state support and a 32-year term.
Starting the Altersvorsorgedepot at 45: our worked example shows how state support and tax benefits can optimise your pension.
Find out how paying 50 euros a month into the Altersvorsorgedepot, combined with a 40 percent state subsidy, builds substantial final capital. Calculate it here.
Altersvorsorgedepot for dual earners: see in our worked example with two accounts how you can maximise your tax saving.
Example calculation for the Altersvorsorgedepot for a family with 2 children: how to optimise the Grundzulage and Kinderzulage from 2027 for maximum final capital.
How does the Altersvorsorgedepot work for single parents? Our example calculation shows how to secure the maximum subsidy with the Kinderzulage.
How much does the Altersvorsorgedepot deliver on a €40,000 gross salary as a single person? Find out about allowances, tax savings and worked examples.
Altersvorsorgedepot 100 euros a month example: find out how a 1,200 euro own contribution a year grows to around 125,700 euros thanks to a 390 euro allowance.
Deducting the Altersvorsorgedepot from tax as a self-employed person: find out how to claim Sonderausgaben and make the Günstigerprüfung work for you.
Should you open your Altersvorsorgedepot at a branch bank or online? Our neutral comparison covers costs, process and security.
The new Altersvorsorgedepot launches in 2027. Here you'll find all the key facts on allowances, maximum contributions and tax benefits at a glance.
The new Altersvorsorgedepot explained simply: find out how, from 2027, you can benefit from state allowances and ETFs for your private pension.
Learn how to set up your Altersvorsorgedepot in three simple steps after opening it, and secure the maximum state subsidy.
See in a concrete worked example how a family with 2 children can receive a high state subsidy through the new Altersvorsorgedepot from 2027.
Is the Altersvorsorgedepot worth it for the self-employed? Learn how you can benefit from allowances, high flexibility and tax advantages from 2027.
Is the Altersvorsorgedepot worth it during parental leave? Learn everything about allowances, eligibility, and how to maximise your subsidy from 2027.
Altersvorsorgedepot or company pension scheme? Find out when the employer contribution wins and when the account is the better choice from 2027.
Altersvorsorgedepot or ETF savings plan after tax? Find out in the honest comparison who ends up ahead net.
Altersvorsorgedepot or ETF savings plan? Our neutral return and tax comparison shows which savings route gives you more final capital for retirement.
Altersvorsorgedepot or property? Our neutral comparison shows which route offers you the better return and security from 2027.
Altersvorsorgedepot or private pension insurance? Our neutral comparison examines costs, return potential, state subsidy and guarantees.
Altersvorsorgedepot or Rürup for the self-employed? Find out which model wins for you from 2027 on tax, flexibility and protection against creditor seizure.
Altersvorsorgedepot or Rürup-Rente? Our neutral comparison shows when the new account benefits you from 2027, and when Rürup pays off on tax.
Learn how the Altersvorsorgedepot beats inflation through high-return ETFs, and how much purchasing power actually remains from your pension in real terms.
Cancelling your Altersvorsorgedepot early: learn what it costs you as a subsidy-forfeiting withdrawal, and what better alternatives you have.
Altersvorsorgedepot vs. Riester comparison: learn the differences in costs, subsidies and returns before the new Depot launches in 2027.
One ETF or several in the Altersvorsorgedepot? Find out here why a single world ETF is usually enough, and when multiple holdings make sense.
Should you pay off debt first or pay into the Altersvorsorgedepot? Find out which financial order is mathematically optimal for you.
The new Altersvorsorgedepot from 2027, put to the test: find out which types of saver benefit most from the state-subsidised ETF provision.
Avoid costly mistakes with the new Altersvorsorgedepot from 2027: our guide shows you how to secure your allowances and keep fees low.
Is the Altersvorsorgedepot safe? Find out how special-assets protection guards against insolvency and how market risk plays out with ETFs over the long term.
Find out how to flexibly adjust, pause or top up your contribution to the Altersvorsorgedepot without losing the state allowances.
Can I have several Altersvorsorgedepots at the same time? Find out how the state subsidy is split, and why two accounts are rarely worth it.
Does the new Altersvorsorgedepot pay off from age 50? Find out how late starters can make the most of state subsidies and tax advantages.
Does the Altersvorsorgedepot pay off for civil servants? Find out about allowances, tax benefits, and the crucial consent to the data transfer.
Does the Altersvorsorgedepot pay off for families? Find out how to maximise your subsidy rate through Grundzulagen and Kinderzulagen from 2027.
Does the Altersvorsorgedepot pay off for low earners? Find out how just 120 euros in minimum contributions activates the full state subsidy.
Does the Altersvorsorgedepot pay off for high earners? Find out how the Sonderausgabenabzug and top tax rate can secure you the maximum tax advantage.
Is the Altersvorsorgedepot worth it for young people? Find out how new professionals benefit from allowances and the compound-interest lever from 2027.
Does the new Altersvorsorgedepot pay off for you from 2027? Our neutral guide breaks down the subsidy, tax effects and costs of Riester's successor.
Is an Altersvorsorgedepot worth it with a small contribution? Yes — with just 120 euros a year you secure a 50 percent state subsidy for your retirement.
Do you have to apply for the Altersvorsorgedepot allowance yourself? Find out how the standing allowance application takes the annual paperwork off your hands.
Find out how to make the best use of sustainable ETFs in the Altersvorsorgedepot from 2027, and compare costs and diversification using clear criteria.
Neobroker or bank for your Altersvorsorgedepot? Our neutral comparison of costs and service shows you the best route for your subsidised retirement provision.
Keep or switch Riester: use our neutral profile matrix to make the best decision for your state-subsidised retirement provision.
Should you give up your Riester guarantee? Find out how switching to the new Altersvorsorgedepot affects your return and risk over the long term.
Suspend your Riester contract or switch to the Altersvorsorgedepot? Find out when suspending contributions on your legacy contract is the best strategy.
Find out how to spot and avoid hidden costs in the Altersvorsorgedepot, to protect the state subsidy and your return from 2027.
Find out when an unsubsidised ETF savings plan delivers more return and flexibility than the new Altersvorsorgedepot starting in 2027.
What does deferred taxation mean for the AVD? Find a clear explanation here of why it saves you tax rather than costing you money.
What is the Einstiegsbonus in the Altersvorsorgedepot? Learn everything about the one-off subsidy of 200 euros, the age limit and the requirements.
Riester or Altersvorsorgedepot: learn the key differences in costs, subsidy and returns for your retirement provision from 2027.
What does switching from Riester to the Altersvorsorgedepot cost? Learn about the statutory fee cap, transfer costs and hidden deductions.
What happens to your Altersvorsorgedepot if your provider becomes insolvent? Learn why your ring-fenced assets are protected and how the rules work.
What account fees apply to the Altersvorsorgedepot? Find out everything about order costs, savings-plan fees and the statutory cost cap of 1.0 percent.
Use our independent decision tree to find out which state-subsidised retirement plan best fits your life situation.
What costs come with the Altersvorsorgedepot? Find out everything about account fees, product costs (TER) and the statutory cost cap of 1.0 percent.
What return does the Altersvorsorgedepot generate? Find out how market returns and state subsidies maximise your private pension from 2027.
What documents do I need to open an Altersvorsorgedepot? Find out which documents and numbers you'll need to have ready.
Which provider is best for your Altersvorsorgedepot? Our neutral guide shows the key criteria for self-directed investors.
Which world ETF fits your Altersvorsorgedepot? MSCI World, ACWI and FTSE All-World compared for your state-subsidised retirement provision from 2027.
Who is eligible for the Altersvorsorgedepot subsidy? Find out why, from 2027, self-employed people will for the first time receive allowances alongside employees and civil servants.
How does the Altersvorsorgedepot work from 2027? Learn about all 4 phases, from contributions through ETF investment to payout.
Find out how much the minimum contribution for the Altersvorsorgedepot is from 2027, and how from just 120 euros a year you secure the state subsidy.
How much is the AVD subsidy from 2027? Learn all about the Grundzulage (up to 540 €), the Kinderzulage and the tax advantage of the Altersvorsorgedepot.
How high is the Grundzulage for the Altersvorsorgedepot? Learn about the maximum subsidy of 540 euros, the requirements and how it is calculated.
How safe is the Altersvorsorgedepot? Learn everything about Sondervermögen, deposit protection and the key criteria when comparing providers.
How much do fees reduce returns in the Altersvorsorgedepot? Our worked example shows how much one percentage point of fees can cost you in retirement.
How much do costs reduce your state Altersvorsorgedepot subsidy? Calculate how fees eat into allowances - and how to stop it.
Find out how to determine the optimal equity allocation for your new Altersvorsorgedepot and gradually reduce risk before retirement.
How much subsidy are you giving up without an Altersvorsorgedepot? Here's how allowances and tax advantages add up to a five-figure sum by 2027.
Find out how much you need to pay into the new Altersvorsorgedepot to get the maximum state subsidy with a 1,800 euro own contribution.
How much Kinderzulage is there for the Altersvorsorgedepot? Find out everything about the 300 euro support per child, durations and allocation for families.
How much return does AVD support bring? Calculate your personal subsidy return in the Altersvorsorgedepot 2027, including the tax and allowance benefit.
Learn step by step how, from 2027, you can transfer your Riester contract into the new Altersvorsorgedepot without losing your subsidy.
How is the Altersvorsorgedepot taxed? Learn all about the three-phase tax model, the Sonderausgabenabzug and deferred taxation.
How is the Altersvorsorgedepot subsidised through the tax system? Learn about the Sonderausgabenabzug, the Günstigerprüfung and tax benefits from 2027.
Is the Altersvorsorgedepot protected during unemployment? Learn why the AVD counts as Schonvermögen (exempt assets) under Bürgergeld and stays exempt from means-testing.
Find out how to identify a good-value Altersvorsorgedepot by its effective costs, and how to reliably avoid hidden fees.
Find out from what minimum age you can have the Altersvorsorgedepot paid out, and what financial drawbacks threaten with an early withdrawal.
Find out at what age and remaining term switching from the Riester-Rente to the new Altersvorsorgedepot pays off financially for you.
The Altersvorsorgedepot when moving abroad: how your subsidy stays intact within the EU, and how to avoid repayments when moving to a non-EU country.
Learn how to protect your Altersvorsorgedepot before retirement through tax-free rebalancing and minimise sequence-of-returns risk.
Take out an Altersvorsorgedepot via app or with advice? Find out which route is best suited to your retirement provision from 2027.
Altersvorsorgedepot for the self-employed with fluctuating income: how to adjust your contributions flexibly and secure up to 540 euros in allowances a year.
Does the Altersvorsorgedepot pay off alongside a company pension scheme? Find out how to combine state allowances and employer contributions optimally.
Find out how your Riester allowances stay fully intact when you switch to the new Altersvorsorgedepot, and how to avoid costly mistakes.
Is the Altersvorsorgedepot protected from seizure? Learn how the state-subsidised protection from creditors works for the self-employed from 2027, and where its limits lie.
Wondering whether you can change your Altersvorsorgedepot provider? Find out here how the subsidy-neutral account transfer works.
Do you have to pay tax on gains in the Altersvorsorgedepot? No, your capital stays tax-free during the accumulation phase. Find out everything about tax deferral.
Are self-employed people eligible for Altersvorsorgedepot subsidies? Find out how freelancers benefit from allowances and tax savings from 2027.
Should you switch from Riester to the Altersvorsorgedepot? Find out, neutrally and backed by BMF sources, whether switching from 2027 is worthwhile for your retirement provision.
Accumulating or distributing in the Altersvorsorgedepot? Find out why the tax question needs a whole new answer in the subsidised account from 2027.
When does the Altersvorsorgedepot start? Find out everything about the official start date of 1 January 2027 and the current legislative status.
What happens to the Altersvorsorgedepot when the saver dies? Learn all about the spousal privilege, allowance clawbacks and inheritance tax allowances.
What happens to your Riester-Vertrag under the Altersvorsorgedepot? Learn about grandfathering, transfers, contribution breaks and cancellation from 2027.
What payout options does the Altersvorsorgedepot offer? Compare the Leibrente (life annuity), drawdown plan and taxes to make a smart retirement decision.
Which ETFs are right for the Altersvorsorgedepot? Find out which 5 criteria — including costs (TER), diversification and fund size — you should watch closely.
Which Altersvorsorgedepot suits fluctuating income? Find out how self-employed people can flexibly adjust contributions and still secure the state allowances.
Find out step by step in this guide how to easily open your Altersvorsorgedepot online and secure the state subsidy.
Find the best Altersvorsorgedepot for your needs: our neutral guide walks you step by step to the right provider from 2027.
How quickly can you open an Altersvorsorgedepot? Everything on applying, VideoIdent and the deadlines for a Riester switch, at a glance.
How important is the ETF range for the Altersvorsorgedepot? Find out when a large fund selection matters, and why a single world ETF is often enough.
What happens to Wohn-Riester from 2027? Find out everything about the new allowances, the reform of the Wohnförderkonto, and the switch to the Altersvorsorgedepot.
Find out what to watch for with AVD savings plans: everything on the minimum savings rate, interval, execution costs and automatic increases for the Altersvorsorgedepot.
Use our checklist to find the best Altersvorsorgedepot provider based on cost, product range and security for your long-term wealth building.
What is the Altersvorsorgedepot? Definition, subsidy and launch from 2027 explained in detail. Get neutral information now and plan the right provision.