Who is behind AVD Anbieter Vergleich, what qualifications lie behind it and the criteria we use to assess providers.
AVD Anbieter Vergleich is an independent information and comparison site on the Altersvorsorgedepot (Germany’s state-subsidized retirement investment account), the subsidized successor to the Riester pension. We are not a product provider, not a bank, not an insurer. We do not sell contracts, we do not provide investment advice and we do not broker financial products.
Our sole task is to explain the new Altersvorsorgedepot in an understandable way and to compare the providers against transparent criteria as soon as real products come to market from 1 January 2027. So that you can make an informed decision at launch, without having to fight your way through advertising promises and the small print.
The Altersvorsorgedepot affects around 44 million people eligible for the subsidy and is at the same time a complex product: different types of provider, various product variants, a new subsidy and tax mechanism, and a decumulation phase with several options. At the same time, almost every provider has a commercial interest in putting its own product front and center.
We close this gap with neutral analysis: we explain the rules understandably for investors with no prior knowledge and assess all products by the same standards, regardless of which provider is behind them.
Lawyer & financial markets expert · AVD Anbieter Vergleich · responsible for the contents
Rolf Henning Hackel holds a law degree (Diplom-Jurist) and has worked for over two decades at the intersection of sales, financial technology and law. As a serial founder, board member and managing director in the FinTech and WealthTech sector, he has helped build investment advisory and wealth management platforms in the heavily regulated German market. He knows the providers, their products with their strengths and weaknesses, and the industry’s rules of the game at first hand.
His career
- Law studies at the University of Passau (Diplom-Jurist)
- Board member of fundsaccess AG (investment advice and fund platform)
- Co-founder and board member of Finconomy AG (company builder FinTech / SaaS)
- Managing Director Wealth Management Germany at a European top 3 software provider to the wealth management industry (WealthTech)
- Today: founder & managing director of FPV Finanzproduktvergleich GmbH (AVD Anbieter Vergleich)
Here a state-subsidized product meets millions of people, high complexity and a great deal of provider marketing. Rolf Henning brings the financial industry’s inside view and deliberately uses it for the other side: to explain the Altersvorsorgedepot to savers in an understandable, critical and independent way.
AVD Anbieter Vergleich grew out of a simple observation: when the reform of private retirement provision was adopted in 2026, it quickly became clear that it affects millions of people, leaves many questions open, and that the first information came above all from providers with an interest in their own product. We wanted to set an independent, understandable source against that.
For a fair comparison, the same standards apply to all providers. Total costs count most, followed by ETF selection and flexibility. Each criterion feeds into an overall score with a point value, based on official product information and the statutory requirements. We update the assessment as soon as terms change.
We maintain the full list of all assessment criteria with explanations in a single place: on our providers page. That way it always stays current and free of contradictions.
A note on timing: No Altersvorsorgedepot can be taken out before 1 January 2027. As long as no final terms are available, we publish the criteria but not yet a final assessment.
Independence is the foundation of this site. No provider can buy a better placement, a better rating or preferential presentation from us. Our ranking is based solely on the criteria named.
So that you know where you stand: AVD Anbieter Vergleich is partly funded through affiliate links (referral links). If you open a securities account through such a link, we may receive a payment from the provider; this creates no additional cost for you. This payment has no influence on our assessment: we also include providers without an affiliate program in the comparison, and placement is based exclusively on our criteria. We label affiliate links as such.