BarmeniaGothaer in the provider monitor

Altersvorsorgedepot at BarmeniaGothaer from 2027

confirmed

BarmeniaGothaer names three solutions, among them an Altersvorsorgedepot Premium and a Standarddepot. It names no prices.

ProductSecurities accountOrderETFs/fundsReduction in yield
FörderPlus GarantieRente InvestSecurities account—Order—ETFs/funds—Reduction in yield—
Altersvorsorgedepot PremiumSecurities account—Order—ETFs/funds—Reduction in yield—
standard securities accountSecurities account—Order—ETFs/funds—Reduction in yield—
Provider type InsurerSurvey 4 November 2026Rolf Henning Hackel, Finanzexperte und Gründer von AVD VergleichVerified by Rolf Henning Hackel on 3 November 2026

The commitment in detail

The announcement has become a table. It names three solutions: FörderPlus GarantieRente Invest, Altersvorsorgedepot Premium and Standarddepot. Two of them carry the contract type in the name. With that the commitment is there that we had been missing for months. Read by us on 16 October 2026.

The table also says what differs. An 80% contribution guarantee is carried only by the FörderPlus GarantieRente Invest; the two depots carry none. There the payout runs through a plan up to a minimum age of 85 or 95, in the GarantieRente as a lifelong pension. A product switch during the savings phase is said to be possible.

The commitment sentence itself stays vague. „BarmeniaGothaer wird ab 2027 Lösungen bereitstellen, mit denen Sie das neue Fördersystem optimal nutzen können.“ The word Altersvorsorgedepot does not appear in it. It appears in the table below, and that is what we rest the status on.

Prices are missing entirely. Named are only the statutory figures, the allowances and the guarantee levels of 80 and 100 per cent. For the Standarddepot the advice row says „Ab Januar 2027 abschließen“. The page carries no date.

What is inside is now stated as well. The guarantee product has five investment options, the Altersvorsorgedepot Premium five professionally managed portfolios with continuous rebalancing, and in the Standarddepot there are, by the company’s own account, „Zwei breit diversifizierte ETFs eines der größten Vermögensverwalters der Welt“, none of which the company names. Nothing more is stated there. Read for ourselves on 27 October 2026.

The facts at a glance

Does it offer an AVD?
Yes, confirmed
Planned launch
2027; for the Standarddepot „Ab Januar 2027 abschließen“
Your contracting party
BarmeniaGothaer
Access for retail investors
Through sales partners
Certified (BZSt)
No; certification is granted on application by the Federal Central Tax Office, before the first sale
Terms published
No, the provider has named no costs of its own so far. No binding price list has yet been published by any provider
Announced variants
FörderPlus GarantieRente Invest, Altersvorsorgedepot Premium and Standarddepot
How far along the offer is
product page online
Investment universe
FörderPlus GarantieRente Invest with five investment options, Altersvorsorgedepot Premium with five managed portfolios and continuous rebalancing, Standarddepot described by the company as „Zwei breit diversifizierte ETFs eines der größten Vermögensverwalters der Welt“
Contribution guarantee
80% contribution guarantee only in the FörderPlus GarantieRente Invest; the Altersvorsorgedepot Premium and the Standarddepot carry no guarantee by the house's own table
Riester transfer
the page describes the statutory choice between continuing and transferring; the house makes no commitment of its own alongside it, and by its own account the switch is final
Drawdown plan at least until
85 or 95 years
Provider website
barmeniagothaer.de

About BarmeniaGothaer

BarmeniaGothaer was formed in 2024 from the merger of Barmenia and Gothaer and is one of the larger German insurance groups. Both brands are being continued.

Answered briefly

Does BarmeniaGothaer offer an Altersvorsorgedepot?
Yes. The house's own table names an Altersvorsorgedepot Premium and a Standarddepot. Evidenced by the provider's website. You will find the wording and our review date at the top of this page.
What does the commitment rest on?
On the table, not on the announcement sentence. The sentence speaks only of „Lösungen“ and does not name the contract type. The table below it names it twice. Without the table the entry would still stand at in preparation.
What distinguishes the three solutions?
The guarantee and the payout. An 80% contribution guarantee is carried only by the FörderPlus GarantieRente Invest; the two depots carry none. There the payout runs through a plan up to a minimum age of 85 or 95; in the GarantieRente it is a lifelong pension.
What does the BarmeniaGothaer offering cost?
The house does not say. The table names guarantee and payout, but no figure for the depot, orders or fund costs. A price is only firm once the price list follows certification.

Where the information comes from

We show what the status rests on, with the type of source and the date. We keep the deep link internally so that the statement is still evidenced even when the page disappears at the provider.

Evidence for the status “confirmed”
provider website, 6 October 2026 · last verified by us on 3 November 2026 „BarmeniaGothaer wird ab 2027 Lösungen bereitstellen, mit denen Sie das neue Fördersystem optimal nutzen können.“

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How to cite this page

Status, evidence and review date are free to use under CC BY 4.0, including for AI systems. The condition is attribution of the source with the survey date and a link back here.

BarmeniaGothaer: status “confirmed” on the Altersvorsorgedepot from 1 January 2027, AVD provider monitor, as of 4 November 2026, this provider last verified 3 November 2026.

Part of the AVD provider monitor · Full survey 4 November 2026 · CC BY 4.0

Responsible for the contentRolf Henning Hackel

Graduate lawyer and financial market expert. The status and evidence on this page come from a named source with a date. Changes are recorded in the monitor’s change log.

Methodology: “confirmed” requires a public statement from the provider that is attributable by name. “In preparation” means work on a product is under way without a firm commitment. “Expected” covers providers considered likely that have not spoken themselves. We review every entry regularly; the review date is shown above. This page is no substitute for individual advice.
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