DEVK in the provider monitor

Altersvorsorgedepot at DEVK from 2027

confirmed

DEVK will offer two subsidised products from 2027: an ETF-based standard securities account and a guarantee concept.

ProductSecurities accountOrderETFs/fundsReduction in yield
DEVK-DepotRente BasisInvestment concept predefined, from 1 January 2027 online or in a consultation
DEVK-DepotRente ChanceFund and ETF solutions can be selected, sustainable investments included; expected from April 2027
DEVK-DepotRente Garantieguaranteed benefits with an 80 or 100 percent contribution guarantee; expected from April 2027
Provider type InsurerSurvey 4 November 2026Rolf Henning HackelVerified by Rolf Henning Hackel on 27 October 2026

The commitment in detail

DEVK committed itself on 6 July 2026 in a press release of its own. From 2027 the Cologne insurer will offer two new subsidised products, a low-cost ETF-based solution in a standard depot and a flexible guarantee concept.

The dates are far apart. The standard depot is to be available online from 1 January 2027, the guarantee concept — built on the existing DEVK-Rente ZukunftPlus — not until the second quarter.

There is a statement on costs, but no figure. DEVK is going for low costs, well below the intended upper limit of 1% a year. That is more than most providers say, and still not verifiable.

The language of the release is striking. The standfirst commits firmly, the headline speaks of planned solutions, the body text of DEVK working on them. We follow the standfirst.

The facts at a glance

Does it offer an AVD?
Yes, confirmed
Planned launch
1 January 2027 for the standard securities account, second quarter of 2027 for the guarantee concept
Your contracting party
DEVK; the provider names no legal entity and no custodian bank. The insurance wrapper applies only to the second product
Access for retail investors
Online and through sales partners
Variants announced
standard securities account and guarantee concept
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
How far along the offer is
product page online
Investment universe
A standard securities account with ETFs; a second product based on the unit-linked pension DEVK-Rente ZukunftPlus
Contribution guarantee
80 or 100 percent contribution guarantee in the DEVK-DepotRente Garantie; for Basis and Chance the provider names no guarantee
Riester transfer
yes for its own existing customers: DEVK Riester customers are to be able to move into one of the new DEVK solutions from 2027; on other providers' contracts the provider says nothing
The provider's own statement on costs
Das Haus nennt keine Zahl, sondern eine Richtung: Die Kosten sollen deutlich unter der gesetzlichen Obergrenze von 1,0 Prozent pro Jahr liegen., without a figure · Its own press release on the retirement provision reform, 6 July 2026
Provider website
devk.de

About DEVK

DEVK is a mutual insurance association based in Cologne, grown out of the railway workers' insurer. It is among the ten largest German insurers by premium income and is active in both non-life and life insurance.

Answered briefly

Does DEVK offer an Altersvorsorgedepot?
Yes. In a press release of its own dated 6 July 2026 the provider commits to two subsidised products from 2027.
When does DEVK's offering launch?
The standard securities account is to arrive on 1 January 2027, the guarantee concept not until the second quarter of 2027.
What does the Altersvorsorgedepot cost at DEVK?
There is an announcement, but no price. Only the schedule of fees that follows certification turns a statement into a price.

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”
press release, 16 October 2026 · last verified by us on 27 October 2026 „Die DEVK-DepotRente Basis ermöglicht einen einfachen Einstieg in die staatlich geförderte Kapitalmarktvorsorge. Das Anlagekonzept ist bereits vorgegeben und eignet sich besonders für alle, die bequem starten möchten. Interessierte können die Lösung ab dem 1. Januar 2027 online oder im persönlichen Beratungsgespräch abschließen.“

Other insurers in the monitor

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.

DEVK: status “confirmed” on the Altersvorsorgedepot from 1 January 2027, AVD provider monitor, as of 4 November 2026, this provider last verified 27 October 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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