Altersvorsorgedepot at Fidelity from 2027

What does the Altersvorsorgedepot cost at Fidelity?

Fidelity is the only provider that names a securities account fee. €1 a month for the VorsorgeDepot, €2 for the VorsorgeDepot Plus. On top come the product costs, around 0.35% and around 0.6% a year respectively.

The figures have been on two product pages of their own since October 2026. Before that we only knew the release of 14 September, and for the larger variant it gave 1.35% — more than double today's value.

The commitment in detail

On the Altersvorsorgedepot, Fidelity appears under its own name. Its own release of 8 May 2026 is headed „Fidelity International launcht Altersvorsorgedepot“, and on a customer page the provider describes the offering for the launch on 1 January 2027. The page carries the reference PIA1460 and the month September 2026.

Two routes are described. The standard depot invests in two ETFs, one cautious and one return-oriented, and adjusts the split to the customer's age automatically. Beside it stands an Altersvorsorgedepot with several ETFs and funds in the portfolio. For the standard depot the page names an intended cost limit of one percent a year. That is the statutory cap for this contract type and not a price stated by Fidelity.

The names have settled. In September the two models were still called “Standarddepot” and “Altersvorsorgedepot” on the customer pages, but “Fidelity VorsorgeDepot Standard” and “Fidelity VorsorgeDepot Plus” in the sales-partner area. Since October 2026 the provider has run two product pages of its own on fidelity.de, and there they are called Fidelity VorsorgeDepot and Fidelity VorsorgeDepot Plus.

On 14 September 2026 Fidelity published a page of its own on this, headed „Vor Marktstart wissen, was zählt: Das Altersvorsorgedepot von Fidelity und FFB“ — know what counts before market launch: the Altersvorsorgedepot from Fidelity and FFB. With that the provider names the division itself, and in a title. The page is dated September 2026 and carries the reference MK17772. It is aimed at sales partners and shows a recording that the provider expressly does not intend for retail investors.

Since 7 October 2026 the prices have been on pages of their own, and two of them differ from September. The Fidelity VorsorgeDepot costs around 0.35% product costs of the average securities account value a year, plus a securities account fee of €1 a month. The VorsorgeDepot Plus costs around 0.6% plus €2 a month. The distribution-list release of 14 September had still named 0.35% or 0.75% for the standard securities account and 1.35% for the portfolio service. The 0.75% appears on no page, and 1.35% has become less than half. The securities account fees are confirmed: €1 and €2 a month are the €12 and €24 a year from the release.

Some context belongs with this, or the comparison misleads. According to the provider, these product costs cover acquisition and distribution, securities account fee, commissions, platform costs and the ongoing fund costs. Deka's 0.1% applies to the ETFs only. Scalable Capital starts free of charge. That puts Fidelity above the cheapest providers, but it explicitly aims its offer also at intermediaries and advisers, whose remuneration is included. For the first half of 2027 the provider announces a second stage, a curated offer of selected asset managers and the Altersvorsorgedepot Select, in which advisers make the fund selection themselves.

Since today the two ETFs have been named on the page. The growth-oriented building block is called Fidelity All Country Equity Research Enhanced Strategie, risk class 4. The defensive one is called Fidelity Euro Ultra Short Duration Bond Strategie, risk class 2. They do not exist yet. According to the provider, both will be launched specifically for this securities account only in the fourth quarter. The glide path runs over the ten years before the start of the pension. It may be overridden. The split between the two ETFs can be set manually in steps of ten percent. Read at the source on 8 October 2026.

Which products Fidelity has announced

Two products. The Fidelity VorsorgeDepot relies on two purpose-built, actively managed ETFs with lifecycle management. Alongside it stands the VorsorgeDepot Plus, a managed portfolio service with three risk profiles.

The small print is worth a look here: the product costs are total costs and not pure fund costs. Anyone who compares them with Deka's 0.1% is comparing unlike things.

The facts at a glance

About Fidelity

Fidelity International is a British-rooted asset manager active in Germany through several companies. FIL Investment Services GmbH brokers and advises; it is not an authorised institution. The securities accounts are held by its sister company FIL Fondsbank GmbH in Kronberg im Taunus. The German presence is split by audience: one site for private investors and a separate area for sales partners.

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.