Altersvorsorgedepot at growney from 2027

What the commitment covers

growney took a position on 16 April 2026, among the very first to do so. The basis is portfolio solutions using Vanguard ETFs, which the provider intends to use for the coming Altersvorsorgedepot as well. growney means to see to compliance with the statutory requirements itself.

Access is set up on two tracks, and in that growney stands alone in the monitor. Retail investors are to be able to sign up directly, while broker and intermediary organisations can use the same solution under their own branding. Two routes, then.

The trade press mostly frames the announcement as a broker product. That question has since been settled. growney runs a page of its own for retail customers where the Altersvorsorgedepot can be pre-registered, and asked how safe the money is at growney, the provider answers with segregated fund assets and BaFin supervision. The retail route is therefore evidenced and no longer merely inferred.

One formulation there deserves attention, because it is the opposite of what several competitors write. Asked whether an Altersvorsorgedepot can be opened already, growney answers no. No bridging logic. Anyone pre-registering gets launch information, not a depot that supposedly converts itself later.

The key facts

About growney

growney was founded in Berlin in 2014, has been majority-owned by Hamburg-based LAIQON AG since 2022 and offers ETF portfolios as a digital discretionary service. The company does not hold securities accounts itself. So far that has been Sutor Bank, and from July 2026 Upvest Securities GmbH, which means your securities account contract ends up with a third party and not with growney.

Evidence & source

Every status here is tied to a source. Origin and date are public; the full reference sits in our working table.