Altersvorsorgedepot at MorgenFund from 2027
MorgenFund is developing the Altersvorsorgedepot with two asset managers and, by its own statement, is the legal contractual partner of the end customers. No cost figure is given.
What lies behind the commitment
Since 8 September 2026 we have used the provider's own product page as evidence instead of the June press release. It carries a calculator and a newsletter on the subject, plus a second variant for partners.
On 11 June 2026 MorgenFund announced a depot solution jointly with Franklin Templeton. The roles are divided. MorgenFund provides the product and the infrastructure, Franklin Templeton brings its investment capabilities, with a focus on ETFs. The whole is to be offered to selected sales partners.
One sentence on the page is easily missed. MorgenFund remains the retail customers' contracting party in law, so anyone signing up through an intermediary still has their contract with MorgenFund and with neither the intermediary nor Franklin Templeton. That is the point.
The provider's two own sources contradict each other in tone. The press release is binding: it will provide a fully digital, scalable and regulatorily compliant offering. The product page sounds distinctly more cautious: it is preparing a depot, and the design will follow the final rules and the certification procedure. We list both. The contradiction we disclose above.
On 3 September 2026 a second partnership was added, with J.P. Morgan Asset Management. The release sits as a PDF on the provider's own product page. It changes nothing about the division of roles. The customers' contracting party remains MorgenFund.
The facts at a glance
About MorgenFund
MorgenFund was created in 2021 to take over parts of DWS's platform business and began operating in December 2022. It is based in Frankfurt am Main and owned by BlackFin Capital Partners with 70% and DWS with 30%. As an investment firm with custody permission MorgenFund holds securities accounts itself, though without deposit protection.
Questions and answers
Does MorgenFund offer an Altersvorsorgedepot?
Where do I sign up?
Whose name ends up on my contract?
What does it cost?
Evidence & source
No status without evidence. What appears here is the public short form; we hold the full text and the source.
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.
MorgenFund: 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