Altersvorsorgedepot at R+V from 2027
R+V commits to the Altersvorsorgedepot for 1 January 2027 and names three solutions. It names no charges.
What the commitment covers
R+V lists “Altersvorsorgedepot” in its own product list, marked with the status “In Planung” — in planning. That marking comes from the provider itself. It is the reason we list R+V as in preparation rather than confirmed.
The topic page on it explains the law and the subsidy and offers a calculator and a newsletter. What it describes throughout are the statutory categories rather than R+V's own range; in places R+V even uses “Altersvorsorgedepot” as an umbrella term for the whole reform instead of for a product. That makes for hard reading.
There is a real undertaking in one place only: R+V will support you through the change. That is a commitment to advise. It is not a promise of a product.
Since today the commitment is there by name. R+V lists three solutions on its product page: AltersvorsorgeGarantie 80, AltersvorsorgeDepot individuell and AltersvorsorgeDepot standard. Plus the sentence that the AltersvorsorgeDepot can be taken out from 1 January 2027. That raises the status from in preparation to confirmed and the stage from waiting list to product page.
The differences sit in a table. A guarantee level of 80 percent in the guarantee variant, 0 percent in both securities accounts. The standard account invests in two prescribed ETFs, in the individual account the client chooses, and in the guarantee variant the money sits in the guarantee assets with a growth-oriented ETF component. No cost figure appears anywhere. The word Effektivkosten does not occur on the page. Read at the source on 13 October 2026.
The key facts
About R+V
R+V traces back to two foundings in 1922 and is based in Wiesbaden. Its majority owner is DZ BANK, with further stakes held by cooperative associations and more than 400 Volksbanken and Raiffeisenbanken. It has no banking authorisation. The company therefore cannot hold securities accounts itself.
Questions and answers
Does R+V offer an Altersvorsorgedepot?
What has R+V already decided, and what not?
What does the Altersvorsorgedepot cost at R+V?
Evidence & source
Every status here is tied to a source. Origin and date are public; the full reference sits in our working table.
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.
R+V: 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