comdirect and ING pay 50 euros, Scalable raffles 540 euros a year. How the bonuses weigh against ongoing costs and at what mark-up they are used up.
Is the Altersvorsorgedepot safe?
Yes, but not without risk. What the law secures — segregated fund assets, a 1.0 percent cost cap, no single stocks — and what it deliberately leaves open: the capital guarantee.
Trade Republic Altersvorsorgedepot: really 0 euros in costs?
No account fee, free savings plans, more than 50 ETFs without fund costs. Trade Republic is bringing the Altersvorsorgedepot at zero cost from 2027. What the offer is worth and where the catch is.
Altersvorsorgedepot or Frühstart-Rente: what is the difference?
Altersvorsorgedepot or Frühstart-Rente? One is for you, one for your child. The clear difference in subsidies, rules and the 2027 launch – and why both can run at the same time.
What does the Altersvorsorgedepot really cost at Deka?
For its standard securities account Deka charges only 0.1 percent a year, putting it on a par with the cheapest neobrokers. What the Altersvorsorgedepot really costs at the Sparkassen, where the catch lies and how Deka fits into the price war.
Transferring Riester into the Altersvorsorgedepot – can it be done without losing the subsidy
Riester may come along into the Altersvorsorgedepot, and the government subsidy is retained in full, provided the deadlines, costs and sequence are right. Otherwise it gets expensive.
Altersvorsorgedepot worked example: how €300 a month turns into a million
A million sounds like the lottery. But if you start early and take the government subsidy year after year, with the Altersvorsorgedepot you really can reach seven figures over a working life. We do the math for you.
Altersvorsorgedepot monitor: more and more providers are getting ready, Scalable leads the way
Not a single Altersvorsorgedepot (Germany’s state-subsidized retirement investment account) can be opened yet, but providers are moving into position. A good moment to take stock of the market before the first real products launch in January 2027.
Is the Frühstartrente worth it? What parents need to know
€10 a month from the state for every child – sounds good. But is the Frühstartrente (early-start pension for children) really worth it? We do the honest math on who it pays off for and who benefits less
Altersvorsorgedepot at your primary bank: what speaks for it and what against
From 1 January 2027 the Altersvorsorgedepot (Germany’s state-subsidized retirement investment account) – the successor to the Riester pension – calls for an active decision for the first time: which provider should it be?