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?
Halal Altersvorsorgedepot: does a Sharia-compliant ETF fit into the subsidized securities account?
Millions of Muslim women and men in Germany would be eligible for the subsidy from 2027. But is an Altersvorsorgedepot (Germany’s state-subsidized retirement investment account) compatible with the prohibition of interest and with the question of what is actually inside the fund? We took a look.
Inflation and purchasing power: what your securities account will really be worth in 30 years
Two percent inflation halves purchasing power in 35 years. What separates nominal from real, why guarantees lose in real terms and how the contribution grows along with it.
Switching providers: transfer instead of terminating
Switching costs a maximum of €150 in the first five years. The process in five steps, when switching pays off and when you are better off staying in your old contract.
Pension gap: what is missing between your needs and the statutory pension
Estimating the pension gap in three steps, why the pension statement is misleading and what it costs to close it. With tables by income and starting age.