The Frühstartrente pays children aged 6 to 18 a monthly €10 into their own securities account. How it differs from the child allowance, a model calculation to 67 and what happens at 18.
Permanent allowance application: submit once, allowance every year
The permanent allowance application secures the allowance automatically every year. How it works, why it has to be submitted again when you switch provider and what you have to report yourself.
Minimum own contribution: €120 a year keeps the subsidy alive
€120 per year is the lower limit for the allowance. Which three thresholds there are, how the basic allowance is staged and what applies with a fluctuating income.
More-favourable-treatment check: allowance or tax deduction, the tax office decides
The tax office automatically compares the allowance and the special expenses deduction. At what point the deduction wins, why children shift the threshold and what you have to do.
Non-qualifying withdrawal: what cancelling really costs
Cancellation and early withdrawal claw back allowances and tax advantages. What exactly is reclaimed, what remains allowed and what the alternative is.
Retirement provision on Instagram: an opportunity for financial education
Retirement provision on Instagram: why social media helps financial education, and how to tell credible information from pure advertising.
Rürup pension or Altersvorsorgedepot: what is worth it for the self-employed?
As a self-employed person, you long had to rely on the Rürup pension for subsidized retirement provision. From 2027, the Altersvorsorgedepot adds a second subsidized option – for the first time for you too
The Altersvorsorgedepot under fire: what consumer advocates criticize – and what speaks against it
For many, the Altersvorsorgedepot counts as the most attractive retirement product in decades. Consumer advocates take a more nuanced view and warn on several counts. We take their criticism seriously, but we also put it to the test.
Study: 4.5 million Altersvorsorgedepot accounts as early as 2027 – what that means for savers
Not a single Altersvorsorgedepot (Germany’s state-subsidized retirement investment account) has been opened yet, but expectations for the launch are already high. A current market study expects millions of people to sign up in the very first year. Here we look at what is behind the figures and what they mean for your own decision.
Two Altersvorsorgedepot accounts at the same time: is that possible?
If you are looking into the Altersvorsorgedepot, sooner or later you run into the same question: can you simply take out two contracts and then receive double the subsidy?