€540 a year from the state, a tax-free securities account, a full equity allocation: the Altersvorsorgedepot sounds like the most attractive retirement product in decades.
How does the Altersvorsorgedepot work?
You have heard of the Altersvorsorgedepot (Germany’s state-subsidized retirement investment account) but do not yet know exactly how your money actually works inside it, and how much ends up with the state and how much with you? Let us go through it together step by step.
Child allowance in the Altersvorsorgedepot: who receives the €300 per child?
€300 per child per year, simply added by the state: that is the child allowance in the Altersvorsorgedepot.
Altersvorsorgedepot glossary: all terms from A to Z
Glossary of the Altersvorsorgedepot from 2027: 62 terms from A to Z explained clearly, plus 33 topic pages with model calculations, personas and frequently asked questions.
Default standard product: the low-cost basic account in the Altersvorsorgedepot
The default standard product in the Altersvorsorgedepot: a basic offering prescribed by law with a cost cap of 1% p.a. How it works and when it is worth it.
Reduction in yield (RIY) in the Altersvorsorgedepot: what you need to know
Reduction in yield (RIY) in the Altersvorsorgedepot: what does the 1% limit mean? Which costs are included? How does it affect the return? With a model calculation.
Altersvorsorgedepot
Altersvorsorgedepot from 2027: who benefits, when does it start, how much subsidy is there, how does the payout work? All the answers, clearly explained.
Child allowance in the Altersvorsorgedepot: €300 per child per year
Child allowance in the Altersvorsorgedepot from 2027: €300 per child per year, from an own contribution of just €25 a month. Requirements, examples, comparison with Riester.
Career starter bonus: €200 free for young savers
Career starter bonus 2027: a one-off €200 government payment when you open an Altersvorsorgedepot before your 25th birthday. Requirements & tips.
Basic allowance in the Altersvorsorgedepot: up to €540 per year from the state
Basic allowance in the Altersvorsorgedepot: up to €540 per year from the state. Who is entitled, how is the allowance calculated, when is it paid out? All the answers.