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?
Altersvorsorgedepot advantages and disadvantages: what speaks for it and what does not
€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.
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.
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.