Altersvorsorgedepot from 2027: who benefits, when does it start, how much subsidy is there, how does the payout work? All the answers, clearly explained.
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.
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.
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.
Life annuity in the Altersvorsorgedepot: a guaranteed pension for life
Life annuity in the Altersvorsorgedepot: how the lifelong pension payment works, what the annuity factor tells you and when a life annuity is worth it.
Drawdown plan to age 85: the flexible alternative to a life annuity
Drawdown plan to age 85 in the Altersvorsorgedepot: how it works, how high the pension is and when it beats the life annuity. Including inheritance of remaining capital.
Contribution guarantee in the Altersvorsorgedepot: optional instead of mandatory
Contribution guarantee in the Altersvorsorgedepot: optionally 80% or 100%. How does it work, how much return does it cost, when is it worthwhile?
Special expenses deduction in the Altersvorsorgedepot: €1,800 plus allowance entitlement
Special expenses deduction in the Altersvorsorgedepot: deduct €1,800 of contributions per year, the more-favourable-treatment check, and examples of tax savings at different income levels.
ETFs in the Altersvorsorgedepot: the heart of the new retirement provision
ETFs in the Altersvorsorgedepot: what are exchange traded funds, which ones are suitable (MSCI World, FTSE All-World), TER, replication, tax. Including selection tips.
Deferred taxation in the Altersvorsorgedepot
Deferred taxation in the Altersvorsorgedepot: pay in tax-free today, pay tax at a lower rate in retirement. All the details with an example.