Regular savings plan in the Altersvorsorgedepot: how it works, what minimum amounts apply and why cost averaging helps over the long term. Incl. model calculation.
The 10 most common mistakes with the Altersvorsorgedepot
The 10 most common mistakes with the Altersvorsorgedepot: costs too high, a guarantee chosen out of fear, a missing allowance application, early cancellation. With practical tips.
Compound interest in the Altersvorsorgedepot: why starting early changes everything
Compound interest in the Altersvorsorgedepot: how contributions multiply over decades, with worked examples for 10, 25 and 40 years of investment and the effect of early contributions.
Returns in the Altersvorsorgedepot: what is realistically achievable
What return the Altersvorsorgedepot can deliver: realistic expectations for ETFs, mixed portfolios and guarantee products, long-term ranges and worked examples.
Switching from Riester to the Altersvorsorgedepot: how it works
How switching from a Riester contract to the Altersvorsorgedepot works from 2027: requirements, costs, timeline, transfer of the allowances, with a step-by-step guide.
The self-employed in the Altersvorsorgedepot: fully eligible for the subsidy for the first time
Altersvorsorgedepot for the self-employed from 2027: €540 basic allowance, special expenses deduction up to €1,800, combination with Rürup, model calculations for freelancers and traders.
ZfA: the Central Allowance Office for Retirement Assets explained simply
The Central Allowance Office for Retirement Assets (ZfA) is the authority behind the allowances in the Altersvorsorgedepot. Tasks, processes and what savers need to know, explained concisely.
Lifecycle model in the Altersvorsorgedepot: the glidepath explained simply
Lifecycle model (glidepath) in the Altersvorsorgedepot: how the equity allocation is automatically reduced over the years, advantages and disadvantages, with concrete examples from 2027.
Inheritance of the Altersvorsorgedepot: what heirs receive
How the Altersvorsorgedepot is inherited: before and after the start of retirement, tax for heirs, comparison with Rürup, with concrete examples and frequently asked questions.