Riester pension vs. Altersvorsorgedepot: grandfathering, switching rules, comparison of the subsidy. When is switching worth it? Including a checklist.
Regular savings plan in the Altersvorsorgedepot: save into ETFs automatically every month
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.
Retirement Provision Reform Act (Altersvorsorgereformgesetz): the law behind the Altersvorsorgedepot
Retirement Provision Reform Act: key points, Bundestag resolution, Bundesrat, entry into force on 1 January 2027. All the important dates on the law behind the Altersvorsorgedepot.
Altersvorsorgedepot vs. Rürup pension: what makes sense for the self-employed?
Altersvorsorgedepot vs. Rürup (Basisrente): comparison for the self-employed, maximum subsidized contributions, taxes, inheritance, flexibility. What is worth it for whom?
Annex AV (pension section of the German tax return): entering the Altersvorsorgedepot in your tax return
Annex AV in the income tax return: how to enter contributions to the Altersvorsorgedepot correctly from 2027, step by step, with examples and common mistakes.
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.