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How the development of costs affects the return on your Altersvorsorgedepot

October 24, 2026 teamspecht Comments Off on How the development of costs affects the return on your Altersvorsorgedepot

After the subsidy, a second, inconspicuous figure decides your return: the ongoing costs. Why one percentage point makes such a difference over 30 years.

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You cannot open an Altersvorsorgedepot before 1 January 2027. We follow the market and will write to you when there is something real to compare. Independent, with editorial responsibility held by Rolf Henning Hackel, lawyer & financial market expert.

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Altersvorsorgedepot Logo von AVD Vergleich, animiertes Symbol für die staatlich geförderte Altersvorsorge.

An independent information site on the Altersvorsorgedepot, the successor to the Riester pension, run by Rolf Henning Hackel, lawyer and financial market expert. Our provider monitor checks commitments and terms directly at the provider every working day.

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Information

  • About us
  • Press
  • Altersvorsorgedepot glossary: all terms from A to Z
  • Altersvorsorgedepot 2027 - Facts

Topics

  • Frühstartrente (early-start pension for children)
  • Riester switch
  • What does the Altersvorsorgedepot really cost?

Who it's for

  • Altersvorsorgedepot for the self-employed
  • Altersvorsorgedepot for women
  • Altersvorsorgedepot for families
  • Altersvorsorgedepot for young people
  • Altersvorsorgedepot from 50
  • Altersvorsorgedepot for higher earners
  • Altersvorsorgedepot for low earners
  • Altersvorsorgedepot for foreign nationals and cross-border commuters

Neobrokers and brokers

  • flatex
  • Scalable Capital
  • Smartbroker+
  • Trade Republic
  • Traders Place
  • Consorsbank
  • finanzen.net ZERO
  • Trading 212
  • justTRADE

Major and direct banks

  • Deutsche Bank
  • ING
  • Postbank
  • comdirect
  • Commerzbank
  • HypoVereinsbank
  • N26
  • Santander / Openbank
  • Targobank
  • DKB
  • UmweltBank
  • BW-Bank

Regional banks

  • DekaBank
  • PSD Banken
  • Volks- und Raiffeisenbanken
  • Sparda-Banken

Specialist banks

  • FIL Fondsbank
  • FNZ Bank
  • MorgenFund
  • apoBank
  • Baader Bank

Robo-advisors

  • quirion
  • Raisin / WeltSparen
  • Ginmon
  • Oskar
  • Evergreen
  • growney
  • Whitebox
  • DJE

Apps and fintechs

  • Sunrise
  • beatvest
  • Finanzguru
  • UnitPlus
  • Tomorrow

Insurers

  • Hannoversche
  • Allianz
  • BarmeniaGothaer
  • DEVK
  • ERGO
  • Helvetia
  • Öffentliche Braunschweig
  • Provinzial
  • R+V
  • VOLKSWOHL BUND
  • Württembergische Versicherung
  • Zurich
  • Alte Leipziger
  • Debeka
  • HUK-Coburg
  • Liechtenstein Life
  • LVM
  • Öffentliche Oldenburg
  • ÖSA
  • SV Sachsen
  • VGH
  • VPV
  • AXA
  • Concordia
  • CosmosDirekt
  • Generali
  • InterRisk
  • Signal Iduna
  • SV SparkassenVersicherung
  • Die Stuttgarter
  • HDI
  • Itzehoer
  • uniVersa
  • Versicherungskammer Bayern

Investment management companies (KVG)

  • DWS
  • Fidelity

provider monitor

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last verified on 4 November 2026

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