The Altersvorsorgedepot from a B2B platform’s point of view – interview with FFB
FIL Fondsbank (FFB) is bringing the Altersvorsorgedepot to market through brokers, broker pools and asset managers. Michael Müller explains the standard and premium models, the Altersvorsorgedepot Select option and why FFB sees the business as a strategic growth area.
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.
Is the Altersvorsorgedepot safe?
Yes, but not without risk. What the law secures — segregated fund assets, a 1.0 percent cost cap, no single stocks — and what it deliberately leaves open: the capital guarantee.
Trade Republic Altersvorsorgedepot: really 0 euros in costs?
No account fee, free savings plans, more than 50 ETFs without fund costs. Trade Republic is bringing the Altersvorsorgedepot at zero cost from 2027. What the offer is worth and where the catch is.
Altersvorsorgedepot or Frühstart-Rente: what is the difference?
Altersvorsorgedepot or Frühstart-Rente? One is for you, one for your child. The clear difference in subsidies, rules and the 2027 launch – and why both can run at the same time.
What does the Altersvorsorgedepot really cost at Deka?
For its standard securities account Deka charges only 0.1 percent a year, putting it on a par with the cheapest neobrokers. What the Altersvorsorgedepot really costs at the Sparkassen, where the catch lies and how Deka fits into the price war.
The Altersvorsorgedepot from a rating expert’s point of view
fb research managing director Fabian Van Lancker in interview: how do you compare Altersvorsorgedepots fairly, why is the industry betting on premium products, and how do ratings stay independent?
Transferring Riester into the Altersvorsorgedepot – can it be done without losing the subsidy
Riester may come along into the Altersvorsorgedepot, and the government subsidy is retained in full, provided the deadlines, costs and sequence are right. Otherwise it gets expensive.
Altersvorsorgedepot worked example: how €300 a month turns into a million
A million sounds like the lottery. But if you start early and take the government subsidy year after year, with the Altersvorsorgedepot you really can reach seven figures over a working life. We do the math for you.
Is the Frühstartrente worth it? What parents need to know
€10 a month from the state for every child – sounds good. But is the Frühstartrente (early-start pension for children) really worth it? We do the honest math on who it pays off for and who benefits less
Vanguard on the Altersvorsorgedepot: costs, competition and the 2027 launch
From 1 January 2027 the Altersvorsorgedepot (Germany's state-subsidized retirement investment account) replaces the Riester pension as the core state-subsidized product. How the provider side views the new rules has barely reached the outside world so far. So we asked.
Halal Altersvorsorgedepot: does a Sharia-compliant ETF fit into the subsidized securities account?
Millions of Muslim women and men in Germany would be eligible for the subsidy from 2027. But is an Altersvorsorgedepot (Germany's state-subsidized retirement investment account) compatible with the prohibition of interest and with the question of what is actually inside the fund? We took a look.
Retirement provision on Instagram: an opportunity for financial education
Retirement provision on Instagram: why social media helps financial education, and how to tell credible information from pure advertising.
“Most mistakes do not happen when saving, but when it comes to tax”
20 tax questions on the Altersvorsorgedepot - an expert interview with Diplom-Kaufmann and Steuerberater Stepan Riek
Rürup pension or Altersvorsorgedepot: what is worth it for the self-employed?
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.
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.