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

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.

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? 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.

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.

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.

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.

€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

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: why social media helps financial education, and how to tell credible information from pure advertising.