The permanent allowance application secures the allowance automatically every year. How it works, why it has to be submitted again when you switch provider and what you have to report yourself.
Minimum own contribution: €120 a year keeps the subsidy alive
€120 per year is the lower limit for the allowance. Which three thresholds there are, how the basic allowance is staged and what applies with a fluctuating income.
More-favourable-treatment check: allowance or tax deduction, the tax office decides
The tax office automatically compares the allowance and the special expenses deduction. At what point the deduction wins, why children shift the threshold and what you have to do.
Inflation and purchasing power: what your securities account will really be worth in 30 years
Two percent inflation halves purchasing power in 35 years. What separates nominal from real, why guarantees lose in real terms and how the contribution grows along with it.
Switching providers: transfer instead of terminating
Switching costs a maximum of €150 in the first five years. The process in five steps, when switching pays off and when you are better off staying in your old contract.
Pension gap: what is missing between your needs and the statutory pension
Estimating the pension gap in three steps, why the pension statement is misleading and what it costs to close it. With tables by income and starting age.
Frühstartrente: €10 a month from the state for children aged 6 and up
The Frühstartrente pays children aged 6 to 18 a monthly €10 into their own securities account. How it differs from the child allowance, a model calculation to 67 and what happens at 18.
Non-qualifying withdrawal: what cancelling really costs
Cancellation and early withdrawal claw back allowances and tax advantages. What exactly is reclaimed, what remains allowed and what the alternative is.
Altersvorsorgedepot glossary: all terms from A to Z
Glossary of the Altersvorsorgedepot from 2027: 62 terms from A to Z explained clearly, plus 33 topic pages with model calculations, personas and frequently asked questions.
Reduction in yield (RIY) in the Altersvorsorgedepot: what you need to know
Reduction in yield (RIY) in the Altersvorsorgedepot: what does the 1% limit mean? Which costs are included? How does it affect the return? With a model calculation.