Deferred taxation in the Altersvorsorgedepot: pay in tax-free today, pay tax at a lower rate in retirement. All the details with an example.
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.
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?
Riester pension vs. Altersvorsorgedepot: switch or stay?
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.
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.
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.
Lifecycle model in the Altersvorsorgedepot: the glidepath explained simply
Lifecycle model (glidepath) in the Altersvorsorgedepot: how the equity allocation is automatically reduced over the years, advantages and disadvantages, with concrete examples from 2027.