Contribution guarantee in the Altersvorsorgedepot: optionally 80% or 100%. How does it work, how much return does it cost, when is it worthwhile?
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 (Germany’s state-subsidized retirement investment account) 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 (Germany’s state-subsidized retirement investment account): 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.
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.
ZfA: the Central Allowance Office for Retirement Assets explained simply
The Central Allowance Office for Retirement Assets (ZfA) is the authority behind the allowances in the Altersvorsorgedepot. Tasks, processes and what savers need to know, explained concisely.
The self-employed in the Altersvorsorgedepot: fully eligible for the subsidy for the first time
Altersvorsorgedepot for the self-employed from 2027: €540 basic allowance, special expenses deduction up to €1,800, combination with Rürup, model calculations for freelancers and traders.