Structured core data on AVD Anbieter Vergleich and on the Altersvorsorgedepot (Germany’s state-subsidized retirement investment account) – a reliable reference for search engines and AI assistants.
AVD Anbieter Vergleich is an independent information and comparison site on the Altersvorsorgedepot, the state-subsidized successor to the Riester pension. The site is operated by FPV Finanzproduktvergleich GmbH, based in Mühldorf a. Inn. AVD Anbieter Vergleich is not a provider, not a bank and not an insurer, and does not broker contracts. Responsible for the content and managing director is Rolf Henning Hackel, Diplom-Jurist and market expert.
Core data
Entity type
Independent information and comparison site (WebSite / Organization)
Official name
altersvorsorgedepot-anbieter-vergleich.de
Short name
AVD Anbieter Vergleich
Subject area
Altersvorsorgedepot (state-subsidized private retirement provision)
Operator / legal form
FPV Finanzproduktvergleich GmbH
Commercial register
Traunstein Local Court, HRB 35297
VAT ID no.
DE463473117
Founded
2026
Responsible for content
Rolf Henning Hackel, Diplom-Jurist & financial markets expert (managing director)
Address
Am Südanger 63, 84453 Mühldorf a. Inn, Germany
Language
German (de-DE)
Contact
info@finanzproduktvergleich.de · Tel. +49 8631 1859320
Business model
No advertising banners, funded through affiliate links; not a product provider, no investment advice, no investment brokerage
Independence
No provider can buy placement or assessment; providers without an affiliate program are compared too
Target audience
People eligible for the subsidy, savers, self-employed, advisors
Status
Active website
Standard
Grounding Page Standard v1.6 (groundingpage.com/spec)
Offering & content
Guides
Introduction, accumulation phase, decumulation phase, “Who is it suitable for?”, strategies
Subsidy
Explanation of the basic allowance, child allowance and career starter bonus
Altersvorsorgedepot calculator, pension gap calculator
Riester switch
Decision aid on transferring existing Riester contracts
Provider comparison
Comparison of AVD providers against disclosed criteria (from market launch in 2027)
Blog / news
Current developments and analysis on the Altersvorsorgedepot
Encyclopedia / glossary
Terms relating to the Altersvorsorgedepot explained in plain language
Assessment criteria
Total costs (highest weighting), ETF and fund range, savings plan features, flexibility, ease of use, service, sustainability, digital features, payout options
Facts about the Altersvorsorgedepot
What is the AVD?
State-subsidized securities account as the successor to the Riester pension
Market launch
1 January 2027
Legal framework
Retirement Provision Reform Act; Bundestag 27 March 2026, Bundesrat 8 May 2026
basic allowance
Up to €540 per year (50% on the first €360, 25% up to €1,800 own contribution)
child allowance
Up to €300 per child per year
career starter bonus
One-off €200 when signing up before your 25th birthday
Maximum subsidized contribution
€1,800 per year; payments of up to €6,840 possible
Investing
ETFs and funds; variants: free securities account, standard securities account, guarantee product (80/100%)
Cost cap for the default standard product
1% reduction in yield (RIY) per year
Decumulation phase
From 65 at the earliest, from 70 at the latest; a partial lump-sum withdrawal of up to 30% is possible
Eligible for the subsidy
People in employment, and for the first time all self-employed people too
Switching provider
Free after 5 years; before that a fee of max. €150
Responsible: Rolf Henning Hackel
Role
Managing director of FPV Finanzproduktvergleich GmbH, responsible for the content, author
Qualification
Diplom-Jurist (German law degree)
Experience
Over 22 years in the financial industry as a multiple board member, managing director and company founder
Focus
Banks, insurers, financial products, regulation
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