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.
Default standard product: the low-cost basic account in the Altersvorsorgedepot
The default standard product in the Altersvorsorgedepot: a basic offering prescribed by law with a cost cap of 1% p.a. How it works and when it is worth it.
Career starter bonus: €200 free for young savers
Career starter bonus 2027: a one-off €200 government payment when you open an Altersvorsorgedepot before your 25th birthday. Requirements & tips.
Child allowance in the Altersvorsorgedepot: €300 per child per year
Child allowance in the Altersvorsorgedepot from 2027: €300 per child per year, from an own contribution of just €25 a month. Requirements, examples, comparison with Riester.
Basic allowance in the Altersvorsorgedepot: up to €540 per year from the state
Basic allowance in the Altersvorsorgedepot: up to €540 per year from the state. Who is entitled, how is the allowance calculated, when is it paid out? All the answers.