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.
Altersvorsorgedepot
Altersvorsorgedepot from 2027: who benefits, when does it start, how much subsidy is there, how does the payout work? All the answers, clearly explained.
Life annuity in the Altersvorsorgedepot: a guaranteed pension for life
Life annuity in the Altersvorsorgedepot: how the lifelong pension payment works, what the annuity factor tells you and when a life annuity is worth it.
Special expenses deduction in the Altersvorsorgedepot: €1,800 plus allowance entitlement
Special expenses deduction in the Altersvorsorgedepot: deduct €1,800 of contributions per year, the more-favourable-treatment check, and examples of tax savings at different income levels.
Deferred taxation in the Altersvorsorgedepot
Deferred taxation in the Altersvorsorgedepot: pay in tax-free today, pay tax at a lower rate in retirement. All the details with an example.
ETFs in the Altersvorsorgedepot: the heart of the new retirement provision
ETFs in the Altersvorsorgedepot: what are exchange traded funds, which ones are suitable (MSCI World, FTSE All-World), TER, replication, tax. Including selection tips.
Contribution guarantee in the Altersvorsorgedepot: optional instead of mandatory
Contribution guarantee in the Altersvorsorgedepot: optionally 80% or 100%. How does it work, how much return does it cost, when is it worthwhile?
Drawdown plan to age 85: the flexible alternative to a life annuity
Drawdown plan to age 85 in the Altersvorsorgedepot: how it works, how high the pension is and when it beats the life annuity. Including inheritance of remaining capital.
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.