The permanent allowance application secures the allowance automatically every year. How it works, why it has to be submitted again when you switch provider and what you have to report yourself.
Minimum own contribution: €120 a year keeps the subsidy alive
€120 per year is the lower limit for the allowance. Which three thresholds there are, how the basic allowance is staged and what applies with a fluctuating income.
More-favourable-treatment check: allowance or tax deduction, the tax office decides
The tax office automatically compares the allowance and the special expenses deduction. At what point the deduction wins, why children shift the threshold and what you have to do.
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.
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.
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.
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.