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.
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.
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.
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.
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.
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.
Returns in the Altersvorsorgedepot: what is realistically achievable
What return the Altersvorsorgedepot can deliver: realistic expectations for ETFs, mixed portfolios and guarantee products, long-term ranges and worked examples.
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.