Reduction in yield (RIY) in the Altersvorsorgedepot: what does the 1% limit mean? Which costs are included? How does it affect the return? With a model calculation.
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.
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?
Regular savings plan in the Altersvorsorgedepot: save into ETFs automatically every month
Regular savings plan in the Altersvorsorgedepot: how it works, what minimum amounts apply and why cost averaging helps over the long term. Incl. model calculation.
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.
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.
Compound interest in the Altersvorsorgedepot: why starting early changes everything
Compound interest in the Altersvorsorgedepot: how contributions multiply over decades, with worked examples for 10, 25 and 40 years of investment and the effect of early contributions.