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Compound interest in the Altersvorsorgedepot: why starting early changes everything

June 30, 2026 Rolf Henning Hackel Comments Off on 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.

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You cannot open an Altersvorsorgedepot before 1 January 2027. We follow the market and will write to you when there is something real to compare. Independent, with editorial responsibility held by Rolf Henning Hackel, lawyer & financial market expert.

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An independent information site on the Altersvorsorgedepot, the successor to the Riester pension, run by Rolf Henning Hackel, lawyer and financial market expert. Our provider monitor checks commitments and terms directly at the provider every working day.

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Information

  • About us
  • Altersvorsorgedepot glossary: all terms from A to Z
  • Altersvorsorgedepot 2027 - Facts

Topics

  • Frühstartrente (early-start pension for children)
  • Riester switch

Who it's for

  • Altersvorsorgedepot for the self-employed
  • Altersvorsorgedepot for women
  • Altersvorsorgedepot for families
  • Altersvorsorgedepot for young people
  • Altersvorsorgedepot from 50
  • Altersvorsorgedepot for higher earners
  • Altersvorsorgedepot for low earners
  • Altersvorsorgedepot for foreign nationals and cross-border commuters

Neobrokers and brokers

  • Scalable Capital
  • Smartbroker+
  • Traders Place
  • Consorsbank
  • Trade Republic
  • finanzen.net ZERO
  • flatex

Major and direct banks

  • N26
  • Santander / Openbank
  • comdirect
  • Commerzbank
  • DKB
  • HypoVereinsbank
  • ING

Regional banks

  • DekaBank
  • PSD Banken
  • Volks- und Raiffeisenbanken
  • Sparda-Banken

Specialist banks

  • FIL Fondsbank
  • FNZ Bank
  • MorgenFund
  • apoBank
  • Baader Bank

Robo-advisors

  • quirion
  • Ginmon
  • Raisin / WeltSparen
  • Evergreen
  • growney
  • Oskar
  • Whitebox
  • DJE

Apps and fintechs

  • Sunrise
  • beatvest
  • Finanzguru
  • UnitPlus
  • Tomorrow

Insurers

  • ERGO
  • Helvetia
  • Provinzial
  • Württembergische Versicherung
  • Öffentliche Braunschweig
  • Alte Leipziger
  • Debeka
  • HUK-Coburg
  • Liechtenstein Life
  • LVM
  • R+V
  • SV Sachsen
  • VGH
  • VPV
  • Öffentliche Oldenburg
  • ÖSA
  • Allianz
  • AXA
  • Concordia
  • DEVK
  • Hannoversche
  • InterRisk
  • Signal Iduna
  • SV SparkassenVersicherung
  • VOLKSWOHL BUND
  • Zurich
  • BarmeniaGothaer
  • Die Stuttgarter
  • HDI
  • Itzehoer
  • uniVersa
  • Versicherungskammer Bayern

Investment management companies (KVG)

  • Fidelity

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last verified on 24 September 2026

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