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.
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.
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.
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.