{"id":1779291225,"date":"2026-06-16T13:45:13","date_gmt":"2026-06-16T13:45:13","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/subsidy\/"},"modified":"2026-09-16T15:49:06","modified_gmt":"2026-09-16T15:49:06","slug":"subsidy","status":"publish","type":"page","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/subsidy\/","title":{"rendered":"Subsidy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1779291225\" class=\"elementor elementor-1779291225 elementor-1779266743\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0788366 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"0788366\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3ed3987 e-con-full e-flex e-con e-child\" data-id=\"3ed3987\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c04c95a elementor-widget elementor-widget-keydesign-heading\" data-id=\"c04c95a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><h1 class=\"kd-heading__title\">Subsidy, tax relief and return<\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b65be2 elementor-widget elementor-widget-text-editor\" data-id=\"6b65be2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Why the Altersvorsorgedepot delivers more than capital market returns alone.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08bedb2 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"08bedb2\" data-element_type=\"container\" data-e-type=\"container\" id=\"section1\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-61704a4 e-con-full e-flex e-con e-child\" data-id=\"61704a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e8fcda elementor-widget__width-initial animated-fast elementor-widget elementor-widget-image\" data-id=\"3e8fcda\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/altersvorsorgedepot-eltern-und-kinder.webp\" class=\"attachment-full size-full wp-image-1779291226\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/altersvorsorgedepot-eltern-und-kinder.webp 1080w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/altersvorsorgedepot-eltern-und-kinder-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/altersvorsorgedepot-eltern-und-kinder-1024x1024.webp 1024w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/altersvorsorgedepot-eltern-und-kinder-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/altersvorsorgedepot-eltern-und-kinder-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/altersvorsorgedepot-eltern-und-kinder-710x710.webp 710w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-568eca2 e-con-full e-flex e-con e-child\" data-id=\"568eca2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2f7f90 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"c2f7f90\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Introduction<\/span><h2 class=\"kd-heading__title\"><span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">More  <\/span><\/span> than just what you pay in\n\n<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dab05ee elementor-widget elementor-widget-text-editor\" data-id=\"dab05ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>With the Altersvorsorgedepot it is not only your own contribution that counts. The state adds substantially through allowances and tax relief. Every subsidized euro lands straight in the account and earns returns of its own \u2014 almost like an extra return on your contribution, and that before the capital market has done anything at all. In concrete terms that is up to \u20ac540 basic allowance per person and \u20ac300 per child, year after year.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89655bd elementor-widget elementor-widget-keydesign-button\" data-id=\"89655bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-button.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-button-wrap\"><a class=\"kd-button elementor-button\" role=\"button\" data-text=\"join the waiting list\" href=\"#newsletter\"><span class=\"kd-button__label\">join the waiting list<\/span><span class=\"kd-button__icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3eeb709 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"3eeb709\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-06760fc e-con-full e-flex e-con e-child\" data-id=\"06760fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a10a66e animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"a10a66e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"Own contribution\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"kd-icon-box__icon-wrapper\">\n\t\t\t\t\t<span class=\"kd-icon-box__icon\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">Own contribution<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Your regular contribution. You decide how much goes into the account each month.<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85ab4b7 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"85ab4b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"Government support\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"kd-icon-box__icon-wrapper\">\n\t\t\t\t\t<span class=\"kd-icon-box__icon\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">Government support<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Allowances from the state that go straight into the account and grow with it from day one.<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-510392d animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"510392d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"Capital market return\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"kd-icon-box__icon-wrapper\">\n\t\t\t\t\t<span class=\"kd-icon-box__icon\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">Capital market return<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Returns from broadly diversified ETFs and funds, the biggest lever over the years.<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4141b8 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"f4141b8\" data-element_type=\"container\" data-e-type=\"container\" id=\"tax\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-14162e8 e-con-full e-flex e-con e-child\" data-id=\"14162e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-651aa9f animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"651aa9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Allowances<\/span><h2 class=\"kd-heading__title\">The subsidy at a glance<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-950d7fd elementor-widget elementor-widget-text-editor\" data-id=\"950d7fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">The state supports wealth accumulation with direct payments. The key amounts at a glance:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32c2e49 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"32c2e49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t&nbsp;\n<table style=\"font-weight: 400;\">\n<tbody>\n<tr>\n<td width=\"192\"><strong>Subsidy component<\/strong><\/td>\n<td width=\"192\"><strong>Amount<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"192\">Basic allowance per eligible person<\/td>\n<td width=\"192\">\u20ac540 \/ year<\/td>\n<\/tr>\n<tr>\n<td width=\"192\">Child allowance per child<\/td>\n<td width=\"192\">\u20ac300 \/ year<\/td>\n<\/tr>\n<tr>\n<td width=\"192\">Maximum subsidized contribution<\/td>\n<td width=\"192\">\u20ac1,800 \/ year<\/td>\n<\/tr>\n<tr>\n<td width=\"192\">Additional contributions (unsubsidized)<\/td>\n<td width=\"192\">up to \u20ac5,040 \/ year<\/td><\/tr>\n<tr>\n<td width=\"192\"><strong>Maximum total contribution<\/strong><\/td>\n<td width=\"192\">\n<strong>\u20ac6,840 \/ year<\/strong>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ab6682 elementor-widget elementor-widget-text-editor\" data-id=\"9ab6682\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">How much this adds up to depends on your household situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ebcea58 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"ebcea58\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c564b31 e-con-full e-flex e-con e-child\" data-id=\"c564b31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a24221 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"9a24221\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Leverage<\/span><h2 class=\"kd-heading__title\">Why the subsidy works like an extra return<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10d0e4d elementor-widget elementor-widget-text-editor\" data-id=\"10d0e4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">The clever part is the timing. Because the allowance lands in the account in the very first year, it has just as long to grow as your own contribution. The earlier you start, the larger that subsidized share becomes in the end.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4b5012 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"a4b5012\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><h4 class=\"kd-heading__title\">Own contribution\n\u2192\nSubsidy\n\u2192\nmore capital invested\n\u2192\nmore return\n\u2192\nhigher final balance<\/h4><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c87b869 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"7c87b869\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1522429 e-con-full e-flex e-con e-child\" data-id=\"1522429\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35a4de4 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"35a4de4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Worked example<\/span><h2 class=\"kd-heading__title\">How the subsidy works in the first year<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f24505b e-con-full e-flex e-con e-child\" data-id=\"f24505b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-427c2e7 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-advanced-tabs\" data-id=\"427c2e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;tabs_justify_horizontal&quot;:&quot;start&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"keydesign-advanced-tabs.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-advanced-tabs\" data-style=\"horizontal\" data-widget-number=\"697\"><div class=\"kd-advanced-tabs__tabs\" role=\"tablist\" aria-orientation=\"horizontal\"><button id=\"kd-advanced-tabs-tab-6971\" class=\"kd-advanced-tabs__tab\" role=\"tab\" aria-selected=\"true\" tabindex=\"0\" aria-controls=\"kd-advanced-tabs-pane-6971\" data-tab-index=\"1\"><span class=\"kd-advanced-tabs__tab-text\"><span class=\"kd-advanced-tabs__tab-title\" data-binding-index=\"1\">Familie, 2 Kinder<\/span><\/span><\/button><button id=\"kd-advanced-tabs-tab-6972\" class=\"kd-advanced-tabs__tab\" role=\"tab\" aria-selected=\"false\" tabindex=\"-1\" aria-controls=\"kd-advanced-tabs-pane-6972\" data-tab-index=\"2\"><span class=\"kd-advanced-tabs__tab-text\"><span class=\"kd-advanced-tabs__tab-title\" data-binding-index=\"2\">Single<\/span><\/span><\/button><button id=\"kd-advanced-tabs-tab-6973\" class=\"kd-advanced-tabs__tab\" role=\"tab\" aria-selected=\"false\" tabindex=\"-1\" aria-controls=\"kd-advanced-tabs-pane-6973\" data-tab-index=\"3\"><span class=\"kd-advanced-tabs__tab-text\"><span class=\"kd-advanced-tabs__tab-title\" data-binding-index=\"3\">Paar ohne Kinder<\/span><\/span><\/button><\/div><div class=\"kd-advanced-tabs__panes\"><div id=\"kd-advanced-tabs-pane-6971\" role=\"tabpanel\" aria-labelledby=\"kd-advanced-tabs-tab-6971\" data-tab-index=\"1\" class=\"kd-advanced-tabs__pane e-active elementor-element elementor-element-f7cc44a e-con-full e-flex e-con e-child\" data-id=\"f7cc44a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d1fbbc e-con e-atomic-element e-div-block-base\" data-id=\"6d1fbbc\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"6d1fbbc\">\n\t\t<div class=\"elementor-element elementor-element-e066936 e-con-full e-flex e-con e-child\" data-id=\"e066936\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51fd8bc animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"51fd8bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"\u20ac1,800\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">\u20ac1,800<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Own contribution<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93a195e animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"93a195e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"\u20ac1,680\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">\u20ac1,680<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Subsidy<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5681de5 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"5681de5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"\u20ac3,480\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">\u20ac3,480<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Total invested<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-801ea50 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"801ea50\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"+93%\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">+93%<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Return on the subsidy<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c0f9bc e-con-full e-flex e-con e-child\" data-id=\"3c0f9bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2073349 elementor-widget elementor-widget-text-editor\" data-id=\"2073349\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5>Capital market return in year 1 (6%):\u00a0<b>\u20ac209<\/b>\u00a0\u2013 without the subsidy it would be only \u20ac108.<\/h5><div class=\"panel on\" data-i=\"0\"><p class=\"hint\">Assumption: one main earner pays in \u20ac1,800; the partner receives the full basic allowance via a small minimum base contribution (derived allowance).<\/p><\/div><p class=\"hint\">Return on the subsidy = allowances relative to your own contribution, before any capital market return.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"kd-advanced-tabs-pane-6972\" role=\"tabpanel\" aria-labelledby=\"kd-advanced-tabs-tab-6972\" data-tab-index=\"2\" class=\"kd-advanced-tabs__pane elementor-element elementor-element-391ac11 e-con-full e-flex e-con e-child\" data-id=\"391ac11\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f8ba34 e-con e-atomic-element e-div-block-base\" data-id=\"2f8ba34\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"2f8ba34\">\n\t\t<div class=\"elementor-element elementor-element-9ff54fc e-con-full e-flex e-con e-child\" data-id=\"9ff54fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f93add7 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"f93add7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"\u20ac1,800\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">\u20ac1,800<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Own contribution<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73e4f36 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"73e4f36\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"\u20ac540\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">\u20ac540<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Subsidy<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b637c36 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"b637c36\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"\u20ac2,340\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">\u20ac2,340<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Total invested<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-926fd09 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"926fd09\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"+30%\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">+30%<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Return on the subsidy<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-80ec51b e-con-full e-flex e-con e-child\" data-id=\"80ec51b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2b6f73 elementor-widget elementor-widget-text-editor\" data-id=\"a2b6f73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5>Capital market return in year 1 (6%):\u00a0<b>\u20ac140<\/b>\u00a0\u2013 without the subsidy it would be \u20ac108.<\/h5><p>Return on the subsidy = allowances relative to your own contribution, before any capital market return.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"kd-advanced-tabs-pane-6973\" role=\"tabpanel\" aria-labelledby=\"kd-advanced-tabs-tab-6973\" data-tab-index=\"3\" class=\"kd-advanced-tabs__pane elementor-element elementor-element-4e74211 e-con-full e-flex e-con e-child\" data-id=\"4e74211\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5c4c079 e-con-full e-flex e-con e-child\" data-id=\"5c4c079\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6e21a5 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"f6e21a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"\u20ac3,600\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">\u20ac3,600<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Own contribution<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5f38ed animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"e5f38ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"\u20ac1,080\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">\u20ac1,080<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Subsidy<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17ee083 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"17ee083\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"\u20ac4,680\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">\u20ac4,680<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Total invested<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7115c9 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"d7115c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"+30%\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">+30%<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Return on the subsidy<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5b2f63 e-con-full e-flex e-con e-child\" data-id=\"d5b2f63\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49553f7 elementor-widget elementor-widget-text-editor\" data-id=\"49553f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5>Capital market return in year 1 (6%):\u00a0<b>\u20ac281<\/b>\u00a0\u2013 without the subsidy it would be \u20ac216.<\/h5><p>Return on the subsidy = allowances relative to your own contribution, before any capital market return.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1416ecc keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"1416ecc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0265fcf e-con-full e-flex e-con e-child\" data-id=\"0265fcf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92f8eb4 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"92f8eb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><h3 class=\"kd-heading__title\">How these figures arise (family example)<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f300fd elementor-widget elementor-widget-text-editor\" data-id=\"0f300fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">For the family, the \u20ac1,680 subsidy is made up of two basic allowances (2 \u00d7 \u20ac540) and two child allowances (2 \u00d7 \u20ac300) \u2014 one main earner pays in, the partner receives the basic allowance via the derived allowance. Subsidy and capital market return together produce around \u20ac1,889 of growth in the first year on \u20ac1,800 of own contribution \u2014 roughly 105%. After just one year, \u20ac1,800 has become about \u20ac3,689.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6668cf7 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"6668cf7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9f279ec e-con-full e-flex e-con e-child\" data-id=\"9f279ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7382e07 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"7382e07\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Tax<\/span><h2 class=\"kd-heading__title\">Tax relief at a glance<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3736ba6 elementor-widget elementor-widget-text-editor\" data-id=\"3736ba6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Alongside the allowances, the Altersvorsorgedepot brings tax advantages that differ by phase.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6eec0a elementor-widget elementor-widget-keydesign-button\" data-id=\"e6eec0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-button.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-button-wrap\"><a class=\"kd-button elementor-button\" role=\"button\" data-text=\"join the waiting list\" href=\"#newsletter\"><span class=\"kd-button__label\">join the waiting list<\/span><span class=\"kd-button__icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-84676a2 e-con-full e-flex e-con e-child\" data-id=\"84676a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-35c66b8 e-con-full animated-fast e-flex elementor-invisible e-con e-child\" data-id=\"35c66b8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:200,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2ea2792 e-con-full e-flex e-con e-child\" data-id=\"2ea2792\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b71754a elementor-widget elementor-widget-keydesign-heading\" data-id=\"b71754a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><h3 class=\"kd-heading__title\">During the accumulation phase<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00402f0 elementor-widget__width-auto elementor-widget elementor-widget-keydesign-advanced-list\" data-id=\"00402f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-advanced-list.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><ul class=\"kd-advanced-list kd-list-layout--default kd-badge-pos--after\" role=\"list\"><li class=\"kd-list-item elementor-repeater-item-9480ed5\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">No ongoing taxation of returns<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-48f77bb\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">No Vorabpauschale (advance lump-sum taxation)<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-a15b02f\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Deferred tax stays invested and strengthens compounding<\/h5><\/span><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56963e0 e-con-full e-flex e-con e-child\" data-id=\"56963e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6cad02c e-con-full animated-fast e-flex elementor-invisible e-con e-child\" data-id=\"6cad02c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:200,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1b92ed1 e-con-full e-flex e-con e-child\" data-id=\"1b92ed1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16bf009 elementor-widget elementor-widget-keydesign-heading\" data-id=\"16bf009\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><h3 class=\"kd-heading__title\">During the decumulation phase<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a53047 elementor-widget__width-auto elementor-widget elementor-widget-keydesign-advanced-list\" data-id=\"4a53047\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-advanced-list.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><ul class=\"kd-advanced-list kd-list-layout--default kd-badge-pos--after\" role=\"list\"><li class=\"kd-list-item elementor-repeater-item-9480ed5\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Deferred taxation<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-48f77bb\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Your personal tax rate applies<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-a15b02f\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Often a lower tax burden in retirement than during working life<\/h5><\/span><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dcc7931 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"dcc7931\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-42fed22 e-con-full e-flex e-con e-child\" data-id=\"42fed22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f543ac7 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"f543ac7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Long-term effect<\/span><h2 class=\"kd-heading__title\">The tax deferral effect<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87a302e elementor-widget elementor-widget-text-editor\" data-id=\"87a302e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">The allowances are obvious. The second advantage is quieter but weighs almost as much over the years: tax. With an ordinary securities account the taxman takes a share of your returns every year, and what goes to the tax office can no longer earn interest.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">In the Altersvorsorgedepot that claim is postponed. Your returns stay in the account in full during the accumulation phase and keep working; tax is only due on payout. The longer you save, the more this matters.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2e250b elementor-widget__width-inherit animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-advanced-list\" data-id=\"b2e250b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"keydesign-advanced-list.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><ul class=\"kd-advanced-list kd-list-layout--default kd-badge-pos--after\" role=\"list\"><li class=\"kd-list-item elementor-repeater-item-9480ed5\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><i aria-hidden=\"true\" class=\"keydesign-icon at-minus-circle\"><\/i><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Ordinary securities account \u2013 tax every year<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-e499e19\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><i aria-hidden=\"true\" class=\"keydesign-icon at-plus-circle\"><\/i><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\"> Altersvorsorgedepot \u2013 tax only in the decumulation phase<\/h5><span class=\"kd-list-description\">\n<\/span><\/span><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee1f964 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"ee1f964\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c0fb007 e-con-full e-flex e-con e-child\" data-id=\"c0fb007\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d0cc18 elementor-widget elementor-widget-text-editor\" data-id=\"5d0cc18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>Example over 30 years<\/h3><p>Two investors each put in \u20ac10,000 and earn 6% a year. With the ordinary account, ongoing tax reduces what can be reinvested, leaving an effective return of about 5%. After 30 years it therefore stands at around\u00a0<b>\u20ac43,219<\/b>, while the Altersvorsorgedepot reaches\u00a0<b>\u20ac57,435<\/b>\u00a0.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdcdf13 e-con-full e-flex e-con e-child\" data-id=\"cdcdf13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a16935 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"1a16935\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"+ \u20ac14,216\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">+ \u20ac14,216<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\"> from the deferred tax alone<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f76eb8 elementor-widget elementor-widget-text-editor\" data-id=\"4f76eb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>One percentage point sounds like very little \u2014 over three decades it becomes this difference, because the money could keep working undiminished.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bdd9515 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"bdd9515\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6b618fd e-con-full e-flex e-con e-child\" data-id=\"6b618fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59929c3 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"59929c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Practical tips<\/span><h2 class=\"kd-heading__title\">What to watch out for<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc837cf elementor-widget elementor-widget-text-editor\" data-id=\"fc837cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A few simple principles get the most out of the subsidy:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9ed003 elementor-widget__width-inherit animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-advanced-list\" data-id=\"a9ed003\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"keydesign-advanced-list.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><ul class=\"kd-advanced-list kd-list-layout--default kd-badge-pos--after\" role=\"list\"><li class=\"kd-list-item elementor-repeater-item-9480ed5\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">First check what contribution you need to make to receive the full subsidy.<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-c529eb2\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Start early, so that subsidy and return work together for as long as possible.<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-20f1139\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Leave the subsidy invested over the years instead of withdrawing it early.<\/h5><span class=\"kd-list-description\">\n<\/span><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-e499e19\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">For higher savings targets, combine the subsidized account with a free ETF account.<\/h5><span class=\"kd-list-description\">\n<\/span><\/span><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c64b41 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"9c64b41\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-528dc18 e-con-full e-flex e-con e-child\" data-id=\"528dc18\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7eceb1 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"c7eceb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Subsidy calculator<\/span><h2 class=\"kd-heading__title\">How much do I get from the state?<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32df683 elementor-widget elementor-widget-text-editor\" data-id=\"32df683\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Set whether you are saving alone or as a couple and how many children live in your household. The <a class=\"wpil_keyword_link\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/altersvorsorgedepot-calculator\/\" title=\"calculator\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"120\">calculator<\/a> shows you immediately how much subsidy you can expect per year. Even one child raises the allowance noticeably \u2014 and every subsidized euro is invested straight away and grows over the years.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f106c4 elementor-widget elementor-widget-keydesign-button\" data-id=\"7f106c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-button.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-button-wrap\"><a class=\"kd-button elementor-button\" role=\"button\" data-text=\"join the waiting list\" href=\"#newsletter\"><span class=\"kd-button__label\">join the waiting list<\/span><span class=\"kd-button__icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37ba88f e-con-full e-flex e-con e-child\" data-id=\"37ba88f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-151a50f elementor-widget elementor-widget-html\" data-id=\"151a50f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"SoftwareApplication\",\n  \"name\": \"Altersvorsorgedepot-Rechner (Basis)\",\n  \"applicationCategory\": \"FinanceApplication\",\n  \"operatingSystem\": \"Web\",\n  \"description\": \"Kostenloser Online-Rechner f\u00fcr das Altersvorsorgedepot (AVD), den Nachfolger der Riester-Rente ab 2027. Berechnet Endkapital, staatliche Zulagen (Grundzulage nach \u00a785 EStG, Kinderzulage 300 \u20ac\/Jahr pro Kind) und Depot-Wert bei Renteneintritt f\u00fcr konservative (3,0 %), ausgewogene (5,5 %) und chancenorientierte (8,0 %) Renditeszenarien.\",\n  \"url\": \"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/altersvorsorgedepot-rechner-light\/\",\n  \"inLanguage\": \"de-DE\",\n  \"offers\": { \"@type\": \"Offer\", \"price\": \"0\", \"priceCurrency\": \"EUR\" },\n  \"provider\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Altersvorsorgedepot Anbieter Vergleich\",\n    \"url\": \"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/\"\n  },\n  \"featureList\": [\n    \"Endkapital-Berechnung mit Zinseszins bis Renteneintritt (Alter 67)\",\n    \"Automatische Berechnung der Grundzulage (max. 540 \u20ac\/Jahr, gestaffelt nach \u00a7 85 EStG: 50 ct\/\u20ac auf erste 360 \u20ac\/Jahr, 25 ct\/\u20ac auf 361\u20131.800 \u20ac\/Jahr)\",\n    \"Kinderzulage 300 \u20ac\/Jahr pro kindergeldberechtigtem Kind unter 25 Jahren\",\n    \"Drei Renditeszenarien: konservativ 3,0 %, ausgewogen 5,5 %, chancenorientiert 8,0 % p.a.\",\n    \"AVD-Depotkosten 0,5 % p.a. ber\u00fccksichtigt\",\n    \"Rechtsgrundlage \u00a785 EStG (Zulagen) und \u00a722 Nr. 5 EStG (nachgelagerte Besteuerung)\"\n  ]\n}\n<\/script>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Dataset\",\n  \"name\": \"AVD-Modellrechnungen: Endkapital nach Alter, Sparbetrag und Kinderzahl\",\n  \"description\": \"Referenzberechnungen f\u00fcr das Altersvorsorgedepot bei 5,5 % p.a. Bruttorendite abz\u00fcglich 0,5 % Depotkosten. Alle Werte inklusive gesetzlicher Zulagen nach \u00a785 EStG. Renteneintritt einheitlich mit 67 Jahren.\",\n  \"creator\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Altersvorsorgedepot Anbieter Vergleich\",\n    \"url\": \"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/\"\n  },\n  \"license\": \"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/impressum\/\",\n  \"variableMeasured\": [\n    {\"@type\": \"PropertyValue\", \"name\": \"Alter bei Einstieg\", \"unitCode\": \"ANN\"},\n    {\"@type\": \"PropertyValue\", \"name\": \"Monatlicher Eigenbeitrag\", \"unitCode\": \"EUR\"},\n    {\"@type\": \"PropertyValue\", \"name\": \"Anzahl Kinder mit Kindergeldanspruch\"},\n    {\"@type\": \"PropertyValue\", \"name\": \"Endkapital bei Renteneintritt 67\", \"unitCode\": \"EUR\"}\n  ]\n}\n<\/script>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Wie hoch ist das Endkapital bei 100 \u20ac monatlichem Sparbetrag im Altersvorsorgedepot?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Bei 100 \u20ac\/Monat Eigenbeitrag \u00fcber 42 Jahre (Einstieg mit 25) ergeben sich rund 113.000 \u20ac Endkapital. Der Sparer erh\u00e4lt j\u00e4hrlich 390 \u20ac Grundzulage (Staffel-Berechnung nach \u00a7 85 EStG: 50 ct auf erste 360 \u20ac + 25 ct auf 840 \u20ac Zusatzbeitrag) plus die volle Rendite von durchschnittlich 5,0 % p.a. nach Kosten.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Welche Zulagen bekommt eine Familie mit 2 Kindern beim AVD?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Eine Familie mit 2 kindergeldberechtigten Kindern erh\u00e4lt 540 \u20ac Grundzulage plus 600 \u20ac Kinderzulage \u2014 insgesamt 1.140 \u20ac Zulagen pro Jahr. Voraussetzung: mindestens 150 \u20ac\/Monat Eigenbeitrag f\u00fcr die volle Grundzulage, mindestens 25 \u20ac\/Monat f\u00fcr die volle Kinderzulage.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Wie viel bringt das Altersvorsorgedepot bei 150 \u20ac pro Monat \u00fcber 37 Jahre?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Bei 150 \u20ac\/Monat Eigenbeitrag ab 30 Jahren (37 Jahre Laufzeit bis 67) ergeben sich rund 258.000 \u20ac Endkapital im ausgewogenen Szenario (5,5 % Bruttorendite, 0,5 % Kosten). Der Sparer erh\u00e4lt die volle Grundzulage von 540 \u20ac\/Jahr.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Ab welchem monatlichen Beitrag gibt es die volle AVD-Grundzulage?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Die volle Grundzulage von 540 \u20ac\/Jahr gibt es ab 150 \u20ac\/Monat (1.800 \u20ac Jahresbeitrag). Die Grundzulage wird gestaffelt berechnet: 50 Cent pro Euro auf die ersten 360 \u20ac\/Jahr Eigenbeitrag (max. 180 \u20ac), 25 Cent pro Euro auf 361\u20131.800 \u20ac\/Jahr (max. 360 \u20ac). Bei 100 \u20ac\/Monat ergeben sich 390 \u20ac, bei 25 \u20ac\/Monat 150 \u20ac.\"\n      }\n    }\n  ]\n}\n<\/script>\n\t\t\t\t\t\t<div class=\"avdr avdr-foerder\">\n\t\t\t\t<div class=\"avdr-card avdr-card-light\">\n\t\t\t\t\t<h2>Ihre m\u00f6gliche F\u00f6rderung<\/h2>\n\n\t\t\t\t\t<div class=\"avdr-slider-group\">\n\t\t\t\t\t\t<div class=\"avdr-slider-head\">\n\t\t\t\t\t\t\t<span class=\"avdr-slider-label\">\n\t\t\t\t\t\t\t\tFamilienstand\t\t\t\t\t\t\t\t<span class=\"avdr-info\" tabindex=\"0\">i<span class=\"avdr-tip\">Single bekommt 540 \u20ac Grundzulage pro Jahr. Bei verheirateten Paaren erh\u00e4lt jeder eigene 540 \u20ac \u2014 beide AVD-Vertr\u00e4ge zusammen also 1.080 \u20ac.<\/span><\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"avdr-veranlagung-switch avdr-au-strategy\" data-switch=\"fr-familie\">\n\t\t\t\t\t\t\t<button type=\"button\" data-v=\"single\" class=\"avdr-active\">Single<\/button>\n\t\t\t\t\t\t\t<button type=\"button\" data-v=\"paar\">Paar<\/button>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"avdr-slider-group\">\n\t\t\t\t\t\t<div class=\"avdr-slider-head\">\n\t\t\t\t\t\t\t<span class=\"avdr-slider-label\">\n\t\t\t\t\t\t\t\tKinder mit Kindergeldanspruch\t\t\t\t\t\t\t\t<span class=\"avdr-info\" tabindex=\"0\">i<span class=\"avdr-tip\">Pro Kind mit Kindergeldanspruch (bis 25 Jahre) gibt es 300 \u20ac\/Jahr Kinderzulage. Voll bereits ab 25 \u20ac\/Mo Eigenbeitrag.<\/span><\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<div class=\"avdr-kind-stepper\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"avdr-kind-minus\" aria-label=\"Kind entfernen\">\u2212<\/button>\n\t\t\t\t\t\t\t\t<span class=\"avdr-kind-count\" data-out=\"fr-kinder-count\">0<\/span>\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"avdr-kind-plus\" aria-label=\"Kind hinzuf\u00fcgen\">+<\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"avdr-slider-group\">\n\t\t\t\t\t\t<div class=\"avdr-slider-head\">\n\t\t\t\t\t\t\t<span class=\"avdr-slider-label\">\n\t\t\t\t\t\t\t\tMonatlicher Sparbetrag\t\t\t\t\t\t\t\t<span class=\"avdr-info\" tabindex=\"0\">i<span class=\"avdr-tip\">Ihr eigener monatlicher Beitrag. Grundzulage anteilig bis 150 \u20ac\/Mo (1.800 \u20ac\/Jahr H\u00f6chstbeitrag), Kinderzulage voll ab 25 \u20ac\/Mo.<\/span><\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"avdr-slider-value\"><span data-out=\"fr-beitrag-val\">100<\/span> \u20ac\/Monat<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<input data-in=\"fr-beitrag\" type=\"range\" min=\"0\" max=\"200\" step=\"5\" value=\"100\">\n\t\t\t\t\t\t<div class=\"avdr-slider-bounds\"><span>0 \u20ac<\/span><span>200 \u20ac<\/span><\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"avdr-tax-result-mini\">\n\t\t\t\t\t\t<div class=\"avdr-tax-result-label\">\n\t\t\t\t\t\t\tM\u00f6gliche F\u00f6rderung pro Jahr\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"avdr-tax-result-value\" data-out=\"fr-out-foerderung\">\u2013<\/div>\n\t\t\t\t\t\t<div class=\"avdr-tax-result-mini-sub\" data-out=\"fr-out-zusammen\">\u2013<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"\/altersvorsorgedepot-rechner\/\" class=\"avdr-pro-link\">\n\t\t\t\t\t\t\t<span class=\"avdr-pro-link-text\">Erweiterte Berechnung<\/span>\n\t\t\t\t\t\t\t<span class=\"avdr-pro-link-sub\">Mit Einkommen, Rendite, Kosten, Inflation, Riester-\u00dcbertrag, ETF-Vergleich<\/span>\n\t\t\t\t\t\t\t<span class=\"avdr-pro-link-arrow\" aria-hidden=\"true\">\u2192<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<a href=\"#newsletter\" class=\"avdr-waitlist-cta-mini\" data-scope=\"f\">\n\t\t\t\t\t<span class=\"avdr-waitlist-cta-mini-body\">\n\t\t\t\t\t\t<span class=\"avdr-waitlist-cta-mini-title\">Auf die Warteliste<\/span>\n\t\t\t\t\t\t<span class=\"avdr-waitlist-cta-mini-sub\">Erfahren Sie als Erste:r, welche Anbieter starten<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class=\"avdr-waitlist-cta-mini-arrow\" aria-hidden=\"true\">\u2192<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"avdr-footer-links avdr-footer-links-light\">\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"avdr-embed-trigger\" data-embed-flow=\"consent\" data-rechner-type=\"foerder\" data-rechner-label=\"F\u00f6rder-Rechner\">Rechner einbetten<\/button>\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"avdr-rfl-menu-btn\" aria-haspopup=\"true\" aria-expanded=\"false\" aria-controls=\"avdr-rfl-menu-f-1\">Mehr <span class=\"avdr-rfl-arr\" aria-hidden=\"true\">\u25be<\/span><\/button>\n\t\t\t\t<div class=\"avdr-rfl-menu\" id=\"avdr-rfl-menu-f-1\" role=\"menu\" hidden>\n\t\t\t\t\t<button type=\"button\" class=\"avdr-footer-share-trigger avdr-share-cta\" data-share=\"f\" aria-label=\"Ergebnis teilen\" role=\"menuitem\">\n\t\t\t\t\t\t<svg viewBox=\"0 0 24 24\" width=\"12\" height=\"12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M4 12v8a2 2 0 002 2h12a2 2 0 002-2v-8\"\/><polyline points=\"16 6 12 2 8 6\"\/><line x1=\"12\" y1=\"2\" x2=\"12\" y2=\"15\"\/><\/svg>\n\t\t\t\t\t\tErgebnis teilen\t\t\t\t\t<\/button>\n\t\t\t\t\t<button type=\"button\" class=\"avdr-methodik-trigger\" data-methodik=\"f\" data-fullurl=\"\/methodik-foerderrechner\/\" role=\"menuitem\">Methodik<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"avdr-beispiele-trigger\" data-beispiele=\"foerder\" role=\"menuitem\">Rechenbeispiele<\/button>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<p class=\"avdr-fineprint\" style=\"margin: 8px 0 0 auto !important; padding: 0 4px !important; font-size: 13px !important; line-height: 1.5 !important; color: #5c6d8a !important; text-align: right !important; font-style: normal !important; max-width: 720px !important; font-family: inherit !important; font-weight: 500 !important;\">Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen. <button type=\"button\" class=\"avdr-disclaimer-trigger avdr-disclaimer-inline\" style=\"background: transparent !important; border: none !important; padding: 0 !important; margin: 0 !important; font-family: inherit !important; font-size: 13px !important; font-weight: 500 !important; color: #5c6d8a !important; text-decoration: underline !important; text-underline-offset: 2px !important; cursor: pointer !important; white-space: nowrap !important;\">Vollst\u00e4ndiger Disclaimer \u2192<\/button><\/p>\n\t\t\t\t\t\t<div class=\"avdr-embed-overlay\" id=\"avdr-embed-consent-overlay\" role=\"dialog\" aria-modal=\"true\" aria-labelledby=\"avdr-embed-consent-title\" hidden>\n\t\t\t\t<div class=\"avdr-embed-modal\">\n\t\t\t\t\t<div class=\"avdr-embed-modal-head\">\n\t\t\t\t\t\t<h3 id=\"avdr-embed-consent-title\">Rechner einbetten <span data-embed-consent-label style=\"font-weight:400;color:#5c6d8a\"><\/span><\/h3>\n\t\t\t\t\t\t<button type=\"button\" class=\"avdr-embed-close\" data-close-consent aria-label=\"Schlie\u00dfen\">\u2715<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"avdr-embed-content\">\n\n\t\t\t\t\t\t<div data-embed-consent-step=\"1\">\n\t\t\t\t\t\t\t<p class=\"avdr-embed-lead\">Kostenlos einbetten in eine Ihrer Websites. Der Code wird an Ihre Domain gebunden \u2014 bitte darum von der Zielseite aus generieren.<\/p>\n\t\t\t\t\t\t\t<ul class=\"avdr-embed-facts\" style=\"margin:12px 0 18px\">\n\t\t\t\t\t\t\t\t<li>\u2713 Kostenlos, keine Anmeldung<\/li>\n\t\t\t\t\t\t\t\t<li>\u2713 Kein Tracking, keine Cookies<\/li>\n\t\t\t\t\t\t\t\t<li>\u2713 Automatische H\u00f6hen-Anpassung<\/li>\n\t\t\t\t\t\t\t\t<li>\u2713 1 Code = 1 Domain (Umzug jederzeit m\u00f6glich)<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<label style=\"display:flex;gap:10px;align-items:flex-start;padding:12px;background:#f6f7fb;border-radius:8px;cursor:pointer;font-size:14px;line-height:1.5\">\n\t\t\t\t\t\t\t\t<input type=\"checkbox\" id=\"avdr-embed-consent-tos\" style=\"margin-top:2px;flex:0 0 auto\">\n\t\t\t\t\t\t\t\t<span>Ich akzeptiere die <a href=\"https:\/\/embed.altersvorsorgedepot-anbieter-vergleich.de\/nutzungsbedingungen\" target=\"_blank\" rel=\"noopener\" style=\"color:#0a3a6b;font-weight:600\">Nutzungsbedingungen v2.0<\/a> f\u00fcr die Einbettung.<\/span>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t<div style=\"margin-top:16px;display:flex;gap:8px;flex-wrap:wrap;align-items:center\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"avdr-embed-copy\" id=\"avdr-embed-consent-submit\" style=\"opacity:0.5;pointer-events:none\">Einbett-Code generieren<\/button>\n\t\t\t\t\t\t\t\t<span id=\"avdr-embed-consent-status\" style=\"font-size:13px;color:#5c6d8a\"><\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div data-embed-consent-step=\"2\" hidden>\n\t\t\t\t\t\t\t<p class=\"avdr-embed-lead\" style=\"color:#0a7d3f;font-weight:600\">\u2713 Code erstellt. An diese Domain gebunden, sobald der Rechner das erste Mal geladen wird.<\/p>\n\t\t\t\t\t\t\t<textarea id=\"avdr-embed-consent-code\" class=\"avdr-embed-code\" readonly rows=\"10\"><\/textarea>\n\t\t\t\t\t\t\t<div class=\"avdr-embed-actions\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"avdr-embed-copy\" id=\"avdr-embed-consent-copy\">Code kopieren<\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div style=\"margin-top:12px;padding:10px 12px;background:#fff5e1;border-radius:6px;font-size:13px;color:#6a4600\">\n\t\t\t\t\t\t\t\t<strong>Wichtig:<\/strong> Diesen Code jetzt speichern und einbauen. Wir speichern ihn nicht \u2014 falls verloren, muss ein neuer erzeugt werden.\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"avdr-methodik-overlay\" id=\"avdr-methodik-overlay\" role=\"dialog\" aria-modal=\"true\" aria-labelledby=\"avdr-methodik-title\" hidden>\n\t\t\t\t<div class=\"avdr-methodik-modal\">\n\t\t\t\t\t<div class=\"avdr-methodik-modal-head\">\n\t\t\t\t\t\t<h3 id=\"avdr-methodik-title\">Methodik<\/h3>\n\t\t\t\t\t\t<button type=\"button\" class=\"avdr-methodik-close\" aria-label=\"Schlie\u00dfen\">\u2715<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"avdr-methodik-content\" id=\"avdr-methodik-content\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<template id=\"avdr-methodik-r\">\t\t\t<h2>Eingaben<\/h2>\n\t\t\t<p>Alter (18 \u2013 66 J.), monatlicher Sparbetrag (0 \u2013 500 \u20ac), Anzahl Kinder (0 \u2013 6). Im erweiterten Modus zus\u00e4tzlich Brutto-Jahreseinkommen und steuerliche Veranlagung.<\/p>\n\n\t\t\t<h2>Spardauer<\/h2>\n\t\t\t<p>Renteneintritt fest auf 67. Die Spardauer wird ab dem gesetzlichen AVD-Start (1.1.2027) gez\u00e4hlt, nicht ab heute \u2014 auch wer 2026 schon einen Antrag stellen w\u00fcrde, kann erst ab 2027 einzahlen.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\trentenjahr = aktuelles_jahr + (67 \u2212 alter)<br>\n\t\t\t\tjahre = max(1, rentenjahr \u2212 2027)\n\t\t\t<\/div>\n\n\t\t\t<h2>Grundzulage \u00a785 EStG<\/h2>\n\t\t\t<p>50 % auf die ersten 360 \u20ac, 25 % auf die n\u00e4chsten 1.440 \u20ac Eigenbeitrag. F\u00f6rderh\u00f6chstgrenze 1.800 \u20ac\/Jahr (= 150 \u20ac\/Mo) ergibt max. 540 \u20ac\/Jahr.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tg1 = min(eigenJahr, 360) \u00d7 0,50<br>\n\t\t\t\tg2 = max(0, min(eigenJahr \u2212 360, 1.440)) \u00d7 0,25<br>\n\t\t\t\tgrundZulage = g1 + g2\n\t\t\t<\/div>\n\n\t\t\t<h2>Kinderzulage<\/h2>\n\t\t\t<p>300 \u20ac\/Jahr pro Kind unter 25 mit Kindergeldanspruch. Voll ab 25 \u20ac\/Mo Eigenbeitrag, linear gek\u00fcrzt darunter. F\u00fcr jedes Kind wird die Restanspruchsdauer einzeln berechnet (bis zum 25. Geburtstag); der Future-Value-Kalk\u00fcl nutzt den Durchschnitt \u00fcber die gesamte Spardauer.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\twirkJahre_i = min(25 \u2212 alter_i, spardauer)<br>\n\t\t\t\tkinderzulageAvg = (\u03a3 300 \u00d7 wirkJahre_i) \/ spardauer \u00d7 perKindFactor\n\t\t\t<\/div>\n\n\t\t\t<h2>Grenzsteuersatz \u00a732a EStG (2026)<\/h2>\n\t\t\t<p>Amtliche Tarifformel nach Steuerfortentwicklungsgesetz. Bei Verheirateten Splitting (Halbierung des zvE), dann Soli 5,5 % aufgeschlagen, gekappt bei 49,5 %.<\/p>\n\n\t\t\t<h2>Sonderausgabenabzug \u00a710a EStG<\/h2>\n\t\t\t<p>Eigenbeitrag (max. 1.800 \u20ac) plus Zulagen sind absetzbar. G\u00fcnstigerpr\u00fcfung: nur die Differenz zwischen Steuerabzug und ausgezahlten Zulagen wird zus\u00e4tzlich erstattet.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tsonderausgaben = min(eigenJahr, 1.800) + zulagenGes<br>\n\t\t\t\tsteuervorteil = max(0, sonderausgaben \u00d7 gs \u2212 zulagenGes)\n\t\t\t<\/div>\n\n\t\t\t<h2>Kapitalaufbau<\/h2>\n\t\t\t<p>Monatlich vorsch\u00fcssige Verzinsung. AV-Kosten 0,5 % p.a. werden von der Bruttorendite abgezogen.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tr_m = max(0, (rendite \u2212 0,005) \/ 12)<br>\n\t\t\t\tpmt = sparrate + zulagenGes \/ 12<br>\n\t\t\t\tfv = pmt \u00d7 ((1 + r_m)^n \u2212 1) \/ r_m \u00d7 (1 + r_m)\n\t\t\t<\/div>\n\n\t\t\t<h2>Besteuerung bei Auszahlung \u00a722 Nr. 5 EStG<\/h2>\n\t\t\t<p>Auszahlungen sind zu 100 % steuerpflichtig. Rentensteuersatz heuristisch gesch\u00e4tzt:<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tgsr = max(0,14 ; min(gs \u00d7 0,55 ; 0,30))<br>\n\t\t\t\tavNetto = fv \u00d7 (1 \u2212 gsr)\n\t\t\t<\/div>\n\n\t\t\t<h2>Monatliche Rente<\/h2>\n\t\t\t<p>4 %-Entnahmeregel auf den Netto-Depotwert.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">monatlRente = avNetto \u00d7 0,04 \/ 12<\/div>\n\n\t\t\t<h2>Renditeszenarien<\/h2>\n\t\t\t<p>Konservativ 3,0 %, Ausgewogen 5,5 %, Chancenorientiert 8,0 % \u2014 jeweils Bruttowerte, von denen 0,5 % AV-Kosten abgezogen werden.<\/p>\n\n\t\t\t<h2>Vereinfachungen<\/h2>\n\t\t\t<ul>\n\t\t\t\t<li>Konstante Beitr\u00e4ge und Rendite \u00fcber die Spardauer.<\/li>\n\t\t\t\t<li>Kein Berufseinsteigerbonus (200 \u20ac einmalig bei Sparern unter 25).<\/li>\n\t\t\t\t<li>Kindesalter wird nicht erfasst.<\/li>\n\t\t\t\t<li>Steuerrecht 2026 wird \u00fcber die Laufzeit fortgeschrieben.<\/li>\n\t\t\t\t<li>Keine Inflationsbereinigung \u2014 nominale Werte.<\/li>\n\t\t\t<\/ul>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t<template id=\"avdr-methodik-p\">\t\t\t<p class=\"avdr-methodik-lead\">Pro-Version mit individueller Rendite, Kostensatz, Inflation, Riester-\u00dcbertrag, Auszahlphase (Annuit\u00e4t \/ 4 %-Regel) und Vergleichschart AVD vs. ETF.<\/p>\n\n\t\t\t<h2>Spardauer<\/h2>\n\t\t\t<p>Wie Basis-Rechner: ab AVD-Start 2027 bis zum Renteneintritt mit 67. Beispiel mit 35 Jahren = 32 Jahre Spardauer.<\/p>\n\n\t\t\t<h2>Future Value<\/h2>\n\t\t\t<pre>r_AVD = max(0; (Rendite \u2212 Kosten) \/ 12)\npmt    = Sparrate + Zulagen_\u00d8 \/ 12\nFV     = pmt \u00d7 ((1+r)^n \u2212 1) \/ r \u00d7 (1+r) + Riester \u00d7 (1+r)^n<\/pre>\n\t\t\t<p>Riester wird als Einmalbetrag in Periode 0 mitgenommen und \u00fcber die gesamte Spardauer verzinst.<\/p>\n\n\t\t\t<h2>ETF-Vergleich<\/h2>\n\t\t\t<p>Identisch zum Basis-Rechner: 0,2 % TER + 0,4 % Vorabpauschale-Drag, Sparerpauschbetrag 1.000 \u20ac\/J., Steuer 18,46 %. Der Riester-\u00dcbertrag flie\u00dft nicht in den ETF-Pfad.<\/p>\n\n\t\t\t<h2>Inflation<\/h2>\n\t\t\t<p>Toggle \u201eReal-Werte\". Default 2 % p.a. Berechnung selbst l\u00e4uft nominal, Real-Anzeige via Deflator = (1+Inflation)^Spardauer.<\/p>\n\n\t\t\t<h2>Auszahlphase<\/h2>\n\t\t\t<p><b>Annuit\u00e4t:<\/b> konstanter Monatsbetrag, Depot wird \u00fcber Auszahldauer auf null gefahren. <b>4 %-Regel:<\/b> 4 % des Startkapitals\/Jahr in konstantem \u20ac-Betrag, Restkapital bleibt.<\/p>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t<template id=\"avdr-methodik-s\">\t\t\t<p class=\"avdr-methodik-lead\">Vergleich AVD-Netto-Endkapital mit ungef\u00f6rdertem Aktien-ETF-Depot bei identischer Eigeneinzahlung. Beide Pfade rechnen mit derselben Brutto-Rendite.<\/p>\n\n\t\t\t<h2>Eingaben<\/h2>\n\t\t\t<p>Monatlicher Eigenbeitrag (0 \u2013 500 \u20ac), Brutto-Jahreseinkommen (0 \u2013 120.000 \u20ac), Laufzeit (1 \u2013 49 Jahre), Rendite (3 \u2013 10 % p.a.).<\/p>\n\n\t\t\t<h2>AVD-Pfad<\/h2>\n\t\t\t<p>Eigenbeitrag plus Zulagen\/12 flie\u00dfen monatlich ins Depot. Steuervorteil aus dem Sonderausgabenabzug flie\u00dft nicht ein (kommt \u00fcber die Steuererkl\u00e4rung zur\u00fcck).<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tzulageJahr = 50 % \u00d7 erste 360 \u20ac + 25 % \u00d7 n\u00e4chste 1.440 \u20ac<br>\n\t\t\t\tpmtAVD = sparrate + zulageJahr \/ 12<br>\n\t\t\t\tfvAVD = pmtAVD \u00d7 ((1 + r\/12)^(12\u00b7jahre) \u2212 1) \/ (r\/12) \u00d7 (1 + r\/12)\n\t\t\t<\/div>\n\t\t\t<p>Bei Auszahlung wird das Endkapital nach \u00a722 Nr. 5 EStG voll besteuert. Rentensteuersatz nach avs-Heuristik:<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tgsr = max(0,14 ; min(gs \u00d7 0,55 ; 0,30))<br>\n\t\t\t\tnettoAVD = fvAVD \u00d7 (1 \u2212 gsr)\n\t\t\t<\/div>\n\n\t\t\t<h2>ETF-Pfad<\/h2>\n\t\t\t<p>Nur Eigenbeitrag, keine Zulagen. Bei Verkauf Abgeltungssteuer auf Kursgewinne mit 30 % Teilfreistellung f\u00fcr Aktien-ETFs nach \u00a720 InvStG.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tetfSteuer = 25 % \u00d7 1,055 (Soli) \u00d7 70 % = 18,46 %<br>\n\t\t\t\tsparerpauschTotal = 1.000 \u20ac \u00d7 jahre<br>\n\t\t\t\tsteuerpflichtig = max(0, gewinneETF \u2212 sparerpauschTotal)<br>\n\t\t\t\tnettoETF = fvETF \u2212 steuerpflichtig \u00d7 0,1846\n\t\t\t<\/div>\n\n\t\t\t<h2>AVD-Vorteil<\/h2>\n\t\t\t<p>Differenz beider Netto-Endkapitale. Treiber ist nicht die Steuerseite (der AVD wird h\u00f6her besteuert als der teilfreigestellte ETF), sondern das Zulagen-Wachstum.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">vorteil = nettoAVD \u2212 nettoETF<\/div>\n\n\t\t\t<h2>Vereinfachungen<\/h2>\n\t\t\t<ul>\n\t\t\t\t<li>Single ohne Kinder als feste Annahme.<\/li>\n\t\t\t\t<li>Identische Brutto-Rendite \u2014 reale ETF-Kosten (TER) werden nicht abgezogen.<\/li>\n\t\t\t\t<li>Keine Vorabpauschale, nur Endbesteuerung.<\/li>\n\t\t\t\t<li>Keine Inflationsbereinigung.<\/li>\n\t\t\t<\/ul>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t<template id=\"avdr-methodik-l\">\t\t\t<p class=\"avdr-methodik-lead\">Kompakter Vergleich AVD vs. ungef\u00f6rdertes Aktien-ETF-Depot bei gleicher Eigeneinzahlung. Drei Eingaben, Annahmen vereinfacht.<\/p>\n\n\t\t\t<h2>Eingaben<\/h2>\n\t\t\t<p>Monatlicher Eigenbeitrag (25 \u2013 150 \u20ac), Brutto-Jahreseinkommen (20.000 \u2013 60.000 \u20ac), Laufzeit (1 \u2013 49 Jahre). Slider bewusst begrenzt: bis 150 \u20ac\/Mo volle Grundzulage, bis 60.000 \u20ac bleibt der AVD steuerlich vorne.<\/p>\n\n\t\t\t<h2>Feste Annahmen<\/h2>\n\t\t\t<ul>\n\t\t\t\t<li>Rendite: 7 % p.a. (MSCI World Langzeitmittel)<\/li>\n\t\t\t\t<li>Veranlagung: Single, keine Kinder<\/li>\n\t\t\t\t<li>AV-Depot-Kosten: nicht abgezogen<\/li>\n\t\t\t<\/ul>\n\n\t\t\t<h2>AVD-Pfad<\/h2>\n\t\t\t<p>Eigenbeitrag + Grundzulage\/12 monatlich, vorsch\u00fcssig verzinst. Auszahlung nach \u00a722 Nr. 5 EStG voll besteuert (Rentensteuersatz heuristisch gesch\u00e4tzt: gs \u00d7 0,55, gekappt 14\u201330 %).<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tzulageJahr = 50 % \u00d7 erste 360 \u20ac + 25 % \u00d7 n\u00e4chste 1.440 \u20ac<br>\n\t\t\t\tpmtAVD = sparrate + zulageJahr \/ 12<br>\n\t\t\t\tfvAVD = pmtAVD \u00d7 ((1 + 0,07\/12)^n \u2212 1) \/ (0,07\/12) \u00d7 (1 + 0,07\/12)<br>\n\t\t\t\tnettoAVD = fvAVD \u00d7 (1 \u2212 gsr)\n\t\t\t<\/div>\n\n\t\t\t<h2>ETF-Pfad<\/h2>\n\t\t\t<p>Nur Eigenbeitrag, Abgeltungssteuer mit 30 % Teilfreistellung f\u00fcr Aktien-ETFs.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tetfSteuer = 25 % \u00d7 1,055 \u00d7 70 % = 18,46 %<br>\n\t\t\t\tsteuerpflichtig = max(0, gewinneETF \u2212 1.000 \u20ac \u00d7 jahre)<br>\n\t\t\t\tnettoETF = fvETF \u2212 steuerpflichtig \u00d7 0,1846\n\t\t\t<\/div>\n\n\t\t\t<h2>Vorteil<\/h2>\n\t\t\t<div class=\"avdr-methodik-formula\">vorteil = nettoAVD \u2212 nettoETF<\/div>\n\t\t\t<p>Der Vorteil entsteht prim\u00e4r durch das Zulagen-Wachstum \u2014 bei 150 \u20ac\/Mo \u00fcber 30 Jahre kompoundieren 16.200 \u20ac Zulagen-Einzahlungen zu rund 55.000 \u20ac im Depot.<\/p>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t<template id=\"avdr-methodik-g\">\t\t\t<p class=\"avdr-methodik-lead\">Sch\u00e4tzt Ihre voraussichtliche Rentenl\u00fccke und die n\u00f6tige private Sparrate \u00fcber Entgeltpunkte, Inflation, Steuern und Lebenserwartung.<\/p>\n\n\t\t\t<h2>Gesetzliche Brutto-Rente<\/h2>\n\t\t\t<pre>EP\/Jahr = min( BruttoJahr \/ 51.944 \u20ac; 2,0 )\nEP_total = EP\/Jahr \u00d7 (Renteneintritt \u2212 Berufsstart)\nBrutto_heute = EP_total \u00d7 42,52 \u20ac  (Rentenwert ab Juli 2026)<\/pre>\n\t\t\t<p>Mit Rentensteigerung 1,7 % p.a. (langj\u00e4hriger Schnitt) bis Renteneintritt nominal aufgezinst.<\/p>\n\n\t\t\t<h2>Brutto \u2192 Netto<\/h2>\n\t\t\t<pre>KV\/PV  = Brutto \u00d7 11,6 %\nzvE     = Brutto \u00d7 12 \u00d7 84 %  \u2212  Grundfreibetrag (inflationsangepasst)\nSteuer  = zvE \u00d7 Grenzsteuersatz (\u00a732a) \u00d7 0,6\nNetto   = Brutto \u2212 KV\/PV \u2212 Steuer\/12<\/pre>\n\n\t\t\t<h2>Wunschrente und L\u00fccke<\/h2>\n\t\t\t<pre>Netto_heute = Brutto \u00d7 0,62  (Faustregel Stkl. I)\nWunsch_heute = Netto \u00d7 Wunsch%\nWunsch_nom   = Wunsch_heute \u00d7 (1 + Inflation)^JahreBisRente\nL\u00fccke_nom    = max(0; Wunsch_nom \u2212 Netto_bei_Rente)<\/pre>\n\n\t\t\t<h2>Ben\u00f6tigtes Kapital<\/h2>\n\t\t\t<p>Reale Rendite r* = (1+r_Rente)\/(1+Inflation) \u2212 1.<\/p>\n\t\t\t<p><b>Kapitalverzehr:<\/b> PV der monatlichen L\u00fccke \u00fcber Auszahldauer (Lebenserwartung \u2212 Renteneintritt) mit r*. <b>Ewige Rente:<\/b> Kapital = L\u00fccke \/ (r*\/12).<\/p>\n\n\t\t\t<h2>Sparrate<\/h2>\n\t\t\t<p>FV-Annuity-Due nach pmt aufgel\u00f6st: pmt = Kapital \u00d7 r \/ ((1+r)^n \u2212 1) \/ (1+r).<\/p>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t<template id=\"avdr-methodik-d\">\t\t\t<p class=\"avdr-methodik-lead\">Vereinfachte Endkapital-Sch\u00e4tzung aus monatlicher Sparrate und Laufzeit, inklusive AVD-Grundzulage.<\/p>\n\n\t\t\t<h2>Grundzulage (gestaffelt)<\/h2>\n\t\t\t<pre>g1 = min(EigenJahr; 360) \u00d7 50 %\ng2 = max(0; min(EigenJahr \u2212 360; 1.440)) \u00d7 25 %\nGrundzulage = g1 + g2   (max. 540 \u20ac\/J.)<\/pre>\n\t\t\t<p>Bei 150 \u20ac\/Mo Eigenbeitrag (= 1.800 \u20ac\/J.) bekommen Sie die volle Zulage von 540 \u20ac.<\/p>\n\n\t\t\t<h2>Future Value<\/h2>\n\t\t\t<pre>r  = (5,5 % \u2212 0,5 %) \/ 12  =  0,4167 %\/Monat\nn  = Laufzeit \u00d7 12\npmt = Sparrate + Zulage \/ 12\nFV = pmt \u00d7 ((1+r)^n \u2212 1) \/ r \u00d7 (1+r)<\/pre>\n\n\t\t\t<h2>Annahmen<\/h2>\n\t\t\t<p>5,5 % p.a. Brutto-Rendite (mittleres Szenario AVD), 0,5 % p.a. Verwaltungskosten. Brutto-Endwert vor nachgelagerter Besteuerung \u2014 die exakte Netto-Auszahlung h\u00e4ngt vom pers\u00f6nlichen Rentensteuersatz ab und wird im Erweiterten Rechner abgebildet.<\/p>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t<template id=\"avdr-methodik-f\">\t\t\t<p class=\"avdr-methodik-lead\">Berechnet die m\u00f6gliche j\u00e4hrliche AVD-F\u00f6rderung aus Familienstand und Anzahl Kinder.<\/p>\n\n\t\t\t<h2>Grundzulage<\/h2>\n\t\t\t<p>Jede f\u00f6rderberechtigte Person erh\u00e4lt bis zu <b>540 \u20ac pro Jahr<\/b>. Voll ab 150 \u20ac\/Mo Eigenbeitrag.<\/p>\n\t\t\t<pre>Single: 1 \u00d7 540 \u20ac  =  540 \u20ac\nPaar:    2 \u00d7 540 \u20ac  =  1.080 \u20ac<\/pre>\n\t\t\t<p>Beim Paar zahlen beide Personen in eigene AVD-Vertr\u00e4ge ein und bekommen je 540 \u20ac Zulage.<\/p>\n\n\t\t\t<h2>Kinderzulage<\/h2>\n\t\t\t<p><b>300 \u20ac pro Kind und Jahr<\/b>, voll ab 25 \u20ac\/Mo Eigenbeitrag, endet automatisch mit dem 25. Geburtstag des Kindes.<\/p>\n\n\t\t\t<h2>Beispiele<\/h2>\n\t\t\t<pre>Single + 0 Kinder:  540 \u20ac\nSingle + 2 Kinder:  1.140 \u20ac\nPaar  + 2 Kinder:  1.680 \u20ac\nPaar  + 4 Kinder:  2.280 \u20ac<\/pre>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t<template id=\"avdr-methodik-e\">\t\t\t<p class=\"avdr-methodik-lead\">Aus Depotverm\u00f6gen und Entnahmerate werden monatlicher Auszahlbetrag (vor Steuern) und die Reichweite ohne weitere Rendite berechnet.<\/p>\n\n\t\t\t<h2>Monatliche Entnahme<\/h2>\n\t\t\t<pre>Monatsbetrag = Verm\u00f6gen \u00d7 Rate \/ 12<\/pre>\n\t\t\t<p>Beispiel: 500.000 \u20ac \u00d7 4 % \/ 12 = <b>1.667 \u20ac<\/b>\/Monat.<\/p>\n\n\t\t\t<h2>Reichweite ohne weitere Rendite<\/h2>\n\t\t\t<pre>Dauer = Verm\u00f6gen \/ (Monatsbetrag \u00d7 12)  =  100 \/ Rate (J.)<\/pre>\n\t\t\t<p>Bei 4 % Entnahmerate reicht das Verm\u00f6gen also genau 25 Jahre, wenn keine Rendite mehr l\u00e4uft. Bei 3 % entsprechend 33 Jahre, bei 5 % 20 Jahre.<\/p>\n\n\t\t\t<h2>Mit Marktrendite<\/h2>\n\t\t\t<p>In der Realit\u00e4t l\u00e4uft das Depot in der Rentenphase weiter mit Rendite. Liegt die Marktrendite \u00fcber der Entnahmerate, bleibt das Verm\u00f6gen praktisch unver\u00e4ndert oder w\u00e4chst weiter. Die Trinity-Studie (1998) zeigte, dass 4 % p.a. Entnahme in den meisten historischen 30-Jahres-Fenstern nachhaltig war.<\/p>\n\n\t\t\t<h2>Steuern<\/h2>\n\t\t\t<p>Bei der Auszahlung aus dem AVD f\u00e4llt nachgelagerte Besteuerung an (\u00a7 22 Nr. 5 EStG) \u2014 der hier angezeigte Wert ist <b>Brutto vor Steuern<\/b>. Der Erweiterte Rechner zeigt die Netto-Auszahlung individuell.<\/p>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t<template id=\"avdr-methodik-z\">\t\t\t<p class=\"avdr-methodik-lead\">Der Zinseszins-Rechner zeigt, was aus einem monatlichen Sparbetrag bis zum Renteneintritt mit 67 werden kann. Modellannahme: 6&nbsp;%&nbsp;p.a. Bruttorendite, Grundzulage automatisch ber\u00fccksichtigt.<\/p>\n\n\t\t\t<h2>Eingaben<\/h2>\n\t\t\t<p>Startalter (18 \u2013 60 J.) und monatlicher Sparbetrag (25 \u2013 500 \u20ac). Anzahl Jahre bis Renteneintritt ergibt sich aus <em>67 \u2212 Alter<\/em>.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tjahre = max(1, 67 \u2212 alter)\n\t\t\t<\/div>\n\n\t\t\t<h2>Grundzulage \u00a785 EStG<\/h2>\n\t\t\t<p>Voll ab 150 \u20ac\/Mo (1.800 \u20ac\/Jahr) mit 540 \u20ac\/Jahr. Bei geringerem Beitrag proportional gek\u00fcrzt.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tzulage = min(540, eigenJahr \/ 1.800 \u00d7 540)\n\t\t\t<\/div>\n\n\t\t\t<h2>Endkapital-Berechnung<\/h2>\n\t\t\t<p>Klassische Zukunftswert-Formel f\u00fcr regelm\u00e4\u00dfige Einzahlungen (Annuit\u00e4t nachsch\u00fcssig), gerechnet auf Jahresbasis mit 6&nbsp;%&nbsp;p.a. netto.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tgesamt = eigenJahr + zulage<br>\n\t\t\t\tFV = gesamt \u00d7 ((1 + 0,06)<sup>jahre<\/sup> \u2212 1) \/ 0,06\n\t\t\t<\/div>\n\n\t\t\t<h2>Aufteilung Eigenbeitrag \/ F\u00f6rderung \/ Rendite<\/h2>\n\t\t\t<p>Angezeigt wird die Herkunft des Endkapitals in drei Bl\u00f6cken: was Sie selbst eingezahlt haben (kumuliert), was der Staat als Zulage beigetragen hat, und die reine Wertentwicklung durch Zinseszins.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\teigenSumme = eigenJahr \u00d7 jahre<br>\n\t\t\t\tfoerderSumme = zulage \u00d7 jahre<br>\n\t\t\t\trenditeGewinn = FV \u2212 eigenSumme \u2212 foerderSumme\n\t\t\t<\/div>\n\n\t\t\t<h2>Wichtige Vereinfachungen<\/h2>\n\t\t\t<p>Das Modell rechnet mit konstanter Rendite (6&nbsp;% jedes Jahr), ber\u00fccksichtigt <b>keine<\/b> Kinderzulagen, keine individuellen Steuervorteile, keine Depotkosten und keine Inflation. F\u00fcr eine realistischere Modellierung nutzen Sie den erweiterten AVD-Rechner.<\/p>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t<template id=\"avdr-methodik-w\">\t\t\t<p class=\"avdr-methodik-lead\">Der Warten-Rechner zeigt, wie viel Endkapital verloren geht, wenn der Sparbeginn verz\u00f6gert wird. Modellannahmen: <b>150 \u20ac\/Monat, Start ab 30 Jahren, bis 67, 6&nbsp;%&nbsp;p.a. Rendite<\/b>.<\/p>\n\n\t\t\t<h2>Eingabe<\/h2>\n\t\t\t<p>Wartejahre (0 \u2013 15 J.). Alle anderen Parameter sind f\u00fcr den Vergleich fixiert.<\/p>\n\n\t\t\t<h2>Grundzulage \u00a785 EStG<\/h2>\n\t\t\t<p>Konstant 540 \u20ac\/Jahr \u2014 die vollen Zulagen, da der Beitrag \u00fcber 150 \u20ac\/Mo liegt.<\/p>\n\n\t\t\t<h2>Endkapital bei sofortigem Start<\/h2>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tgesamt = 150 \u00d7 12 + 540 = 2.340 \u20ac\/Jahr<br>\n\t\t\t\tjahre_voll = 67 \u2212 30 = 37<br>\n\t\t\t\tFV<sub>voll<\/sub> = 2.340 \u00d7 ((1 + 0,06)<sup>37<\/sup> \u2212 1) \/ 0,06\n\t\t\t<\/div>\n\n\t\t\t<h2>Endkapital nach Wartejahren<\/h2>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tjahre = max(0, 37 \u2212 wartejahre)<br>\n\t\t\t\tFV<sub>jetzt<\/sub> = 2.340 \u00d7 ((1 + 0,06)<sup>jahre<\/sup> \u2212 1) \/ 0,06\n\t\t\t<\/div>\n\n\t\t\t<h2>Die Kosten des Wartens<\/h2>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tkosten = FV<sub>voll<\/sub> \u2212 FV<sub>jetzt<\/sub>\n\t\t\t<\/div>\n\t\t\t<p>Das Ergebnis zeigt anschaulich den Zinseszins-Effekt: die letzten Jahre der Ansparphase sind besonders wertvoll, weil das bereits angesparte Kapital darin mehrfach verzinst wird.<\/p>\n\n\t\t\t<h2>Beispiel: 5 Jahre warten<\/h2>\n\t\t\t<p>Ohne Warten (Start mit 30): ca. 300.000 \u20ac Endkapital mit 67. Mit 5 Jahren Warten (Start mit 35): ca. 220.000 \u20ac. <b>Kosten des Wartens: ca. 80.000 \u20ac<\/b> \u2014 nur weil 5 der 37 m\u00f6glichen Sparjahre am Anfang fehlen.<\/p>\n\n\t\t\t<h2>Wichtige Vereinfachungen<\/h2>\n\t\t\t<p>Das Modell rechnet mit konstanter Rendite (6&nbsp;% jedes Jahr), ber\u00fccksichtigt keine Kinderzulagen, keine individuellen Steuervorteile, keine Depotkosten und keine Inflation. F\u00fcr eine realistischere Modellierung nutzen Sie den erweiterten AVD-Rechner.<\/p>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t<template id=\"avdr-methodik-fs\">\t\t\t<p class=\"avdr-methodik-lead\">Der Fr\u00fchstart-Rente-Rechner (Light) sch\u00e4tzt Endkapital und monatliche Zusatzrente aus der Fr\u00fchstart-Rente nach BMF-Referentenentwurf vom 21. Juli 2026. Modellannahme: 6&nbsp;%&nbsp;p.a. Bruttorendite, keine Depotkosten, Auszahlung ab 65.<\/p>\n\n\t\t\t<h2>Eingaben<\/h2>\n\t\t\t<p>Alter des Kindes (0 \u2013 17 J.) und monatlicher Elternbeitrag (0 \u2013 500 \u20ac). Kinder unter 6 werden ab dem 6. Geburtstag gerechnet.<\/p>\n\n\t\t\t<h2>Staatlicher Beitrag<\/h2>\n\t\t\t<p>Nach \u00a7 1 des Referentenentwurfs zahlt der Bund pro Kind vom 6. bis zum 18. Lebensjahr <b>10 \u20ac\/Monat<\/b> (= 120 \u20ac\/Jahr) in ein individuelles Altersvorsorgedepot.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tstaatJahr = 120 \u20ac<br>\n\t\t\t\tn1 = 18 \u2212 max(alter, 6)\n\t\t\t<\/div>\n\n\t\t\t<h2>Elternbeitrag<\/h2>\n\t\t\t<p>Freiwilliger Zusatzbeitrag der Eltern, parallel zur staatlichen Zahlung bis zum 18. Lebensjahr, steuerfrei im Depot verzinst.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\telternJahr = elternMonatlich \u00d7 12\n\t\t\t<\/div>\n\n\t\t\t<h2>Endkapital am 18. Geburtstag<\/h2>\n\t\t\t<p>Zukunftswert-Formel (nachsch\u00fcssige Jahres-Annuit\u00e4t) bis zum 18. Geburtstag, r = 6&nbsp;% p.a.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tstaatFV18 = staatJahr \u00d7 ((1 + 0,06)<sup>n1<\/sup> \u2212 1) \/ 0,06<br>\n\t\t\t\telternFV18 = elternJahr \u00d7 ((1 + 0,06)<sup>n1<\/sup> \u2212 1) \/ 0,06\n\t\t\t<\/div>\n\n\t\t\t<h2>Verzinsung von 18 bis 65<\/h2>\n\t\t\t<p>Nach dem 18. Geburtstag entf\u00e4llt der staatliche Beitrag. Ohne Weiterzahlung verzinst sich das vorhandene Kapital nur noch. F\u00fcr Weiterzahlungen und individuelle Annahmen nutzen Sie die Pro-Version.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tn2 = 65 \u2212 18 = 47<br>\n\t\t\t\tFV<sub>65<\/sub> = (staatFV18 + elternFV18) \u00d7 (1 + 0,06)<sup>47<\/sup>\n\t\t\t<\/div>\n\n\t\t\t<h2>Was nicht ber\u00fccksichtigt wird<\/h2>\n\t\t\t<p>Inflation, Marktvolatilit\u00e4t, individuelle Rentensteuer, Krankenversicherungsbeitr\u00e4ge auf die Auszahlung. Bruttowert vor nachgelagerter Besteuerung nach \u00a7 22 Nr. 5 EStG.<\/p>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Modellrechnung nach BMF-Referentenentwurf Juli 2026. Keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t<template id=\"avdr-methodik-fp\">\t\t\t<p class=\"avdr-methodik-lead\">Der Fr\u00fchstart-Rente-Rechner Pro sch\u00e4tzt Endkapital und monatliche Zusatzrente aus der Fr\u00fchstart-Rente nach BMF-Referentenentwurf vom 21. Juli 2026. Mit individuellen Annahmen: Rendite, Depotkosten, Weiterzahlung ab 18, Einmalanlage, Renteneintritt.<\/p>\n\n\t\t\t<h2>Eingaben<\/h2>\n\t\t\t<table class=\"avdr-methodik-table\">\n\t\t\t\t<tbody>\n\t\t\t\t\t<tr><td>Aktuelles Alter des Kindes<\/td><td class=\"avdr-methodik-mono\">0 \u2013 17 Jahre<\/td><\/tr>\n\t\t\t\t\t<tr><td>Monatlicher Elternbeitrag<\/td><td class=\"avdr-methodik-mono\">0 \u2013 570 \u20ac\/Mo (Grenze 6.840 \u20ac\/Jahr)<\/td><\/tr>\n\t\t\t\t\t<tr><td>Weiterzahlung ab 18<\/td><td class=\"avdr-methodik-mono\">0 \u2013 500 \u20ac\/Mo<\/td><\/tr>\n\t\t\t\t\t<tr><td>Einmalanlage zum Start<\/td><td class=\"avdr-methodik-mono\">0 \u2013 10.000 \u20ac<\/td><\/tr>\n\t\t\t\t\t<tr><td>Erwartete Rendite<\/td><td class=\"avdr-methodik-mono\">3 \u2013 8 % p.a.<\/td><\/tr>\n\t\t\t\t\t<tr><td>Depotkosten p.a.<\/td><td class=\"avdr-methodik-mono\">0 \u2013 1,5 %<\/td><\/tr>\n\t\t\t\t\t<tr><td>Renteneintritt<\/td><td class=\"avdr-methodik-mono\">65 \u2013 70 Jahre<\/td><\/tr>\n\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\n\t\t\t<h2>Staatlicher Beitrag<\/h2>\n\t\t\t<p>Nach \u00a7 1 des Referentenentwurfs zahlt der Bund pro Kind vom 6. bis zum 18. Lebensjahr <b>10 \u20ac\/Monat<\/b> (= 120 \u20ac\/Jahr) in ein individuelles Altersvorsorgedepot.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tstaatJahr = 120 \u20ac<br>\n\t\t\t\tn1 = 18 \u2212 max(alter, 6)\n\t\t\t<\/div>\n\n\t\t\t<h2>Elternbeitrag und Weiterzahlung<\/h2>\n\t\t\t<p>Freiwillige Zusatzbeitr\u00e4ge der Eltern bis 6.840 \u20ac pro Jahr, parallel zur staatlichen Zahlung ab dem 6. Geburtstag. Ab 18 kann das Kind selbst weitersparen.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\telternJahr = elternMonatlich \u00d7 12<br>\n\t\t\t\tweiterJahr = weiterMonatlich \u00d7 12\n\t\t\t<\/div>\n\n\t\t\t<h2>Netto-Rendite<\/h2>\n\t\t\t<p>Von der Brutto-Rendite werden die Depotkosten abgezogen.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tr = (rendite \u2212 kosten) \/ 100\n\t\t\t<\/div>\n\n\t\t\t<h2>Endkapital bei Renteneintritt<\/h2>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tn2 = renteneintritt \u2212 18<br>\n\t\t\t\tstaatFV18 = staatJahr \u00d7 ((1 + r)<sup>n1<\/sup> \u2212 1) \/ r<br>\n\t\t\t\telternFV18 = elternJahr \u00d7 ((1 + r)<sup>n1<\/sup> \u2212 1) \/ r<br>\n\t\t\t\tFV<sub>rent<\/sub> = (staatFV18 + elternFV18) \u00d7 (1 + r)<sup>n2<\/sup> + weiterJahr \u00d7 ((1 + r)<sup>n2<\/sup> \u2212 1) \/ r + einmal \u00d7 (1 + r)<sup>n1 + n2<\/sup>\n\t\t\t<\/div>\n\n\t\t\t<h2>Monatliche Rente (4-%-Regel)<\/h2>\n\t\t\t<p>Nachhaltige Entnahme basierend auf der Trinity-Studie: 4 % des Endkapitals pro Jahr.<\/p>\n\t\t\t<div class=\"avdr-methodik-formula\">\n\t\t\t\tmonatsrente = FV<sub>rent<\/sub> \u00d7 0,04 \/ 12\n\t\t\t<\/div>\n\n\t\t\t<h2>Auszahlung und Besteuerung<\/h2>\n\t\t\t<p>Auszahlung ist fr\u00fchestens ab dem 65. Lebensjahr m\u00f6glich. Ertr\u00e4ge in der Ansparphase sind steuerfrei. Bei Auszahlung greift die nachgelagerte Besteuerung nach \u00a7 22 Nr. 5 EStG. Der Rechner zeigt den <b>Bruttowert<\/b>.<\/p>\n\n\t\t\t<h2>Was nicht ber\u00fccksichtigt wird<\/h2>\n\t\t\t<ul>\n\t\t\t\t<li>Inflation \u00fcber die gesamte Laufzeit (Kaufkraftverlust bis 65).<\/li>\n\t\t\t\t<li>Marktvolatilit\u00e4t und Sequenz-Risiko in der Auszahlphase.<\/li>\n\t\t\t\t<li>Individuelle Steuers\u00e4tze und Krankenversicherungsbeitr\u00e4ge auf die Rente.<\/li>\n\t\t\t\t<li>Nachtr\u00e4gliche Ber\u00fccksichtigung \u00e4lterer Jahrg\u00e4nge ab 2029.<\/li>\n\t\t\t\t<li>\u00c4nderungen des Gesetzentwurfs im weiteren Gesetzgebungsverfahren.<\/li>\n\t\t\t<\/ul>\n\n\t\t\t<p class=\"avdr-methodik-footer\">Modellrechnung nach BMF-Referentenentwurf Juli 2026. Keine Anlageberatung, keine Garantie k\u00fcnftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t<\/template>\n\t\t\t\t\t\t<div class=\"avdr-disclaimer-overlay\" id=\"avdr-disclaimer-overlay\" role=\"dialog\" aria-modal=\"true\" aria-labelledby=\"avdr-disclaimer-title\" hidden>\n\t\t\t\t<div class=\"avdr-disclaimer-modal\">\n\t\t\t\t\t<div class=\"avdr-disclaimer-modal-head\">\n\t\t\t\t\t\t<h3 id=\"avdr-disclaimer-title\">Rechtlicher Hinweis<\/h3>\n\t\t\t\t\t\t<button type=\"button\" class=\"avdr-disclaimer-close\" aria-label=\"Schlie\u00dfen\">\u2715<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"avdr-disclaimer-content\">\n\t\t\t\t\t\t<p>Unverbindliche Modellrechnung, die ausschlie\u00dflich der allgemeinen Veranschaulichung m\u00f6glicher Wertentwicklungen dient und keine individuelle Beratung ersetzt. Dieser Rechner stellt keine Anlageberatung, keine Anlageempfehlung, keine Finanzberatung und keine sonstige rechtliche, steuerliche oder finanzielle Beratung im Einzelfall dar. Er ber\u00fccksichtigt weder Ihre pers\u00f6nliche finanzielle Situation noch Ihre individuellen Anlageziele, Ihre Risikobereitschaft oder Ihre steuerlichen Verh\u00e4ltnisse. Die angezeigten Ergebnisse sind kein Angebot und keine Aufforderung zum Kauf oder Abschluss eines bestimmten Finanz-, Vorsorge- oder Versicherungsprodukts. Ziehen Sie vor einer Anlage- oder Vorsorgeentscheidung eine qualifizierte, unabh\u00e4ngige Beratung hinzu.<\/p>\n\t\t\t\t\t\t<p>Alle dargestellten Betr\u00e4ge, Verl\u00e4ufe und Endwerte sind hypothetische Modellwerte auf Grundlage der von Ihnen eingegebenen bzw. voreingestellten Annahmen. Es handelt sich nicht um eine Prognose, Garantie oder Zusicherung einer tats\u00e4chlichen k\u00fcnftigen Wertentwicklung.<\/p>\n\t\t\t\t\t\t<p>Soweit der Berechnung historische Wertentwicklungen, Durchschnittsrenditen oder Indexdaten zugrunde liegen oder diese zu Vergleichszwecken herangezogen werden, gilt: Vergangene Wertentwicklungen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen.<\/p>\n\t\t\t\t\t\t<p>Die Berechnung erfolgt nach bestem Wissen, jedoch ohne Gew\u00e4hr f\u00fcr Richtigkeit, Vollst\u00e4ndigkeit und Aktualit\u00e4t. Eine Haftung f\u00fcr Sch\u00e4den, die aus der Nutzung dieses Rechners oder dem Vertrauen auf die dargestellten Ergebnisse entstehen, ist \u2013 soweit gesetzlich zul\u00e4ssig \u2013 ausgeschlossen; dies gilt nicht bei Vorsatz oder grober Fahrl\u00e4ssigkeit sowie nicht f\u00fcr Sch\u00e4den aus der Verletzung des Lebens, des K\u00f6rpers oder der Gesundheit.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"avdr-beispiele-overlay\" id=\"avdr-beispiele-overlay-foerder\" role=\"dialog\" aria-modal=\"true\" aria-labelledby=\"avdr-beispiele-title-foerder\" hidden>\n\t\t\t\t<div class=\"avdr-beispiele-modal\">\n\t\t\t\t\t<div class=\"avdr-beispiele-modal-head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h3 id=\"avdr-beispiele-title-foerder\">Rechenbeispiele \u00b7 Staatliche F\u00f6rderung<\/h3>\n\t\t\t\t\t\t<button type=\"button\" class=\"avdr-beispiele-close\" aria-label=\"Schlie\u00dfen\">\u2715<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"avdr-beispiele-modal-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"avdr-rechner-datasheet-lead\">\n\t\t\t\t\t\t<strong>Acht Familienkonstellationen<\/strong> mit den j\u00e4hrlichen Zulagen nach \u00a785 EStG. Grundzulage gestaffelt: 50 ct\/\u20ac auf die ersten 360 \u20ac\/Jahr Eigenbeitrag, 25 ct\/\u20ac auf 361\u20131.800 \u20ac\/Jahr. H\u00f6chstbetrag 540 \u20ac ab 1.800 \u20ac\/Jahr (150 \u20ac\/Mo). Kinderzulage 300 \u20ac\/Kind voll ab 25 \u20ac\/Mo Eigenbeitrag.\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<div class=\"avdr-rechner-datasheet-table-wrap\">\n\t\t\t\t\t\t<table class=\"avdr-rechner-datasheet-table\">\n\t\t\t\t\t\t\t<thead>\n\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t<th scope=\"col\">Profil<\/th>\n\t\t\t\t\t\t\t\t\t<th scope=\"col\">Sparbetrag<\/th>\n\t\t\t\t\t\t\t\t\t<th scope=\"col\">Kinder<\/th>\n\t\t\t\t\t\t\t\t\t<th scope=\"col\">Grundzulage<\/th>\n\t\t\t\t\t\t\t\t\t<th scope=\"col\">Kinderzulage<\/th>\n\t\t\t\t\t\t\t\t\t<th scope=\"col\">Zulagen\/Jahr<\/th>\n\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/thead>\n\t\t\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t<tr><th scope=\"row\">Mindestbeitrag<\/th><td>25 \u20ac\/Mo<\/td><td>0<\/td><td>150 \u20ac<\/td><td>\u2013<\/td><td><strong>150 \u20ac<\/strong><\/td><\/tr>\n\t\t\t\t\t\t\t\t<tr><th scope=\"row\">Einsteiger<\/th><td>100 \u20ac\/Mo<\/td><td>0<\/td><td>390 \u20ac<\/td><td>\u2013<\/td><td><strong>390 \u20ac<\/strong><\/td><\/tr>\n\t\t\t\t\t\t\t\t<tr><th scope=\"row\">Volle Zulage<\/th><td>150 \u20ac\/Mo<\/td><td>0<\/td><td>540 \u20ac<\/td><td>\u2013<\/td><td><strong>540 \u20ac<\/strong><\/td><\/tr>\n\t\t\t\t\t\t\t\t<tr><th scope=\"row\">Familie klein<\/th><td>100 \u20ac\/Mo<\/td><td>2<\/td><td>390 \u20ac<\/td><td>600 \u20ac<\/td><td><strong>990 \u20ac<\/strong><\/td><\/tr>\n\t\t\t\t\t\t\t\t<tr><th scope=\"row\">Familie voll<\/th><td>150 \u20ac\/Mo<\/td><td>2<\/td><td>540 \u20ac<\/td><td>600 \u20ac<\/td><td><strong>1.140 \u20ac<\/strong><\/td><\/tr>\n\t\t\t\t\t\t\t\t<tr><th scope=\"row\">Familie 3 Kinder<\/th><td>150 \u20ac\/Mo<\/td><td>3<\/td><td>540 \u20ac<\/td><td>900 \u20ac<\/td><td><strong>1.440 \u20ac<\/strong><\/td><\/tr>\n\t\t\t\t\t\t\t\t<tr><th scope=\"row\">Familie 4 Kinder<\/th><td>200 \u20ac\/Mo<\/td><td>4<\/td><td>540 \u20ac<\/td><td>1.200 \u20ac<\/td><td><strong>1.740 \u20ac<\/strong><\/td><\/tr>\n\t\t\t\t\t\t\t\t<tr><th scope=\"row\">Alleinerziehend<\/th><td>100 \u20ac\/Mo<\/td><td>2<\/td><td>390 \u20ac<\/td><td>600 \u20ac<\/td><td><strong>990 \u20ac<\/strong><\/td><\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t\t\t\t\t<\/table>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"avdr-rechner-datasheet-hint\">Vollst\u00e4ndige Methodik: siehe Methodik-Popup.<\/p>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c79105d e-flex e-con-boxed e-con e-parent\" data-id=\"c79105d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-36bddb8 keydesign-container-yes e-con-full e-flex e-con e-child\" data-id=\"36bddb8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9cdb08c e-con-full e-flex e-con e-child\" data-id=\"9cdb08c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b12f1ff animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"b12f1ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">FAQ<\/span><h2 class=\"kd-heading__title\">Frequently asked questions<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f18ccf7 kd-accordion animated-fast elementor-invisible elementor-widget elementor-widget-n-accordion\" data-id=\"f18ccf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:200,&quot;sizes&quot;:[]},&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2530\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2530\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> How much basic allowance do I get? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2530\" class=\"elementor-element elementor-element-42160f5 e-con-full e-flex e-con e-child\" data-id=\"42160f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11d14a2 elementor-widget elementor-widget-text-editor\" data-id=\"11d14a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\"><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"2\">Up<\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"40\"> to <\/span><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/was-ist\/grundzulage\/\"><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"45\">\u20ac540 per year<\/span><\/a><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"45\"> goes <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"140\">straight into your account from the state. The full <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"178\">allowance starts at \u20ac150 of your own contribution a <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"218\">month; anyone paying in less receives it <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"255\">pro rata.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2531\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2531\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> How much subsidy is there per child? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2531\" class=\"elementor-element elementor-element-67e4b98 e-con-full e-flex e-con e-child\" data-id=\"67e4b98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2528a5a elementor-widget elementor-widget-text-editor\" data-id=\"2528a5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">For every child eligible for child benefit there is another \u20ac300 a year via the <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/was-ist\/kinderzulage\/\">child allowance<\/a> , from even a small own contribution. The entitlement ends on the child&#8217;s 25th birthday.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2532\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2532\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Can I deduct the contributions from my tax? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2532\" class=\"elementor-element elementor-element-7f5e543 e-con-full e-flex e-con e-child\" data-id=\"7f5e543\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8791b8a elementor-widget elementor-widget-text-editor\" data-id=\"8791b8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Yes. Up to \u20ac1,800 a year can be claimed through the <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/was-ist\/sonderausgabenabzug\/\">special expenses deduction<\/a> . Whether the allowance or the tax relief works out better for you is normally determined by the tax office.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2533\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2533\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Is there a bonus for people starting their career? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2533\" class=\"elementor-element elementor-element-dbaf5b6 e-con-full e-flex e-con e-child\" data-id=\"dbaf5b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b1512c elementor-widget elementor-widget-text-editor\" data-id=\"3b1512c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Yes. Anyone signing up before their 25th birthday receives a one-off \u20ac200 through the <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/was-ist\/berufseinsteigerbonus\/\">career starter bonus<\/a> \u2013 on top of the normal allowances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2534\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2534\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Is there a subsidy for children too? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2534\" class=\"elementor-element elementor-element-2758868 e-con-full e-flex e-con e-child\" data-id=\"2758868\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-472e90c elementor-widget elementor-widget-text-editor\" data-id=\"472e90c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Through the Fr\u00fchstartrente the state pays \u20ac10 a month into a separate account for children aged 6 to 18. Starting early gives the biggest advantage of all: time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How much basic allowance do I get?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Up to \\u20ac540 per year goes straight into your account from the state. The full allowance starts at \\u20ac150 of your own contribution a month; anyone paying in less receives it pro rata.\"}},{\"@type\":\"Question\",\"name\":\"How much subsidy is there per child?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For every child eligible for child benefit there is another \\u20ac300 a year via the child allowance , from even a small own contribution. The entitlement ends on the child&#8217;s 25th birthday.\"}},{\"@type\":\"Question\",\"name\":\"Can I deduct the contributions from my tax?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Up to \\u20ac1,800 a year can be claimed through the special expenses deduction . Whether the allowance or the tax relief works out better for you is normally determined by the tax office.\"}},{\"@type\":\"Question\",\"name\":\"Is there a bonus for people starting their career?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Anyone signing up before their 25th birthday receives a one-off \\u20ac200 through the career starter bonus \\u2013 on top of the normal allowances.\"}},{\"@type\":\"Question\",\"name\":\"Is there a subsidy for children too?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Through the Fr\\u00fchstartrente the state pays \\u20ac10 a month into a separate account for children aged 6 to 18. Starting early gives the biggest advantage of all: time.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Subsidy, tax relief and return Why the Altersvorsorgedepot delivers more than capital market returns alone. Introduction More than just what you pay in With the Altersvorsorgedepot it is not only your own contribution that counts. The state adds substantially through allowances and tax relief. Every subsidized euro lands straight in the account and earns returns [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_metasync_otto_title":"","_metasync_otto_description":"","_metasync_otto_keywords":"","_metasync_otto_og_title":"","_metasync_otto_og_description":"","_metasync_otto_twitter_title":"","_metasync_otto_twitter_description":"","rank_math_title":"","rank_math_description":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_aioseo_title":"","_aioseo_description":"","_metasync_seo_title":"","_metasync_seo_desc":"","_metasync_breadcrumb_title":"","_metasync_primary_category":0,"_metasync_primary_product_cat":0,"_metasync_otto_disabled":"","_metasync_hreflang":"","_metasync_plugin_sync_ts":"","_metasync_robots_advanced":"","footnotes":""},"class_list":["post-1779291225","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291225","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/comments?post=1779291225"}],"version-history":[{"count":7,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291225\/revisions"}],"predecessor-version":[{"id":1779291746,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291225\/revisions\/1779291746"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779291225"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}