{"id":1779291239,"date":"2025-11-28T12:59:21","date_gmt":"2025-11-28T12:59:21","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/home-avd\/"},"modified":"2026-10-27T09:33:56","modified_gmt":"2026-10-27T09:33:56","slug":"home-avd","status":"publish","type":"page","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/","title":{"rendered":"Home AVD"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1779291239\" class=\"elementor elementor-1779291239 elementor-1779261347\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98ae5ea keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"98ae5ea\" 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-81182d9 e-con-full e-flex e-con e-child\" data-id=\"81182d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:1779289908,&quot;url&quot;:&quot;https:\\\/\\\/altersvorsorgedepot-anbieter-vergleich.de\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/altersvorsorgedepot-gruender-portrait.webp&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e02099c e-con-full e-flex e-con e-child\" data-id=\"e02099c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0adc4b1 elementor-widget elementor-widget-keydesign-heading\" data-id=\"0adc4b1\" 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\"><span class=\"kd-heading__label\">from January 2027<\/span><h1 class=\"kd-heading__title\">The new Altersvorsorgedepot 2027: every provider <span class=\"kd-heading-highlight\"><span class=\"kd-highlight\"> compared <\/span><\/span> <\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3279433 elementor-widget elementor-widget-keydesign-heading\" data-id=\"3279433\" 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\"><div class=\"kd-heading__title\">Up to  <span class=\"kd-heading-highlight\"><span class=\"kd-highlight\"> \u20ac1,680 <\/span><\/span>   in subsidies a year for families<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed1030c elementor-widget elementor-widget-text-editor\" data-id=\"ed1030c\" 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 dir=\"ltr\">The successor to the Riester pension is here: a state-subsidized ETF account you control yourself, worth up to \u20ac1,680 a year to families claiming the full subsidy. Compare every provider here and work out what it is worth to you.<br \/><strong>Reviewed by Rolf Henning Hackel, lawyer &amp; financial market expert<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d61a51c elementor-widget__width-auto mobile-inline-list elementor-widget elementor-widget-keydesign-advanced-list\" data-id=\"d61a51c\" 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--inline 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-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><div class=\"kd-list-title\">Independent<\/div><\/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-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><div class=\"kd-list-title\">Reviewed by an expert<\/div><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-b4c9f16\" 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-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><div class=\"kd-list-title\">Stand 4 November 2026<\/div><\/span><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef1dc55 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"ef1dc55\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" 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=\"Calculate your personal subsidy now\" href=\"\/en\/altersvorsorgedepot-calculator\/\"><span class=\"kd-button__label\">Calculate your personal subsidy now<\/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 class=\"elementor-element elementor-element-3edcdca elementor-widget elementor-widget-text-editor\" data-id=\"3edcdca\" 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>free \u00b7 no sign-up \u00b7 no tracking<\/p><p> <\/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-2655a92 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"2655a92\" 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-db5a547 e-con-full e-flex e-con e-child\" data-id=\"db5a547\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49fb968 elementor-widget elementor-widget-text-editor\" data-id=\"49fb968\" 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>As featured in:<\/p><p> <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b96b13b animated-fast elementor-pagination-type-none elementor-invisible elementor-widget elementor-widget-keydesign-advanced-carousel\" data-id=\"6b96b13b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;carousel_slides_per_view&quot;:&quot;2&quot;,&quot;carousel_slides_per_view_tablet&quot;:&quot;4&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;carousel_transition_duration&quot;:2000,&quot;carousel_pagination&quot;:&quot;none&quot;,&quot;carousel_slides_per_view_mobile&quot;:&quot;2&quot;,&quot;carousel_items_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]},&quot;carousel_autoplay&quot;:&quot;yes&quot;,&quot;carousel_scroll_speed&quot;:5000,&quot;carousel_items_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;carousel_items_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"keydesign-advanced-carousel.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"keydesign-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carousel\">\r\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-slide swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 2\">\r\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d014846 e-flex e-con-boxed e-con e-child\" data-id=\"d014846\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2600a5 elementor-widget elementor-widget-image\" data-id=\"d2600a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"361\" height=\"87\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/focus-logo1-e1791996142972.png\" class=\"attachment-full size-full wp-image-1779294262\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/focus-logo1-e1791996142972.png 361w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/focus-logo1-e1791996142972-300x72.png 300w\" sizes=\"(max-width: 361px) 100vw, 361px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-slide swiper-slide\" data-slide=\"2\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 2\">\r\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b9f69fb e-flex e-con-boxed e-con e-child\" data-id=\"b9f69fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4186b8 elementor-widget elementor-widget-image\" data-id=\"d4186b8\" data-element_type=\"widget\" data-e-type=\"widget\" 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=\"514\" height=\"98\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/FOCUS_MONEY_freigestellt-1.png\" class=\"attachment-full size-full wp-image-1779294264\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/FOCUS_MONEY_freigestellt-1.png 514w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/FOCUS_MONEY_freigestellt-1-300x57.png 300w\" sizes=\"(max-width: 514px) 100vw, 514px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\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-99ca1dd keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"99ca1dd\" 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-d632e02 e-con-full e-flex e-con e-child\" data-id=\"d632e02\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42630b8 elementor-widget elementor-widget-html\" data-id=\"42630b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"avd-monitor avdm-teil\"><div class=\"avdm-wand\" style=\"--avdm-spalten:3\">\n  <div class=\"avdm-logos\">\n    <a class=\"alogo f-quadrat\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/dekabank\/\" title=\"DekaBank: confirmed. To the provider page\"><img src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/plugins\/avd-anbieter-monitor\/assets\/logos\/dekabank.png?v=3.16.31.1793774616\" alt=\"DekaBank Altersvorsorgedepot from 2027\" loading=\"lazy\" decoding=\"async\"><span class=\"lname\">DekaBank<\/span><\/a>    <a class=\"alogo f-quadrat\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/deutsche-bank\/\" title=\"Deutsche Bank: confirmed. To the provider page\"><img src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/plugins\/avd-anbieter-monitor\/assets\/logos\/deutsche-bank.png?v=3.16.31.1793774616\" alt=\"Deutsche Bank Altersvorsorgedepot from 2027\" loading=\"lazy\" decoding=\"async\"><span class=\"lname\">Deutsche Bank<\/span><\/a>    <a class=\"alogo f-quer\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/dws\/\" title=\"DWS: confirmed. To the provider page\"><img src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/plugins\/avd-anbieter-monitor\/assets\/logos\/dws.svg?v=3.16.31.1793774616\" alt=\"DWS Altersvorsorgedepot from 2027\" loading=\"lazy\" decoding=\"async\"><span class=\"lname\">DWS<\/span><\/a>    <a class=\"alogo f-quadrat\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/fidelity\/\" title=\"Fidelity: confirmed. To the provider page\"><img src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/plugins\/avd-anbieter-monitor\/assets\/logos\/fidelity.svg?v=3.16.31.1793774616\" alt=\"Fidelity Altersvorsorgedepot from 2027\" loading=\"lazy\" decoding=\"async\"><span class=\"lname\">Fidelity<\/span><\/a>    <a class=\"alogo f-quadrat\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/flatex\/\" title=\"flatex: confirmed. To the provider page\"><img src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/plugins\/avd-anbieter-monitor\/assets\/logos\/flatex.png?v=3.16.31.1793774616\" alt=\"flatex Altersvorsorgedepot from 2027\" loading=\"lazy\" decoding=\"async\"><span class=\"lname\">flatex<\/span><\/a>    <a class=\"alogo f-quer\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/hannoversche\/\" title=\"Hannoversche: confirmed. To the provider page\"><img src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/plugins\/avd-anbieter-monitor\/assets\/logos\/hannoversche.svg?v=3.16.31.1793774616\" alt=\"Hannoversche Altersvorsorgedepot from 2027\" loading=\"lazy\" decoding=\"async\"><span class=\"lname\">Hannoversche<\/span><\/a>    <a class=\"alogo f-quadrat\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/ing\/\" title=\"ING: confirmed. To the provider page\"><img src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/plugins\/avd-anbieter-monitor\/assets\/logos\/ing.svg?v=3.16.31.1793774616\" alt=\"ING Altersvorsorgedepot from 2027\" loading=\"lazy\" decoding=\"async\"><span class=\"lname\">ING<\/span><\/a>    <a class=\"alogo f-quadrat\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/postbank\/\" title=\"Postbank: confirmed. To the provider page\"><img src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/plugins\/avd-anbieter-monitor\/assets\/logos\/postbank.png?v=3.16.31.1793774616\" alt=\"Postbank Altersvorsorgedepot from 2027\" loading=\"lazy\" decoding=\"async\"><span class=\"lname\">Postbank<\/span><\/a>    <a class=\"alogo f-quadrat\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/quirion\/\" title=\"quirion: confirmed. To the provider page\"><img src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/plugins\/avd-anbieter-monitor\/assets\/logos\/quirion.png?v=3.16.31.1793774616\" alt=\"quirion Altersvorsorgedepot from 2027\" loading=\"lazy\" decoding=\"async\"><span class=\"lname\">quirion<\/span><\/a>    <a class=\"alogo f-quer\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/raisin\/\" title=\"Raisin \/ WeltSparen: confirmed. To the provider page\"><img src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/plugins\/avd-anbieter-monitor\/assets\/logos\/raisin.svg?v=3.16.31.1793774616\" alt=\"Raisin \/ WeltSparen Altersvorsorgedepot from 2027\" loading=\"lazy\" decoding=\"async\"><span class=\"lname\">Raisin \/ WeltSparen<\/span><\/a>    <a class=\"alogo f-quadrat\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/scalable-capital\/\" title=\"Scalable Capital: confirmed. To the provider page\"><img src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/plugins\/avd-anbieter-monitor\/assets\/logos\/scalable-capital.png?v=3.16.31.1793774616\" alt=\"Scalable Capital Altersvorsorgedepot from 2027\" loading=\"lazy\" decoding=\"async\"><span class=\"lname\">Scalable Capital<\/span><\/a>    <a class=\"alogo avdm-mehr\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/\" title=\"All providers with an Altersvorsorgedepot in the monitor\" style=\"--avdm-eng:'+71'\"><span class=\"zahl-weit\">+68<\/span><span class=\"lname\">all providers<\/span><\/a>\n  <\/div>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cf7d10 e-con-full e-flex e-con e-child\" data-id=\"5cf7d10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd98b1e animated-fast elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"fd98b1e\" 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\">Only here: all 72 providers checked individually<\/span><h2 class=\"kd-heading__title\"><span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">Who<\/span><\/span> has announced an Altersvorsorgedepot?<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0210859 elementor-widget elementor-widget-text-editor\" data-id=\"0210859\" 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>Who will actually offer an Altersvorsorgedepot from 2027 is tracked in the Anbieter-Monitor. 64 of 79 of the providers checked have committed; none is certified yet. You cannot sign up yet. We check every working day for movement and verify each entry against the provider&#8217;s own website, with the date beside it. On costs and ETF selection the differences will be wide.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12d8846 elementor-widget elementor-widget-html\" data-id=\"12d8846\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"kd-widget-container avdm-news\">\n  <ul class=\"kd-advanced-list kd-list-layout--default kd-badge-pos--after\" role=\"list\">\n    <li class=\"kd-list-item\" role=\"listitem\"><div class=\"kd-list-inner\">\n      <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\">\n        <div class=\"kd-list-title\"><span class=\"avdm-datum\">04.11.<\/span> <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/raisin\/\">At Raisin the management costs 0.15 percent, the ETFs come on top<\/a><\/div>\n        <span class=\"kd-list-description\">The footnote says so itself, and how large the add-on is appears only in the product information sheet<\/span>\n      <\/span>\n    <\/div><\/li>\n    <li class=\"kd-list-item\" role=\"listitem\"><div class=\"kd-list-inner\">\n      <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\">\n        <div class=\"kd-list-title\"><span class=\"avdm-datum\">03.11.<\/span> <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/hannoversche\/\">Hannoversche guarantees 0.5 percent in total costs for the whole term<\/a><\/div>\n        <span class=\"kd-list-description\">Half the statutory cap, and the first provider to hold it not just at the start but until retirement<\/span>\n      <\/span>\n    <\/div><\/li>\n    <li class=\"kd-list-item\" role=\"listitem\"><div class=\"kd-list-inner\">\n      <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\">\n        <div class=\"kd-list-title\"><span class=\"avdm-datum\">30.10.<\/span> <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/anbieter-monitor\/ing\/\">ING pays a 50-euro starting bonus \u2014 but the real deadline is 31 December<\/a><\/div>\n        <span class=\"kd-list-description\">Opening by 15 February 2027, but joining the Starteliste while it is still 2026<\/span>\n      <\/span>\n    <\/div><\/li>\n  <\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87e2ce0 elementor-widget elementor-widget-text-editor\" data-id=\"87e2ce0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tZuletzt gepr\u00fcft am 4 November 2026\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d7e8e57 e-con-full e-flex e-con e-child\" data-id=\"d7e8e57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bdd450 elementor-widget__width-auto elementor-widget elementor-widget-keydesign-button\" data-id=\"0bdd450\" 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=\"to the Anbieter-Monitor\" href=\"\/anbieter-monitor\"><span class=\"kd-button__label\">to the Anbieter-Monitor<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfd34eb keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"bfd34eb\" 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-ea9bf96 e-con-full e-flex e-con e-child\" data-id=\"ea9bf96\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-047916b animated-fast elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"047916b\" 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\"><h1 class=\"kd-heading__title\"> <span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">15,2 % <\/span><\/span> <\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-683790c elementor-widget-tablet__width-inherit animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"683790c\" 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\"><div class=\"kd-heading__title\">That is the size of the average pension gap for an average earner in Germany. On a net income of 3,000 euros that comes to around <b>456 euros<\/b> missing every month.<\/div><div class=\"kd-heading__desc\"><p>This gap arises because the state pension replaces only part of your income. There are several ways to close it. The Altersvorsorgedepot is one of them, with state subsidies and the return potential of ETFs.\n<br>\nSource: Deutsche Rentenversicherung, model calculation 2025. Pension gap = difference between net income and the state pension.<\/p><\/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-20b79ef3 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"20b79ef3\" data-element_type=\"container\" data-e-type=\"container\" id=\"email-campaigns\" 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-27965fe0 e-con-full e-flex e-con e-child\" data-id=\"27965fe0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62e499b9 elementor-widget__width-inherit animated-fast elementor-widget elementor-widget-image\" data-id=\"62e499b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1919265357.webp\" class=\"attachment-full size-full wp-image-1779291241\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1919265357.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1919265357-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1919265357-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1919265357-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1919265357-710x710.webp 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\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-2432256e e-con-full e-flex e-con e-child\" data-id=\"2432256e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57366439 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"57366439\" 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\">The Altersvorsorgedepot explained simply<\/span><h2 class=\"kd-heading__title\">How it works &amp; <span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">benefits<\/span><\/span> <\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6870161 elementor-widget elementor-widget-text-editor\" data-id=\"6870161\" 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 Altersvorsorgedepot replaces the Riester pension in 2027 \u2014 this time without the expensive 100% guarantee that cost Riester savers so much return. Your money is free to work in ETFs and funds, and the state adds allowances and tax relief on top.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26454c1e elementor-widget__width-inherit animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-advanced-list\" data-id=\"26454c1e\" 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\">State allowance paid straight into your ETF account<\/h5><span class=\"kd-list-description\"> up to \u20ac1,680 a year for families<\/span><\/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\">Tax-free growth<\/h5><span class=\"kd-list-description\">no capital income tax during the accumulation phase<\/span><\/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\">Open to the self-employed for the first time<\/h5><span class=\"kd-list-description\">Income from trade and self-employment now qualifies for the subsidy<\/span><\/span><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc951f7 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"dc951f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" 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=\"read more in the guide\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wpa-stats\/einfuehrung\/\"><span class=\"kd-button__label\">read more in the guide<\/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-7f7bb91b keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"7f7bb91b\" data-element_type=\"container\" data-e-type=\"container\" id=\"automated-workflows\" 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-20782b e-con-full e-flex e-con e-child\" data-id=\"20782b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-594ba379 elementor-widget__width-inherit animated-fast elementor-widget elementor-widget-image\" data-id=\"594ba379\" 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 loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1336918009.webp\" class=\"attachment-full size-full wp-image-1779291242\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1336918009.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1336918009-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1336918009-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1336918009-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1336918009-710x710.webp 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\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-7ef07b8a e-con-full e-flex e-con e-child\" data-id=\"7ef07b8a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12ad670 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"12ad670\" 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\">Altersvorsorgedepot subsidy 2027<\/span><h2 class=\"kd-heading__title\">Up to <span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">\u20ac540<\/span><\/span> basic allowance + child allowance<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92457c8 elementor-widget elementor-widget-text-editor\" data-id=\"92457c8\" 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 subsidy has never been higher. On your first \u20ac360 a year the state adds 50%, before the markets have earned you a single cent. Families can reach up to \u20ac1,680 a year.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-100bed6 elementor-widget__width-inherit animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-advanced-list\" data-id=\"100bed6\" 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\">\u20ac540 basic allowance per year (max.) <\/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\">\u20ac300 child allowance per child<\/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\">\u20ac1,800 subsidized own contribution p.a.<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-5ad62f8\" 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\">\u20ac200 career starter bonus<\/h5><\/span><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed82e85 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"ed82e85\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" 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=\"more on the subsidy\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wpa-stats\/foerderung\/\"><span class=\"kd-button__label\">more on the subsidy<\/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-7ab1830 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"7ab1830\" 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-7882d43 e-con-full e-flex e-con e-child\" data-id=\"7882d43\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8131a56 animated-fast elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"8131a56\" 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\">All benefits<\/span><h2 class=\"kd-heading__title\"><span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">6 strong reasons<\/span><\/span> for the Altersvorsorgedepot<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f010895 elementor-widget-tablet__width-inherit animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"f010895\" 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\"><p class=\"kd-heading__title\">The AVD combines government support with the earning power of ETFs \u2014 a combination far superior to the Riester pension.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dfc1128 e-con-full e-flex e-con e-child\" data-id=\"dfc1128\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86c43f5 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"86c43f5\" 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=\"State allowance paid straight into your account\">\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-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/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\">State allowance paid straight into your account<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\"> The state pays up to \u20ac1,680 a year straight into your ETF account (family with two children). The allowance is invested immediately and grows with everything else.<\/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-66f4f7d animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"66f4f7d\" 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=\"Full ETF returns, nothing skimmed off\">\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-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/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\">Full ETF returns, nothing skimmed off<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\"> No expensive insurance wrapper, no heavy administration fees. Your money works directly in the market, earning the return of broadly diversified ETFs (historically around 6\u20138% a year on average).<\/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-ad929ff animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"ad929ff\" 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=\"Tax-free growth\">\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-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/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\">Tax-free growth<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\"> No flat-rate withholding tax during the accumulation phase. Compounding therefore works on the full amount for decades, including the tax you have deferred.<\/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-39a32cf e-con-full e-flex e-con e-child\" data-id=\"39a32cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f848ae animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"8f848ae\" 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=\"Switch providers freely\">\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-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/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\">Switch providers freely<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">After five years you can switch provider free of charge. No lock-in as with old Riester contracts.<\/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-d337e32 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"d337e32\" 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=\"Inheritable and transferable\">\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-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/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\">Inheritable and transferable<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\"> On death the accumulated capital passes to your heirs. No loss of capital as with some pension insurance products.\n<\/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-ad89866 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"ad89866\" 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=\"Transparency and control\">\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-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/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\">Transparency and control<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\"> You can see exactly what your account is worth at any time. Full transparency on costs and performance.<\/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 data-keydesign-parallax=\"\" data-keydesign-parallax-speed=\"0.8\" class=\"keydesign-parallax elementor-element elementor-element-79ab437d keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"79ab437d\" 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-935d048 e-con-full e-flex e-con e-child\" data-id=\"935d048\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6f160c animated-fast elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"c6f160c\" 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\">Model calculations<\/span><h2 class=\"kd-heading__title\"><span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">What<\/span><\/span>  is in it for you? <\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8aa4fc6 elementor-widget-tablet__width-inherit animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"8aa4fc6\" 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\"><p class=\"kd-heading__title\">Three worked examples with different starting points, all modelled on a 6% p.a. ETF return.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44a2eb64 e-con-full e-grid e-con e-child\" data-id=\"44a2eb64\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-35824576 keydesign-container-yes animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"35824576\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cda2349 myimage elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"cda2349\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1475819322.webp\" class=\"attachment-full size-full wp-image-1779288109\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1475819322.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1475819322-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1475819322-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1475819322-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1475819322-710x710.webp 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">The student, 22<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc56f2a elementor-widget elementor-widget-heading\" data-id=\"fc56f2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Small budget, long horizon: \u20ac50 a month, plus the career starter bonus before her 25th birthday.<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d469d19 elementor-widget elementor-widget-text-editor\" data-id=\"d469d19\" 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>Final balance:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d09a6f7 elementor-widget elementor-widget-counter\" data-id=\"d09a6f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">\u20ac50 \/ month, 45-year term <\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"138000\" data-from-value=\"138000\" data-delimiter=\".\">138000<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> \u20ac<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\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-b375ea5 keydesign-container-yes animated-fast e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"b375ea5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5968b56 myimage elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"5968b56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-506040308.webp\" class=\"attachment-full size-full wp-image-1779288094\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-506040308.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-506040308-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-506040308-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-506040308-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-506040308-710x710.webp 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">The engineer, 42<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54e70ad elementor-widget elementor-widget-heading\" data-id=\"54e70ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Two children, medium horizon: \u20ac300 child allowance per child means \u20ac600 extra a year.<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fbc938 elementor-widget elementor-widget-text-editor\" data-id=\"5fbc938\" 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>Final balance:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b3041f elementor-widget elementor-widget-counter\" data-id=\"5b3041f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">\u20ac250 \/ month, 23-year term <\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"142000\" data-from-value=\"142000\" data-delimiter=\".\">142000<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> \u20ac<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c48c1c7 keydesign-container-yes animated-fast e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"c48c1c7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6b2346 myimage elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"d6b2346\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-674018228.webp\" class=\"attachment-full size-full wp-image-1779288097\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-674018228.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-674018228-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-674018228-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-674018228-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-674018228-710x710.webp 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">The self-employed woman, 55<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca2f929 elementor-widget elementor-widget-heading\" data-id=\"ca2f929\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Close to retirement: less wealth accumulation, but the allowance plus tax savings on what she pays in.\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2839720 elementor-widget elementor-widget-text-editor\" data-id=\"2839720\" 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>Final balance:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-331b1f2 elementor-widget elementor-widget-counter\" data-id=\"331b1f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">\u20ac200 \/ month, 10-year term<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"34000\" data-from-value=\"34000\" data-delimiter=\".\">34000<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> \u20ac<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\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-2c9414d e-con-full e-flex e-con e-child\" data-id=\"2c9414d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bf2626 elementor-widget__width-auto elementor-widget elementor-widget-keydesign-button\" data-id=\"3bf2626\" 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=\"Run your own scenario\" href=\"\/en\/altersvorsorgedepot-calculator\/\"><span class=\"kd-button__label\">Run your own scenario<\/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-2566938b keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"2566938b\" 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-7544991 e-con-full e-flex e-con e-child\" data-id=\"7544991\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa138a3 animated-fast elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"aa138a3\" 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\">Blog<\/span><h2 class=\"kd-heading__title\"> <span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">News<\/span><\/span> &amp; updates<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de91be2 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"de91be2\" 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\"><p class=\"kd-heading__title\">The developments that matter around the Altersvorsorgedepot 2027, kept current.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8edfff7 elementor-widget__width-auto animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"8edfff7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_delay&quot;:200,&quot;_animation&quot;:&quot;fadeIn&quot;}\" 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=\"to the blog\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/\"><span class=\"kd-button__label\">to the blog<\/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<div class=\"elementor-element elementor-element-257d56e1 animated-fast kd-arrow-animation-yes elementor-invisible elementor-widget elementor-widget-keydesign-blog-posts-carousel\" data-id=\"257d56e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;carousel_infinite&quot;:&quot;yes&quot;,&quot;carousel_autoplay&quot;:&quot;yes&quot;,&quot;carousel_scroll_speed&quot;:5000,&quot;carousel_pause_on_hover&quot;:&quot;yes&quot;,&quot;carousel_transition_duration&quot;:500,&quot;carousel_arrows&quot;:&quot;yes&quot;,&quot;carousel_items_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;carousel_items_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;carousel_items_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"keydesign-blog-posts-carousel.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div id=\"swiper-257d56e1\" class=\"keydesign-carousel swiper kdbp--pos-top\" dir=\"ltr\"><div class=\"swiper-wrapper\"><div class=\"elementor-swiper-slide swiper-slide\">\t\t<article class=\"kdbp-card kd-card elementor-grid-item post-1779297074 post type-post status-publish format-standard has-post-thumbnail hentry category-expert-interviews\">\r\n\t\t\t\t\t\t\t<div class=\"kdbp-media\">\r\n\t\t\t\t\t<a class=\"kdbp-media-image\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/expert-interviews\/the-altersvorsorgedepot-from-a-b2b-platforms-point-of-view-interview-with-ffb\/\" aria-label=\"The Altersvorsorgedepot from a B2B platform&#8217;s point of view \u2013 interview with FFB\">\r\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"506\" height=\"506\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1.webp\" class=\"attachment-large size-large wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1.webp 506w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1-150x150.webp 150w\" sizes=\"auto, (max-width: 506px) 100vw, 506px\" \/>\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"kdbp-categories\">\r\n\t\t\t\t\t\t\t<span class=\"kdbp-category\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/category\/expert-interviews\/\">Expert interviews<\/a><\/span>\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<div class=\"kdbp-content\">\r\n\t\t\t\t<h4 class=\"kdbp-title\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/expert-interviews\/the-altersvorsorgedepot-from-a-b2b-platforms-point-of-view-interview-with-ffb\/\">The Altersvorsorgedepot from a B2B platform&#8217;s point of view \u2013 interview with FFB<\/a><\/h4>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kdbp-excerpt\">\r\n\t\t\t\t\t\t<p>\r\n\t\t\t\t\t\t\tFIL Fondsbank (FFB) is bringing the Altersvorsorgedepot to market through brokers, broker pools and asset managers. Michael M\u00fcller explains the standard and premium models, the Altersvorsorgedepot Select option and why FFB sees the business as a strategic growth area.\t\t\t\t\t\t<\/p>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kd-button-wrap\">\r\n\t\t\t\t\t\t<a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/expert-interviews\/the-altersvorsorgedepot-from-a-b2b-platforms-point-of-view-interview-with-ffb\/\" class=\"kd-button elementor-button\" data-text=\"read more\">\r\n\t\t\t\t\t\t\t<span class=\"kd-button__label\">read more<\/span>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t<\/div><div class=\"elementor-swiper-slide swiper-slide\">\t\t<article class=\"kdbp-card kd-card elementor-grid-item post-1779291191 post type-post status-publish format-standard has-post-thumbnail hentry category-blog\">\r\n\t\t\t\t\t\t\t<div class=\"kdbp-media\">\r\n\t\t\t\t\t<a class=\"kdbp-media-image\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/how-the-development-of-etf-costs-affects-the-return-on-your-altersvorsorgedepot\/\" aria-label=\"How the development of costs affects the return on your Altersvorsorgedepot\">\r\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-1024x1024.webp\" class=\"attachment-large size-large wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-1024x1024.webp 1024w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-710x710.webp 710w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher.webp 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"kdbp-categories\">\r\n\t\t\t\t\t\t\t<span class=\"kdbp-category\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/category\/blog\/\">Blog<\/a><\/span>\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<div class=\"kdbp-content\">\r\n\t\t\t\t<h4 class=\"kdbp-title\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/how-the-development-of-etf-costs-affects-the-return-on-your-altersvorsorgedepot\/\">How the development of costs affects the return on your Altersvorsorgedepot<\/a><\/h4>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kdbp-excerpt\">\r\n\t\t\t\t\t\t<p>\r\n\t\t\t\t\t\t\tAfter the subsidy, a second, inconspicuous figure decides your return: the ongoing costs. Why one percentage point makes such a difference over 30 years.\t\t\t\t\t\t<\/p>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kd-button-wrap\">\r\n\t\t\t\t\t\t<a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/how-the-development-of-etf-costs-affects-the-return-on-your-altersvorsorgedepot\/\" class=\"kd-button elementor-button\" data-text=\"read more\">\r\n\t\t\t\t\t\t\t<span class=\"kd-button__label\">read more<\/span>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t<\/div><div class=\"elementor-swiper-slide swiper-slide\">\t\t<article class=\"kdbp-card kd-card elementor-grid-item post-1779291186 post type-post status-publish format-standard has-post-thumbnail hentry category-blog\">\r\n\t\t\t\t\t\t\t<div class=\"kdbp-media\">\r\n\t\t\t\t\t<a class=\"kdbp-media-image\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/is-the-altersvorsorgedepot-safe\/\" aria-label=\"Is the Altersvorsorgedepot safe?\">\r\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new-1024x1024.webp\" class=\"attachment-large size-large wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new-1024x1024.webp 1024w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new-710x710.webp 710w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new.webp 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"kdbp-categories\">\r\n\t\t\t\t\t\t\t<span class=\"kdbp-category\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/category\/blog\/\">Blog<\/a><\/span>\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<div class=\"kdbp-content\">\r\n\t\t\t\t<h4 class=\"kdbp-title\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/is-the-altersvorsorgedepot-safe\/\">Is the Altersvorsorgedepot safe?<\/a><\/h4>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kdbp-excerpt\">\r\n\t\t\t\t\t\t<p>\r\n\t\t\t\t\t\t\tYes, but not without risk. What the law secures \u2014 segregated fund assets, a 1.0 percent cost cap, no single stocks \u2014 and what it deliberately leaves open: the capital guarantee.\t\t\t\t\t\t<\/p>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kd-button-wrap\">\r\n\t\t\t\t\t\t<a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/is-the-altersvorsorgedepot-safe\/\" class=\"kd-button elementor-button\" data-text=\"read more\">\r\n\t\t\t\t\t\t\t<span class=\"kd-button__label\">read more<\/span>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t<\/div><div class=\"elementor-swiper-slide swiper-slide\">\t\t<article class=\"kdbp-card kd-card elementor-grid-item post-1779294104 post type-post status-publish format-standard has-post-thumbnail hentry category-blog\">\r\n\t\t\t\t\t\t\t<div class=\"kdbp-media\">\r\n\t\t\t\t\t<a class=\"kdbp-media-image\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/trade-republic-altersvorsorgedepot-really-0-euros-in-costs\/\" aria-label=\"Trade Republic Altersvorsorgedepot: really 0 euros in costs?\">\r\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-vorsorge-starten-1024x1024.webp\" class=\"attachment-large size-large wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-vorsorge-starten-1024x1024.webp 1024w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-vorsorge-starten-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-vorsorge-starten-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-vorsorge-starten-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-vorsorge-starten-710x710.webp 710w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-vorsorge-starten.webp 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"kdbp-categories\">\r\n\t\t\t\t\t\t\t<span class=\"kdbp-category\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/category\/blog\/\">Blog<\/a><\/span>\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<div class=\"kdbp-content\">\r\n\t\t\t\t<h4 class=\"kdbp-title\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/trade-republic-altersvorsorgedepot-really-0-euros-in-costs\/\">Trade Republic Altersvorsorgedepot: really 0 euros in costs?<\/a><\/h4>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kdbp-excerpt\">\r\n\t\t\t\t\t\t<p>\r\n\t\t\t\t\t\t\tNo account fee, free savings plans, more than 50 ETFs without fund costs. Trade Republic is bringing the Altersvorsorgedepot at zero cost from 2027. What the offer is worth and where the catch is.\t\t\t\t\t\t<\/p>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kd-button-wrap\">\r\n\t\t\t\t\t\t<a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/trade-republic-altersvorsorgedepot-really-0-euros-in-costs\/\" class=\"kd-button elementor-button\" data-text=\"read more\">\r\n\t\t\t\t\t\t\t<span class=\"kd-button__label\">read more<\/span>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t<\/div><div class=\"elementor-swiper-slide swiper-slide\">\t\t<article class=\"kdbp-card kd-card elementor-grid-item post-1779294284 post type-post status-publish format-standard has-post-thumbnail hentry category-blog\">\r\n\t\t\t\t\t\t\t<div class=\"kdbp-media\">\r\n\t\t\t\t\t<a class=\"kdbp-media-image\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/altersvorsorgedepot-or-fruhstart-rente-what-is-the-difference\/\" aria-label=\"Altersvorsorgedepot or Fr\u00fchstart-Rente: what is the difference?\">\r\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-684056692.webp\" class=\"attachment-large size-large wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-684056692.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-684056692-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-684056692-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-684056692-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-684056692-710x710.webp 710w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"kdbp-categories\">\r\n\t\t\t\t\t\t\t<span class=\"kdbp-category\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/category\/blog\/\">Blog<\/a><\/span>\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<div class=\"kdbp-content\">\r\n\t\t\t\t<h4 class=\"kdbp-title\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/altersvorsorgedepot-or-fruhstart-rente-what-is-the-difference\/\">Altersvorsorgedepot or Fr\u00fchstart-Rente: what is the difference?<\/a><\/h4>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kdbp-excerpt\">\r\n\t\t\t\t\t\t<p>\r\n\t\t\t\t\t\t\tAltersvorsorgedepot or Fr\u00fchstart-Rente? One is for you, one for your child. The clear difference in subsidies, rules and the 2027 launch \u2013 and why both can run at the same time.\t\t\t\t\t\t<\/p>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kd-button-wrap\">\r\n\t\t\t\t\t\t<a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/altersvorsorgedepot-or-fruhstart-rente-what-is-the-difference\/\" class=\"kd-button elementor-button\" data-text=\"read more\">\r\n\t\t\t\t\t\t\t<span class=\"kd-button__label\">read more<\/span>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t<\/div><div class=\"elementor-swiper-slide swiper-slide\">\t\t<article class=\"kdbp-card kd-card elementor-grid-item post-1779292082 post type-post status-publish format-standard has-post-thumbnail hentry category-blog\">\r\n\t\t\t\t\t\t\t<div class=\"kdbp-media\">\r\n\t\t\t\t\t<a class=\"kdbp-media-image\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/what-does-the-altersvorsorgedepot-really-cost-at-deka\/\" aria-label=\"What does the Altersvorsorgedepot really cost at Deka?\">\r\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-520646742.webp\" class=\"attachment-large size-large wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-520646742.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-520646742-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-520646742-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-520646742-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-520646742-710x710.webp 710w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"kdbp-categories\">\r\n\t\t\t\t\t\t\t<span class=\"kdbp-category\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/category\/blog\/\">Blog<\/a><\/span>\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<div class=\"kdbp-content\">\r\n\t\t\t\t<h4 class=\"kdbp-title\"><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/what-does-the-altersvorsorgedepot-really-cost-at-deka\/\">What does the Altersvorsorgedepot really cost at Deka?<\/a><\/h4>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kdbp-excerpt\">\r\n\t\t\t\t\t\t<p>\r\n\t\t\t\t\t\t\tFor its standard securities account Deka charges only 0.1 percent a year, putting it on a par with the cheapest neobrokers. What the Altersvorsorgedepot really costs at the Sparkassen, where the catch lies and how Deka fits into the price war.\t\t\t\t\t\t<\/p>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<div class=\"kd-button-wrap\">\r\n\t\t\t\t\t\t<a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/what-does-the-altersvorsorgedepot-really-cost-at-deka\/\" class=\"kd-button elementor-button\" data-text=\"read more\">\r\n\t\t\t\t\t\t\t<span class=\"kd-button__label\">read more<\/span>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t<\/div><\/div><div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg><\/div><div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg><\/div><\/div><\/div>\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-6ddc38c keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"6ddc38c\" 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-1e12202 e-con-full e-flex e-con e-child\" data-id=\"1e12202\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-082aa2c animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"082aa2c\" 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\">About us<\/span><h2 class=\"kd-heading__title\"> <span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">Who<\/span><\/span> stands behind this content<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6107ba elementor-widget elementor-widget-text-editor\" data-id=\"b6107ba\" 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><strong>Lawyer &amp; financial market expert \u00b7 AVD Anbieter Vergleich \u00b7 responsible for content<\/strong><\/p><p>Every text on this site carries a name. Rolf Henning Hackel is a qualified lawyer who has spent more than twenty years at the intersection of financial technology and law. He helped build investment and wealth platforms in Germany&#8217;s tightly regulated market and knows the providers, their products and the small print at first hand. Here he turns that around: his knowledge works for savers looking for an independent assessment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eeafa0 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"2eeafa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" 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=\"more about us\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wpa-stats\/ueber-uns\/\"><span class=\"kd-button__label\">more about us<\/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-c1b9258 e-con-full e-flex e-con e-child\" data-id=\"c1b9258\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b58115 elementor-widget__width-inherit animated-fast elementor-widget elementor-widget-image\" data-id=\"8b58115\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"896\" height=\"896\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/rolf_quadratisch-1.webp\" class=\"attachment-full size-full wp-image-1779291246\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/rolf_quadratisch-1.webp 896w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/rolf_quadratisch-1-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/rolf_quadratisch-1-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/rolf_quadratisch-1-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/07\/rolf_quadratisch-1-710x710.webp 710w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/>\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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e80934 e-flex e-con-boxed e-con e-parent\" data-id=\"1e80934\" 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-798b9826 keydesign-container-yes e-con-full e-flex e-con e-child\" data-id=\"798b9826\" 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-588ffa6b e-con-full e-flex e-con e-child\" data-id=\"588ffa6b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0de8877 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"0de8877\" 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 about the Altersvorsorgedepot<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc0261 kd-accordion animated-fast elementor-invisible elementor-widget elementor-widget-n-accordion\" data-id=\"cc0261\" 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-1330\" 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-1330\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\">  What is the Altersvorsorgedepot 2027? <\/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-1330\" class=\"elementor-element elementor-element-173d1aa3 e-con-full e-flex e-con e-child\" data-id=\"173d1aa3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-275eec81 elementor-widget elementor-widget-text-editor\" data-id=\"275eec81\" 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 <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/altersvorsorgedepot\/\">Altersvorsorgedepot<\/a> (AVD) is a state-subsidized securities account that replaces the Riester pension in its current form from 1 January 2027. Savers can invest in ETFs, shares, funds and bonds and receive direct allowances from the state or a special expenses deduction on their tax return. Unlike Riester, there is no longer a compulsory 100% contribution guarantee, which opens up considerably higher return potential.<\/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-1331\" 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-1331\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Exactly how much is the government subsidy? <\/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-1331\" class=\"elementor-element elementor-element-6f1ad38c e-con-full e-flex e-con e-child\" data-id=\"6f1ad38c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41f15035 elementor-widget elementor-widget-text-editor\" data-id=\"41f15035\" 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 subsidy is proportional to what you pay in: a 50% allowance on the first \u20ac360 a year (= \u20ac180), then 25% on further contributions up to \u20ac1,800 (= another \u20ac360). That makes a maximum of \u20ac540 <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/basic-allowance-in-the-altersvorsorgedepot-up-to-e540-per-year-from-the-state\/\">basic allowance<\/a> per year. For each child eligible for child benefit there is another \u20ac300 <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/child-allowance-in-the-altersvorsorgedepot-e300-per-child-per-year\/\">child allowance<\/a> on top. Anyone signing up before their 25th birthday receives a one-off \u20ac200 <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/career-starter-bonus-e200-free-for-young-savers\/\">career starter bonus<\/a>. A family with two children can therefore reach up to \u20ac1,680 a year in subsidy.<\/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-1332\" 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-1332\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> How much should I pay in each month? <\/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-1332\" class=\"elementor-element elementor-element-2c1b00d3 e-con-full e-flex e-con e-child\" data-id=\"2c1b00d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef8d34 elementor-widget elementor-widget-text-editor\" data-id=\"4ef8d34\" 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 maximum basic allowance of \u20ac540 you need to contribute \u20ac1,800 a year, which is \u20ac150 a month. The child allowance is paid in full from a minimum base contribution of \u20ac25 a month. Paying in more than \u20ac1,800 earns no additional allowance on the excess, but you can invest up to \u20ac6,840 in total in the subsidized account. Through a <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/regular-savings-plan-in-the-altersvorsorgedepot-save-into-etfs-automatically-every-month\/\">regular savings plan<\/a> this can be set up to run entirely automatically.<\/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-1333\" 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-1333\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Is the Altersvorsorgedepot safer than the Riester pension? <\/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-1333\" class=\"elementor-element elementor-element-8059bab e-con-full e-flex e-con e-child\" data-id=\"8059bab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-faa4584 elementor-widget elementor-widget-text-editor\" data-id=\"faa4584\" 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;\">Safe and high-earning are two different things. Riester carried a 100% contribution guarantee that cost a great deal of return. The Altersvorsorgedepot leaves the choice to you: 0%, 80% or 100% <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/contribution-guarantee-in-the-altersvorsorgedepot-optional-instead-of-mandatory\/\">contribution guarantee<\/a>. Anyone with 20+ years ahead of them is usually better off with the higher-earning option (an ETF<a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/default-standard-product-the-low-cost-basic-account-in-the-altersvorsorgedepot\/\">default standard product<\/a> without a guarantee). Those who want more security take the 80% guarantee.<\/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\":\"What is the Altersvorsorgedepot 2027?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Altersvorsorgedepot (AVD) is a state-subsidized securities account that replaces the Riester pension in its current form from 1 January 2027. Savers can invest in ETFs, shares, funds and bonds and receive direct allowances from the state or a special expenses deduction on their tax return. Unlike Riester, there is no longer a compulsory 100% contribution guarantee, which opens up considerably higher return potential.\"}},{\"@type\":\"Question\",\"name\":\"Exactly how much is the government subsidy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The subsidy is proportional to what you pay in: a 50% allowance on the first \\u20ac360 a year (= \\u20ac180), then 25% on further contributions up to \\u20ac1,800 (= another \\u20ac360). That makes a maximum of \\u20ac540 basic allowance per year. For each child eligible for child benefit there is another \\u20ac300 child allowance on top. Anyone signing up before their 25th birthday receives a one-off \\u20ac200 career starter bonus. A family with two children can therefore reach up to \\u20ac1,680 a year in subsidy.\"}},{\"@type\":\"Question\",\"name\":\"How much should I pay in each month?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For the maximum basic allowance of \\u20ac540 you need to contribute \\u20ac1,800 a year, which is \\u20ac150 a month. The child allowance is paid in full from a minimum base contribution of \\u20ac25 a month. Paying in more than \\u20ac1,800 earns no additional allowance on the excess, but you can invest up to \\u20ac6,840 in total in the subsidized account. Through a regular savings plan this can be set up to run entirely automatically.\"}},{\"@type\":\"Question\",\"name\":\"Is the Altersvorsorgedepot safer than the Riester pension?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Safe and high-earning are two different things. Riester carried a 100% contribution guarantee that cost a great deal of return. The Altersvorsorgedepot leaves the choice to you: 0%, 80% or 100% contribution guarantee. Anyone with 20+ years ahead of them is usually better off with the higher-earning option (an ETFdefault standard product without a guarantee). Those who want more security take the 80% guarantee.\"}}]}<\/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>from January 2027 The new Altersvorsorgedepot 2027: every provider compared Up to \u20ac1,680 in subsidies a year for families The successor to the Riester pension is here: a state-subsidized ETF account you control yourself, worth up to \u20ac1,680 a year to families claiming the full subsidy. Compare every provider here and work out what it [&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":"Altersvorsorgedepot: the Riester successor compared","_metasync_otto_description":"","_metasync_otto_keywords":"","_metasync_otto_og_title":"Altersvorsorgedepot: the Riester successor compared","_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":"Altersvorsorgedepot comparison: the Riester successor from 2027 | AVD Vergleich","_metasync_seo_desc":"Altersvorsorgedepot from 2027: compare the Riester successor. Up to 1,680 euros in subsidies a year. All providers and calculators, free of charge.","_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-1779291239","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291239","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=1779291239"}],"version-history":[{"count":32,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291239\/revisions"}],"predecessor-version":[{"id":1779296416,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291239\/revisions\/1779296416"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779291239"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}