{"id":1779291368,"date":"2026-06-12T05:42:39","date_gmt":"2026-06-12T05:42:39","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/riester-switch\/"},"modified":"2026-09-16T15:49:09","modified_gmt":"2026-09-16T15:49:09","slug":"riester-switch","status":"publish","type":"page","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/riester-switch\/","title":{"rendered":"Riester switch"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1779291368\" class=\"elementor elementor-1779291368 elementor-1779266491\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0788366 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"0788366\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3ed3987 e-con-full e-flex e-con e-child\" data-id=\"3ed3987\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c04c95a elementor-widget elementor-widget-keydesign-heading\" data-id=\"c04c95a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><h1 class=\"kd-heading__title\">Switching from Riester to the Altersvorsorgedepot (Germany's state-subsidized retirement investment account)<\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b65be2 elementor-widget elementor-widget-text-editor\" data-id=\"6b65be2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">The introduction of the Altersvorsorgedepot is intended to modernize private retirement provision in Germany. The aim is to give savers easier access to capital market investments with stronger return potential.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08bedb2 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"08bedb2\" data-element_type=\"container\" data-e-type=\"container\" id=\"section1\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-61704a4 e-con-full e-flex e-con e-child\" data-id=\"61704a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e8fcda elementor-widget__width-initial animated-fast elementor-widget elementor-widget-image\" data-id=\"3e8fcda\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-684056692.webp\" class=\"attachment-full size-full wp-image-1779291369\" alt=\"\" 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=\"(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-568eca2 e-con-full e-flex e-con e-child\" data-id=\"568eca2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2f7f90 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"c2f7f90\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Understand and prepare for the Riester switch now<\/span><h2 class=\"kd-heading__title\">Take <span class=\"kd-heading-highlight\"><span class=\"kd-highlight\"> your chance <\/span><\/span> now!<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dab05ee elementor-widget elementor-widget-text-editor\" data-id=\"dab05ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Existing Riester savers will be given the option of transferring their existing retirement assets into an Altersvorsorgedepot. The switching process is to be handled largely by the providers involved. Grandfathering applies here:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-604c49e elementor-widget__width-inherit animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-advanced-list\" data-id=\"604c49e\" 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\">Existing Riester contracts continue unchanged.<\/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\">From 2027, no new Riester contracts can be concluded.<\/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\">Switching is voluntary.<\/h5><span class=\"kd-list-description\">\n<\/span><\/span><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f32fde7 elementor-widget elementor-widget-text-editor\" data-id=\"f32fde7\" 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;\"><strong>Please note: do not cancel your Riester contracts, as otherwise allowances and tax advantages would have to be repaid. When you switch to the Altersvorsorgedepot, they are preserved!<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d36735 elementor-widget__width-auto elementor-widget elementor-widget-keydesign-button\" data-id=\"6d36735\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-button.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-button-wrap\"><a class=\"kd-button elementor-button\" role=\"button\" data-text=\"join the waiting list\" href=\"#newsletter\"><span class=\"kd-button__label\">join the waiting list<\/span><span class=\"kd-button__icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4141b8 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"f4141b8\" data-element_type=\"container\" data-e-type=\"container\" id=\"tax\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-14162e8 e-con-full e-flex e-con e-child\" data-id=\"14162e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-651aa9f animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"651aa9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Take your chance now!<\/span><h2 class=\"kd-heading__title\">Why is the Riester pension being reformed?<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-950d7fd elementor-widget elementor-widget-text-editor\" data-id=\"950d7fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The Riester pension was originally developed to compensate for retirement income shortfalls in the statutory pension insurance. In recent years, however, it has often been criticized that high guarantee requirements and low interest rates, combined with high costs on the providers&#8217; side, have limited the return potential.<\/p><p>The Altersvorsorgedepot is intended to create higher long-term earnings potential in the long run than the Riester pension!<\/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-db03bf1 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"db03bf1\" 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-696484a e-con-full e-flex e-con e-child\" data-id=\"696484a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c0aff8 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"1c0aff8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Tax advantages<\/span><h2 class=\"kd-heading__title\">Are a Riester pension and an Altersvorsorgedepot possible in parallel?<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6a697f elementor-widget elementor-widget-text-editor\" data-id=\"e6a697f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Yes, it is possible to keep an existing Riester contract running and open an Altersvorsorgedepot in parallel. In that case the allowances have to be assigned to one of the two contracts.<\/p><p style=\"font-weight: 400;\">Running both in parallel can make sense in particular if you want to continue a strong unit-linked Riester contract and at the same time use the new Altersvorsorgedepot to build up assets in the future. The government subsidy is credited exclusively to the contract for which a permanent allowance application is on file.<\/p><p style=\"font-weight: 400;\"><strong>Please note: transferring a R\u00fcrup contract into the Altersvorsorgedepot is not possible.<\/strong><\/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-168e3c7 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"168e3c7\" 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-db018b7 e-con-full e-flex e-con e-child\" data-id=\"db018b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff0ec2e animated-fast elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"ff0ec2e\" 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\">Process<\/span><h2 class=\"kd-heading__title\">The switch <span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">step by step<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e31957 elementor-widget__width-auto elementor-widget elementor-widget-keydesign-button\" data-id=\"3e31957\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-button.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-button-wrap\"><a class=\"kd-button elementor-button\" role=\"button\" data-text=\"join the waiting list\" href=\"#newsletter\"><span class=\"kd-button__label\">join the waiting list<\/span><span class=\"kd-button__icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26cbf74 e-con-full e-flex e-con e-child\" data-id=\"26cbf74\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cfa029 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"8cfa029\" 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=\"1.\tTaking stock\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">1.\tTaking stock<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Review of the existing Riester contract, the balance and the \t\t\t\t\tsubsidy status.<\/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-c073173 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"c073173\" 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=\"2.\tChoosing a provider:\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">2.\tChoosing a provider: <\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Comparison of costs, ETF offerings and services.<\/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-20d3a6f animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"20d3a6f\" 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=\"3.\tOpening the 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\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\">3.\tOpening the 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\">Opening the new Altersvorsorgedepot with the selected provider<\/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-e0d9254 e-con-full e-flex e-con e-child\" data-id=\"e0d9254\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1590162 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"1590162\" 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=\"4.\tTransfer request:\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">4.\tTransfer request: <\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Signing a standardized transfer form.<\/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-9446915 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"9446915\" 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=\"5.\tProcessing:\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\">5.\tProcessing: <\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Direct communication between the transferring and the receiving provider.<\/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-8fee282 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"8fee282\" 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=\"6.\tCapital transfer\">\n\t\t\t\n\t\t\t<div class=\"kd-icon-box__inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"kd-icon-box__content\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"kd-icon-box__title\"> 6.\tCapital transfer<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Transfer of the existing assets by the transferring provider<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06f8731 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"06f8731\" 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-a088a59 e-con-full e-flex e-con e-child\" data-id=\"a088a59\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd59da5 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"cd59da5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Tax advantages<\/span><h2 class=\"kd-heading__title\">What do you have to do as a saver?<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cff566 elementor-widget elementor-widget-text-editor\" data-id=\"3cff566\" 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;\">Savers generally have to carry out only a few steps themselves. In particular, you need to select a suitable provider, open the securities account and issue the transfer request. The technical implementation then takes place largely between the providers directly.<\/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-9faabda keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"9faabda\" 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-b7990c9 e-con-full e-flex e-con e-child\" data-id=\"b7990c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5111105 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"5111105\" 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\">Comparison<\/span><h2 class=\"kd-heading__title\">Riester pension vs. Altersvorsorgedepot<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cda6d30 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"cda6d30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<table style=\"font-weight: 400;\"><tbody><tr><td width=\"192\"><p>Product name<\/p><\/td><td width=\"192\"><p><strong>Riester pension<\/strong><\/p><\/td><td width=\"192\"><p><strong>Altersvorsorgedepot<\/strong><\/p><\/td><\/tr><tr><td width=\"192\"><p>Type of investment<\/p><\/td><td width=\"192\"><p>Mostly insurance policies\/funds<\/p><\/td><td width=\"192\"><p>Securities account with ETF and fund investments<\/p><\/td><\/tr><tr><td width=\"192\"><p>Return potential<\/p><\/td><td width=\"192\"><p>Rather limited<\/p><\/td><td width=\"192\"><p>Higher through the capital market<\/p><\/td><\/tr><tr><td width=\"192\"><p>Flexibility<\/p><\/td><td width=\"192\"><p>Limited<\/p><\/td><td width=\"192\"><p>Significantly higher<\/p><\/td><\/tr><tr><td width=\"192\"><p>Subsidy<\/p><\/td><td width=\"192\"><p>Government allowances, tax advantages<\/p><\/td><td width=\"192\"><p>Substantial government allowances, tax advantages<\/p><\/td><\/tr><tr><td width=\"192\"><p>Costs<\/p><\/td><td width=\"192\"><p>In some cases very high<\/p><\/td><td width=\"192\"><p>Depends on the provider, but significantly lower<\/p><\/td><\/tr><\/tbody><\/table>\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-abf3dd9 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"abf3dd9\" 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-cdd39d7 e-con-full e-flex e-con e-child\" data-id=\"cdd39d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72f2082 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"72f2082\" 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\">Calculation examples<\/span><h2 class=\"kd-heading__title\">How your balance could develop <\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd017e5 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"dd017e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<table style=\"font-weight: 400;\"><tbody><tr><td width=\"168\"><p>Scenario<\/p><\/td><td width=\"168\"><p>Riester balance<\/p><\/td><td width=\"168\"><p>Assumed return<\/p><\/td><td width=\"168\"><p>Possible account value after 20 years*<\/p><\/td><\/tr><tr><td width=\"168\"><p>Example 1<\/p><\/td><td width=\"168\"><p>\u20ac25,000<\/p><\/td><td width=\"168\"><p>5% p.a.<\/p><\/td><td width=\"168\"><p>\u20ac66,332<\/p><\/td><\/tr><tr><td width=\"168\"><p>Example 2<\/p><\/td><td width=\"168\"><p>\u20ac50,000<\/p><\/td><td width=\"168\"><p>5% p.a.<\/p><\/td><td width=\"168\"><p>\u20ac132,665<\/p><\/td><\/tr><tr><td width=\"168\"><p>Example 3<\/p><\/td><td width=\"168\"><p>\u20ac100,000<\/p><\/td><td width=\"168\"><p>5% p.a.<\/p><\/td><td width=\"168\"><p>\u20ac265,330<\/p><\/td><\/tr><\/tbody><\/table>\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-3eeb709 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"3eeb709\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4cccdd7 e-con-full e-flex e-con e-child\" data-id=\"4cccdd7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46f49ac animated-fast elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"46f49ac\" 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\">An honest look<\/span><h2 class=\"kd-heading__title\">Opportunities and risks <\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06760fc e-con-full e-flex e-con e-child\" data-id=\"06760fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a10a66e animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"a10a66e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-icon-box.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\">\t\t<div class=\"kd-icon-box elementor-animation-float icon-position-top\">\n\t\t\t\t\t\t\t<a class=\"kd-icon-box__link\" href=\"#\" aria-label=\"Higher long-term return expectations\">\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\">Higher long-term return expectations<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">More earnings over long periods through ETFs and funds instead of low-interest guarantees.<\/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-ee1840f animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"ee1840f\" 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=\"Broader diversification\">\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\">Broader diversification<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\"> Capital spread across many markets and sectors \u2013 that reduces risks.<\/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-0f6aa14 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"0f6aa14\" 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=\"Greater transparency\">\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\">Greater transparency<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">Always clear: investments, performance and costs at a glance.<\/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-e641339 animated-fast elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-keydesign-icon-box\" data-id=\"e641339\" 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=\"Value fluctuations on the capital markets\">\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<i aria-hidden=\"true\" class=\"keydesign-icon at-minus-circle\"><\/i>\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\">Value fluctuations on the capital markets<\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"kd-icon-box__desc\">More opportunity means more fluctuation. A long investment horizon cushions that.<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7fe3b67 e-flex e-con-boxed e-con e-parent\" data-id=\"7fe3b67\" 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-3febb5f keydesign-container-yes e-con-full e-flex e-con e-child\" data-id=\"3febb5f\" 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-03b4df8 e-con-full e-flex e-con e-child\" data-id=\"03b4df8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd15f5a animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"bd15f5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">FAQ<\/span><h2 class=\"kd-heading__title\">Frequently asked questions<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-727e4d4 kd-accordion animated-fast elementor-invisible elementor-widget elementor-widget-n-accordion\" data-id=\"727e4d4\" 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-1200\" 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-1200\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Is it worth switching from Riester to the Altersvorsorgedepot? <\/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-1200\" class=\"elementor-element elementor-element-f7066db e-con-full e-flex e-con e-child\" data-id=\"f7066db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee3698b elementor-widget elementor-widget-text-editor\" data-id=\"ee3698b\" 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;\">That depends on your contract. Your existing <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/was-ist\/glossar\/#riester-rente\">Riester contract<\/a> continues as normal \u2013 it is not cancelled or automatically converted. A switch can be worthwhile if your old contract has high costs and you want to move to low-cost ETFs. For low earners with several children, however, Riester can even remain the better option, because the old fixed allowances have a stronger effect there than the new percentage-based subsidy. Work through your own case before you change anything.<\/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-1201\" 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-1201\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Can I transfer my existing Riester balance into the Altersvorsorgedepot? <\/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-1201\" class=\"elementor-element elementor-element-c67947f e-con-full e-flex e-con e-child\" data-id=\"c67947f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-caef18b elementor-widget elementor-widget-text-editor\" data-id=\"caef18b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Yes, that is provided for. Unlike holdings from a non-subsidized securities account, balances from 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\/was-ist\/glossar\/#riester-rente\">Riester contract<\/a> are to be transferable into the Altersvorsorgedepot. This means you take your accumulated capital with you and continue it under the new rules. Exactly how the transfer works and which deadlines apply depends on the provider \u2013 the details will be settled by the start in 2027.<\/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-1202\" 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-1202\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Are my allowances preserved when I switch? <\/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-1202\" class=\"elementor-element elementor-element-aa043e7 e-con-full e-flex e-con e-child\" data-id=\"aa043e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a18bc1 elementor-widget elementor-widget-text-editor\" data-id=\"2a18bc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\"><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"2\">Yes. When you transfer into the <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"74\">Altersvorsorgedepot, the allowances and <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"107\">tax advantages you have <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"115\">already received remain fully <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"153\">preserved. That applies both <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"191\">to the <\/span><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/was-ist\/grundzulage\/\"><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"199\">basic allowance<\/span><\/a><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"199\"> and to the child allowance. <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"316\">Only if you cancel the contract would you have to <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"352\">repay this subsidy \u2013 with a <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"388\">switch that does not happen.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1203\" 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-1203\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> How will my securities account be taxed later on? <\/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-1203\" class=\"elementor-element elementor-element-15898c3 e-con-full e-flex e-con e-child\" data-id=\"15898c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74f7380 elementor-widget elementor-widget-text-editor\" data-id=\"74f7380\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\"><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"2\">What applies is <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"50\">the principle of <\/span><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/was-ist\/nachgelagerte-besteuerung\/\"><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"66\">deferred taxation<\/span><\/a><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"66\">. During <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"185\">the accumulation phase you benefit from <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"221\">tax advantages, while returns and <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"258\">price gains grow in the account <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"292\">untaxed. Only on payout in <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"330\">retirement do you pay tax \u2013 usually <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"367\">at a lower personal tax <\/span><span class=\"_animating_6ta1u_10\" data-newtext-seq=\"401\">rate than during your working life.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1204\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1204\" >\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 main difference from the old 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-1204\" class=\"elementor-element elementor-element-baed62a e-con-full e-flex e-con e-child\" data-id=\"baed62a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fde23b elementor-widget elementor-widget-text-editor\" data-id=\"1fde23b\" 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;\">Instead of a guarantee-oriented insurance policy, with the Altersvorsorgedepot you invest directly in the capital market, above all through ETFs and funds. This creates higher return potential, but also fluctuations in value. You can find the detailed comparison at <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/was-ist\/riester-rente\/\">Riester pension vs. Altersvorsorgedepot<\/a>.<\/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-1205\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1205\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> What happens to my money in retirement? <\/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-1205\" class=\"elementor-element elementor-element-57c8a74 e-con-full e-flex e-con e-child\" data-id=\"57c8a74\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-461e83f elementor-widget elementor-widget-text-editor\" data-id=\"461e83f\" 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;\">When you retire, you decide how your assets are paid out: as a lifelong <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/was-ist\/leibrente\/\">life annuity<\/a>, through a flexible <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/was-ist\/auszahlplan-bis-85\/\">drawdown plan to age 85<\/a> or as a combination. You can withdraw up to 30% as a one-off payment; the rest stays invested and can keep generating returns.<\/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-1206\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1206\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Is my transferred balance protected? <\/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-1206\" class=\"elementor-element elementor-element-33230a6 e-con-full e-flex e-con e-child\" data-id=\"33230a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce4cf31 elementor-widget elementor-widget-text-editor\" data-id=\"ce4cf31\" 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;\">If you wish, you can choose 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\/was-ist\/beitragsgarantie\/\">contribution guarantee<\/a> of 80% or 100%. This means that part or all of the contributions you have paid in are secured by the time your pension starts. But note: the higher the guarantee, the lower the return potential is as a rule, because less capital can be invested freely.<\/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\":\"Is it worth switching from Riester to the Altersvorsorgedepot?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"That depends on your contract. Your existing Riester contract continues as normal \\u2013 it is not cancelled or automatically converted. A switch can be worthwhile if your old contract has high costs and you want to move to low-cost ETFs. For low earners with several children, however, Riester can even remain the better option, because the old fixed allowances have a stronger effect there than the new percentage-based subsidy. Work through your own case before you change anything.\"}},{\"@type\":\"Question\",\"name\":\"Can I transfer my existing Riester balance into the Altersvorsorgedepot?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, that is provided for. Unlike holdings from a non-subsidized securities account, balances from a Riester contract are to be transferable into the Altersvorsorgedepot. This means you take your accumulated capital with you and continue it under the new rules. Exactly how the transfer works and which deadlines apply depends on the provider \\u2013 the details will be settled by the start in 2027.\"}},{\"@type\":\"Question\",\"name\":\"Are my allowances preserved when I switch?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. When you transfer into the Altersvorsorgedepot, the allowances and tax advantages you have already received remain fully preserved. That applies both to the basic allowance and to the child allowance. Only if you cancel the contract would you have to repay this subsidy \\u2013 with a switch that does not happen.\"}},{\"@type\":\"Question\",\"name\":\"How will my securities account be taxed later on?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"What applies is the principle of deferred taxation. During the accumulation phase you benefit from tax advantages, while returns and price gains grow in the account untaxed. Only on payout in retirement do you pay tax \\u2013 usually at a lower personal tax rate than during your working life.\"}},{\"@type\":\"Question\",\"name\":\"What is the main difference from the old Riester pension?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Instead of a guarantee-oriented insurance policy, with the Altersvorsorgedepot you invest directly in the capital market, above all through ETFs and funds. This creates higher return potential, but also fluctuations in value. You can find the detailed comparison at Riester pension vs. Altersvorsorgedepot.\"}},{\"@type\":\"Question\",\"name\":\"What happens to my money in retirement?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When you retire, you decide how your assets are paid out: as a lifelong life annuity, through a flexible drawdown plan to age 85 or as a combination. You can withdraw up to 30% as a one-off payment; the rest stays invested and can keep generating returns.\"}},{\"@type\":\"Question\",\"name\":\"Is my transferred balance protected?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you wish, you can choose a contribution guarantee of 80% or 100%. This means that part or all of the contributions you have paid in are secured by the time your pension starts. But note: the higher the guarantee, the lower the return potential is as a rule, because less capital can be invested freely.\"}}]}<\/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>Switching from Riester to the Altersvorsorgedepot (Germany&#8217;s state-subsidized retirement investment account) The introduction of the Altersvorsorgedepot is intended to modernize private retirement provision in Germany. The aim is to give savers easier access to capital market investments with stronger return potential. Understand and prepare for the Riester switch now Take your chance now! Existing Riester [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_metasync_otto_title":"","_metasync_otto_description":"","_metasync_otto_keywords":"","_metasync_otto_og_title":"","_metasync_otto_og_description":"","_metasync_otto_twitter_title":"","_metasync_otto_twitter_description":"","rank_math_title":"","rank_math_description":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_aioseo_title":"","_aioseo_description":"","_metasync_seo_title":"","_metasync_seo_desc":"","_metasync_breadcrumb_title":"","_metasync_primary_category":0,"_metasync_primary_product_cat":0,"_metasync_otto_disabled":"","_metasync_hreflang":"","_metasync_plugin_sync_ts":"","_metasync_robots_advanced":"","footnotes":""},"class_list":["post-1779291368","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291368","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=1779291368"}],"version-history":[{"count":5,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291368\/revisions"}],"predecessor-version":[{"id":1779291776,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291368\/revisions\/1779291776"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779291368"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}