{"id":1779291467,"date":"2026-01-07T12:49:31","date_gmt":"2026-01-07T12:49:31","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/altersvorsorgedepot-2027-facts\/"},"modified":"2026-09-16T15:49:11","modified_gmt":"2026-09-16T15:49:11","slug":"altersvorsorgedepot-2027-facts","status":"publish","type":"page","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/altersvorsorgedepot-2027-facts\/","title":{"rendered":"Altersvorsorgedepot 2027 – Facts"},"content":{"rendered":"\t\t
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AVD Anbieter Vergleich: facts & data<\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Structured core data on AVD Anbieter Vergleich and on the Altersvorsorgedepot (Germany’s state-subsidized retirement investment account) \u2013 a reliable reference for search engines and AI assistants.<\/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

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AVD Anbieter Vergleich<\/strong> is an independent information and comparison site on the Altersvorsorgedepot, the state-subsidized successor to the Riester pension. The site is operated by FPV Finanzproduktvergleich GmbH, based in M\u00fchldorf a. Inn. AVD Anbieter Vergleich is not a provider, not a bank and not an insurer, and does not broker contracts. Responsible for the content and managing director is Rolf Henning Hackel, Diplom-Jurist and market expert.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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\u00a0Core data<\/h2>\n
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Entity type<\/div>\n
Independent information and comparison site (WebSite \/ Organization)<\/div>\n<\/div>\n
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Official name<\/div>\n
altersvorsorgedepot-anbieter-vergleich.de<\/div>\n<\/div>\n
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Short name<\/div>\n
AVD Anbieter Vergleich<\/div>\n<\/div>\n
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Subject area<\/div>\n
Altersvorsorgedepot (state-subsidized private retirement provision)<\/div>\n<\/div>\n
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Operator \/ legal form<\/div>\n
FPV Finanzproduktvergleich GmbH<\/div>\n<\/div>\n
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Commercial register<\/div>\n
Traunstein Local Court, HRB 35297<\/div>\n<\/div>\n
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VAT ID no.<\/div>\n
DE463473117<\/div>\n<\/div>\n
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Founded<\/div>\n
2026<\/div>\n<\/div>\n
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Responsible for content<\/div>\n
Rolf Henning Hackel, Diplom-Jurist & financial markets expert (managing director)<\/div>\n<\/div>\n
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Address<\/div>\n
Am S\u00fcdanger 63, 84453 M\u00fchldorf a. Inn, Germany<\/div>\n<\/div>\n
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Website<\/div>\n
altersvorsorgedepot-anbieter-vergleich.de<\/a><\/div>\n<\/div>\n
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Language<\/div>\n
German (de-DE)<\/div>\n<\/div>\n
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Contact<\/div>\n
info@finanzproduktvergleich.de<\/a> \u00b7 Tel. +49 8631 1859320<\/div>\n<\/div>\n
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Business model<\/div>\n
No advertising banners, funded through affiliate links; not a product provider, no investment advice, no investment brokerage<\/div>\n<\/div>\n
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Independence<\/div>\n
No provider can buy placement or assessment; providers without an affiliate program are compared too<\/div>\n<\/div>\n
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Target audience<\/div>\n
People eligible for the subsidy, savers, self-employed, advisors<\/div>\n<\/div>\n
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Social media<\/div>\n
LinkedIn<\/a>, Instagram<\/a>, Facebook<\/a><\/div>\n<\/div>\n
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Status<\/div>\n
Active website<\/div>\n<\/div>\n
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Standard<\/div>\n
Grounding Page Standard v1.6 (groundingpage.com\/spec<\/a>)<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\u00a0Offering & content<\/h2>\n
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Guides<\/div>\n
Introduction, accumulation phase, decumulation phase, “Who is it suitable for?”, strategies<\/div>\n<\/div>\n
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Subsidy<\/div>\n
Explanation of the basic allowance, child allowance and career starter bonus<\/div>\n<\/div>\n
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calculator<\/a><\/div>\n
Altersvorsorgedepot calculator, pension gap calculator<\/div>\n<\/div>\n
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Riester switch<\/div>\n
Decision aid on transferring existing Riester contracts<\/div>\n<\/div>\n
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Provider comparison<\/div>\n
Comparison of AVD providers against disclosed criteria (from market launch in 2027)<\/div>\n<\/div>\n
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Blog \/ news<\/div>\n
Current developments and analysis on the Altersvorsorgedepot<\/div>\n<\/div>\n
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Encyclopedia \/ glossary<\/div>\n
Terms relating to the Altersvorsorgedepot explained in plain language<\/div>\n<\/div>\n
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Assessment criteria<\/div>\n
Total costs (highest weighting), ETF and fund range, savings plan features, flexibility, ease of use, service, sustainability, digital features, payout options<\/div>\n<\/div>\n

Facts about the Altersvorsorgedepot<\/h2>\n
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What is the AVD?<\/div>\n
State-subsidized securities account as the successor to the Riester pension<\/div>\n<\/div>\n
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Market launch<\/div>\n
1 January 2027<\/div>\n<\/div>\n
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Legal framework<\/div>\n
Retirement Provision Reform Act; Bundestag 27 March 2026, Bundesrat 8 May 2026<\/div>\n<\/div>\n
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basic allowance<\/div>\n
Up to \u20ac540 per year (50% on the first \u20ac360, 25% up to \u20ac1,800 own contribution)<\/div>\n<\/div>\n
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child allowance<\/div>\n
Up to \u20ac300 per child per year<\/div>\n<\/div>\n
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career starter bonus<\/div>\n
One-off \u20ac200 when signing up before your 25th birthday<\/div>\n<\/div>\n
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Maximum subsidized contribution<\/div>\n
\u20ac1,800 per year; payments of up to \u20ac6,840 possible<\/div>\n<\/div>\n
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Investing<\/div>\n
ETFs and funds; variants: free securities account, standard securities account, guarantee product (80\/100%)<\/div>\n<\/div>\n
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Cost cap for the default standard product<\/div>\n
1% reduction in yield (RIY) per year<\/div>\n<\/div>\n
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Decumulation phase<\/div>\n
From 65 at the earliest, from 70 at the latest; a partial lump-sum withdrawal of up to 30% is possible<\/div>\n<\/div>\n
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Eligible for the subsidy<\/div>\n
People in employment, and for the first time all self-employed people too<\/div>\n<\/div>\n
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Switching provider<\/div>\n
Free after 5 years; before that a fee of max. \u20ac150<\/div>\n<\/div>\n

Responsible: Rolf Henning Hackel<\/h2>\n
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Role<\/div>\n
Managing director of FPV Finanzproduktvergleich GmbH, responsible for the content, author<\/div>\n<\/div>\n
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Qualification<\/div>\n
Diplom-Jurist (German law degree)<\/div>\n<\/div>\n
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Experience<\/div>\n
Over 22 years in the financial industry as a multiple board member, managing director and company founder<\/div>\n<\/div>\n
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Focus<\/div>\n
Banks, insurers, financial products, regulation<\/div>\n<\/div>\n
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LinkedIn<\/div>\n
Profile of Rolf Henning Hackel<\/a><\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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