{"id":1779291497,"date":"2025-11-28T12:59:25","date_gmt":"2025-11-28T12:59:25","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/blog\/"},"modified":"2026-10-16T09:49:55","modified_gmt":"2026-10-16T09:49:55","slug":"blog","status":"publish","type":"page","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/","title":{"rendered":"Blog"},"content":{"rendered":"\t\t
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The Altersvorsorgedepot from a B2B platform’s point of view \u2013 interview with FFB<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tAVDAV Team<\/a><\/span> October 28, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\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

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How the development of costs affects the return on your Altersvorsorgedepot<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tteamspecht<\/a><\/span> October 24, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\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

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Is the Altersvorsorgedepot safe?<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> October 19, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\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

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Trade Republic Altersvorsorgedepot: really 0 euros in costs?<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> October 13, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\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

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Altersvorsorgedepot or Fr\u00fchstart-Rente: what is the difference?<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> September 23, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\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

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What does the Altersvorsorgedepot really cost at Deka?<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> September 11, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\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

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The Altersvorsorgedepot from a rating expert’s point of view<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tAVDAV Team<\/a><\/span> September 8, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\tfb research managing director Fabian Van Lancker in interview: how do you compare Altersvorsorgedepots fairly, why is the industry betting on premium products, and how do ratings stay independent?\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

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Transferring Riester into the Altersvorsorgedepot \u2013 can it be done without losing the subsidy<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> September 3, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\tRiester may come along into the Altersvorsorgedepot, and the government subsidy is retained in full, provided the deadlines, costs and sequence are right. Otherwise it gets expensive.\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

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Altersvorsorgedepot worked example: how \u20ac300 a month turns into a million<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> August 26, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\tA million sounds like the lottery. But if you start early and take the government subsidy year after year, with the Altersvorsorgedepot you really can reach seven figures over a working life. We do the math for you.\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

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Is the Fr\u00fchstartrente worth it? What parents need to know<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> August 17, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\t\u20ac10 a month from the state for every child \u2013 sounds good. But is the Fr\u00fchstartrente (early-start pension for children) really worth it? We do the honest math on who it pays off for and who benefits less\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

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Vanguard on the Altersvorsorgedepot: costs, competition and the 2027 launch<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tAVDAV Team<\/a><\/span> August 12, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\tFrom 1 January 2027 the Altersvorsorgedepot (Germany's state-subsidized retirement investment account) replaces the Riester pension as the core state-subsidized product. How the provider side views the new rules has barely reached the outside world so far. So we asked.\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

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Halal Altersvorsorgedepot: does a Sharia-compliant ETF fit into the subsidized securities account?<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> August 1, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\tMillions of Muslim women and men in Germany would be eligible for the subsidy from 2027. But is an Altersvorsorgedepot (Germany's state-subsidized retirement investment account) compatible with the prohibition of interest and with the question of what is actually inside the fund? We took a look.\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

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Retirement provision on Instagram: an opportunity for financial education<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> July 29, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\tRetirement provision on Instagram: why social media helps financial education, and how to tell credible information from pure advertising.\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

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\r\n\t\t\t\t\t\t\tExpert 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
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“Most mistakes do not happen when saving, but when it comes to tax”<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tAVDAV Team<\/a><\/span> July 20, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\t20 tax questions on the Altersvorsorgedepot - an expert interview with Diplom-Kaufmann and Steuerberater Stepan Riek\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

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R\u00fcrup pension or Altersvorsorgedepot: what is worth it for the self-employed?<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> July 16, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\tAs a self-employed person, you long had to rely on the R\u00fcrup pension for subsidized retirement provision. From 2027, the Altersvorsorgedepot adds a second subsidized option - for the first time for you too\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

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The Altersvorsorgedepot under fire: what consumer advocates criticize \u2013 and what speaks against it<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> July 8, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\tFor many, the Altersvorsorgedepot counts as the most attractive retirement product in decades. Consumer advocates take a more nuanced view and warn on several counts. We take their criticism seriously, but we also put it to the test.\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

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Study: 4.5 million Altersvorsorgedepot accounts as early as 2027 \u2013 what that means for savers<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> July 7, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\tNot a single Altersvorsorgedepot (Germany's state-subsidized retirement investment account) has been opened yet, but expectations for the launch are already high. A current market study expects millions of people to sign up in the very first year. Here we look at what is behind the figures and what they mean for your own decision.\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

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Two Altersvorsorgedepot accounts at the same time: is that possible?<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> July 6, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\tIf you are looking into the Altersvorsorgedepot, sooner or later you run into the same question: can you simply take out two contracts and then receive double the subsidy?\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

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Altersvorsorgedepot advantages and disadvantages: what speaks for it and what does not<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> July 2, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\t\u20ac540 a year from the state, a tax-free securities account, a full equity allocation: the Altersvorsorgedepot sounds like the most attractive retirement product in decades.\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

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Child allowance in the Altersvorsorgedepot: who receives the \u20ac300 per child?<\/a><\/h5>\r\n\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\tRolf Henning Hackel<\/a><\/span> July 1, 2026<\/span>\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t
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\r\n\t\t\t\t\t\t\t\u20ac300 per child per year, simply added by the state: that is the child allowance in the Altersvorsorgedepot.\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

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Blog Altersvorsorgedepot oder Fr\u00fchstart-Rente: Was ist der Unterschied? Rolf Henning Hackel September 23, 2026 Altersvorsorgedepot oder Fr\u00fchstart-Rente? Eins ist f\u00fcr Sie, eins f\u00fcr Ihr Kind. Der klare Unterschied bei Zulagen, Regeln und Start 2027 \u2013 und warum beide gleichzeitig laufen k\u00f6nnen. read more Blog Ist das Altersvorsorgedepot sicher? teamspecht September 15, 2026 Kaum ist das […]<\/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":"Altersvorsorgedepot blog: news, guides and analysis | AVD Comparison","_metasync_seo_desc":"Altersvorsorgedepot from 2027: discover the successor to the Riester pension. Everything on subsidies and providers. Find out more!","_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-1779291497","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291497","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=1779291497"}],"version-history":[{"count":12,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291497\/revisions"}],"predecessor-version":[{"id":1779294331,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/pages\/1779291497\/revisions\/1779294331"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779291497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}