{"id":1779294290,"date":"2026-09-19T07:39:46","date_gmt":"2026-09-19T07:39:46","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/what-does-the-altersvorsorgedepot-really-cost\/"},"modified":"2026-10-16T10:04:56","modified_gmt":"2026-10-16T10:04:56","slug":"what-does-the-altersvorsorgedepot-really-cost","status":"publish","type":"page","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-does-the-altersvorsorgedepot-really-cost\/","title":{"rendered":"What does the Altersvorsorgedepot really cost?"},"content":{"rendered":"\t\t
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What does the Altersvorsorgedepot really cost?<\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t
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What you really pay, which provider charges how much and what matters in a comparison.<\/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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For savers<\/span>

Small percentages, big effect<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Less than many people think. That applies as soon as you choose the standard product. There the legislator caps the effective costs at 1.0 percent a year, and the first providers are undercutting that considerably. quirion relies on Vanguard ETFs for this. Of the twelve providers with prices of their own, neun also name ongoing fund costs : Scalable Capital<\/a> and Smartbroker+<\/a> 0\u00a0%, flatex<\/a> 0,07\u00a0%, quirion<\/a> 0,07 \/ 0,08\u00a0%, DekaBank<\/a> and Sunrise<\/a> 0,1\u00a0%, Deutsche Bank<\/a> and Postbank<\/a> 0,10\u00a0%, Fidelity<\/a> ca. 0,35\u00a0%, Sunrise<\/a> 0,5 bis 0,9\u00a0%. Acht of them are tied to conditions or time-limited. The details are in the provider monitor<\/a>. At sieben providers the securities account itself costs nothing on a lasting basis. The cap only applies to the standard product, though. Other variants are not bound by it and are priced individually.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Types of cost<\/span>

TER, account fee, effective costs \u2013 three things that are constantly confused\n<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Three items determine what you pay in the end. In forums they are constantly mixed up. The fund costs, shown as the TER, sit inside the ETF itself and are deducted from the fund assets before you notice anything at all. The account fee is what you pay the provider on top, for running your account and administering the subsidies. The effective costs bring both of these plus all further deductions together in a single annual percentage figure, and it is precisely this last figure that the law caps, not the individual building blocks. Anyone who confuses them miscalculates. Scalable\u2019s low fund costs are currently being read as an additional account fee, even though the account itself costs nothing.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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TER (fund costs): <\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t

ongoing costs of the ETF, charged within the fund. Example: Vanguard ETFs at quirion with 0.07 to 0.08 percent.\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

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Account fee: <\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t

price for running the account. Example: Deka 0 percent, Scalable Capital 0 percent, Smartbroker+ 0 percent for three years up to 25,000 euros.\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

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Effective costs: <\/h4>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t

everything together in one figure. This is the only measure the legislator caps.\nMore on this on our page \u201eEffective costs in the Altersvorsorgedepot<\/a>.<\/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

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Cost cap<\/span>

The 1 percent cap applies only to the standard product<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t
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This is the most expensive piece of misinformation in the market. The cap of 1.0 percent applies only to the standard product<\/a>, that legally prescribed basic account made up of two preselected funds. It does not apply to an individual product. The consumer advice centre reckons on 1.5 to 2.5 percent a year there, and over decades that eats up a large part of your return. On almost every competing site the cap is presented as applying to all accounts. That is simply wrong. You can read up on the rule in the Federal Ministry of Finance\u2019s FAQ on the reform of private retirement provision (bundesfinanzministerium.de).<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Calculated over the long term<\/span>

Why half a percentage point makes such a difference over the years<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t
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It sounds like very little, but it is not. The difference between 0.2 and 1.0 percent in costs takes effect afresh every year, and over decades it adds up enormously. An example makes it tangible. Anyone investing 150 euros a month over 40 years at an assumed 6 percent ends up with around 283,000 euros at 0.2 percent in costs, but only about 229,000 euros at 1.0 percent. That is a difference of more than 50,000 euros, from fees alone. This is why we look at the effective costs first for every provider.<\/span><\/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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Assessment<\/span>

This is what our expert says\n\n<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Our expert Rolf Henning Hackel puts the cost question like this: costs are the strongest lever savers have in their own hands, and over thirty or forty years the difference between 0.2 and 1 percent makes an enormous amount of difference. Staring only at the last decimal place, however, falls short.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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\u201cCosts are the strongest lever you have in your own hands. In the end, though, what counts is that you start and keep going. Because the best account is only any use if you actually pay into it.\u201d<\/h4><\/div>
Rolf Henning Hackel<\/div><\/div><\/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
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Account cost calculator<\/span>

Work out your own cost difference\n<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Figures feel abstract until you see them for yourself. Set your savings rate, the term and the fee, and the account cost calculator shows immediately what the costs do to your account. Apparently small percentage points quickly turn into large sums. Give it a try.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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