{"id":1779291186,"date":"2026-10-19T11:01:43","date_gmt":"2026-10-19T11:01:43","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/?p=1779291186"},"modified":"2026-10-19T11:33:33","modified_gmt":"2026-10-19T11:33:33","slug":"is-the-altersvorsorgedepot-safe","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/is-the-altersvorsorgedepot-safe\/","title":{"rendered":"Is the Altersvorsorgedepot safe?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779291186\" class=\"elementor elementor-1779291186 elementor-1779291177\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51ec1b7 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"51ec1b7\" 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-8ff4d0a e-con-full e-flex e-con e-child\" data-id=\"8ff4d0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d83c470 elementor-widget__width-initial animated-fast elementor-widget elementor-widget-image\" data-id=\"d83c470\" 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=\"1200\" height=\"1200\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new.webp\" class=\"attachment-full size-full wp-image-1779295534\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new.webp 1200w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new-1024x1024.webp 1024w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/ist-das-altersvorsorgedepot-sicher-new-710x710.webp 710w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\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-2851574 e-con-full e-flex e-con e-child\" data-id=\"2851574\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8c272d elementor-widget elementor-widget-text-editor\" data-id=\"b8c272d\" 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 data-pm-slice=\"1 1 []\">Yes, but not without risk: the Altersvorsorgedepot (Germany&#8217;s new state-subsidized retirement investment account) is regulated by law, protects your capital if a provider becomes insolvent, and caps costs by statute \u2013 in the default case, however, there is no capital guarantee, so your money is exposed to real market fluctuations. &#8220;Safe&#8221; here does not mean &#8220;without risk,&#8221; but &#8220;regulated and offering choices&#8221; \u2013 unlike the Riester pension, which by default promised that you would get back at least the amount you had paid in.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46c3030 elementor-widget elementor-widget-text-editor\" data-id=\"46c3030\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"avd-ki avd-ki--button avd-ki--align-left\"\n\t\tdata-avd-ki\n\t\tdata-prompt=\"Please summarise the article at this URL for me: https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779291186\/\n\nUse at most 8 bullet points, in English. End with the 3 most important practical takeaways for someone considering a German retirement investment account (Altersvorsorgedepot). Article title: AVD Anbieter Vergleich\">\n\n\t\t<button type=\"button\"\n\t\t\tclass=\"avd-ki__trigger\"\n\t\t\tid=\"avd-ki-4250-btn\"\n\t\t\taria-expanded=\"false\"\n\t\t\taria-haspopup=\"true\"\n\t\t\taria-controls=\"avd-ki-4250-menu\">\n\t\t\t<span class=\"avd-ki__spark\" aria-hidden=\"true\">\n\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"currentColor\" d=\"M12 2.6 13.5 8a5 5 0 0 0 3.5 3.5l5.4 1.5-5.4 1.5A5 5 0 0 0 13.5 18L12 23.4 10.5 18A5 5 0 0 0 7 14.5L1.6 13 7 11.5A5 5 0 0 0 10.5 8L12 2.6ZM19.4 1l.6 2.1 2.1.6-2.1.6-.6 2.1-.6-2.1-2.1-.6 2.1-.6.6-2.1Z\"\/><\/svg>\n\t\t\t<\/span>\n\t\t\t<span class=\"avd-ki__label\">Summarise this article with AI<\/span>\n\t\t\t<span class=\"avd-ki__caret\" aria-hidden=\"true\">\n\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m6 9 6 6 6-6\"\/><\/svg>\n\t\t\t<\/span>\n\t\t<\/button>\n\n\t\t<div class=\"avd-ki__menu\"\n\t\t\tid=\"avd-ki-4250-menu\"\n\t\t\trole=\"menu\"\n\t\t\taria-labelledby=\"avd-ki-4250-btn\"\n\t\t\thidden>\n\t\t\t<p class=\"avd-ki__hint\">\u00d6ffnet den Artikel mit fertigem Prompt in:<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/chatgpt.com\/?hints=search&#038;q=Please%20summarise%20the%20article%20at%20this%20URL%20for%20me%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779291186%2FUse%20at%20most%208%20bullet%20points%2C%20in%20English.%20End%20with%20the%203%20most%20important%20practical%20takeaways%20for%20someone%20considering%20a%20German%20retirement%20investment%20account%20%28Altersvorsorgedepot%29.%20Article%20title%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"chatgpt\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M22.28 9.82a5.98 5.98 0 0 0-.52-4.91 6.05 6.05 0 0 0-6.5-2.9A6.06 6.06 0 0 0 4.98 3.8a5.98 5.98 0 0 0-4 2.9 6.05 6.05 0 0 0 .75 7.1 5.98 5.98 0 0 0 .51 4.91 6.05 6.05 0 0 0 6.51 2.9A5.98 5.98 0 0 0 13.26 24a6.06 6.06 0 0 0 5.77-4.21 5.99 5.99 0 0 0 4-2.9 6.06 6.06 0 0 0-.75-7.07Zm-9.02 12.6a4.48 4.48 0 0 1-2.88-1.04l.14-.08 4.78-2.76a.79.79 0 0 0 .39-.68v-6.74l2.02 1.17.02.04v5.58a4.5 4.5 0 0 1-4.47 4.5Zm-9.65-4.12a4.47 4.47 0 0 1-.54-3l.14.09 4.79 2.76a.78.78 0 0 0 .78 0l5.84-3.37v2.33a.08.08 0 0 1-.03.06l-4.84 2.79a4.5 4.5 0 0 1-6.14-1.64ZM2.34 7.9a4.48 4.48 0 0 1 2.35-1.97v5.68a.77.77 0 0 0 .38.67l5.83 3.36-2.02 1.17a.07.07 0 0 1-.07 0l-4.83-2.8a4.5 4.5 0 0 1-1.64-6.1Zm16.62 3.86-5.84-3.4L15.13 7.2a.07.07 0 0 1 .07 0l4.84 2.8a4.49 4.49 0 0 1-.68 8.1v-5.68a.78.78 0 0 0-.4-.67Zm2.01-3.02-.14-.09-4.78-2.79a.78.78 0 0 0-.79 0L9.43 9.23V6.9a.07.07 0 0 1 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class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/claude.ai\/new?q=Please%20summarise%20the%20article%20at%20this%20URL%20for%20me%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779291186%2FUse%20at%20most%208%20bullet%20points%2C%20in%20English.%20End%20with%20the%203%20most%20important%20practical%20takeaways%20for%20someone%20considering%20a%20German%20retirement%20investment%20account%20%28Altersvorsorgedepot%29.%20Article%20title%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"claude\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M4.71 15.15 9.4 12.5l.08-.23-.08-.13H9.2l-.79-.05-2.69-.07-2.33-.1-2.26-.12-.57-.12L0 10.97l.05-.35.48-.32.68.06 1.51.1 2.27.16 1.64.1 2.44.25h.39l.05-.16-.13-.1-.1-.09-2.36-1.6L4.36 7.3l-1.34-.98-.72-.49-.37-.46-.15-1.02.66-.73.88.06.23.06.9.69 1.92 1.49 2.5 1.84.37.3.15-.1.02-.08-.17-.28L7.83 3.9l-1.5-2.6-.67-1.07-.18-.64a3.1 3.1 0 0 1-.1-.75L6.13 0l.42.57.6 1.63.98 1.7 1.51 2.95.44.87.24.8.09.25h.15V8.9l.13-1.72.24-2.11.23-2.72.08-.76.38-.92.75-.5.59.29.48.69-.07.44-.29 1.9-.56 2.93-.37 1.96h.21l.25-.24 1-1.33 1.68-2.1.74-.83.87-.92.55-.44h1.05l.77 1.15-.35 1.18-1.08 1.37-.9 1.16-1.28 1.73-.8 1.38.07.11.19-.02 2.89-.61 1.56-.29 1.86-.31.85.39.09.4-.34.82-2 .5-2.35.47-3.5.83-.04.03.05.06 1.58.15.67.04h1.65l3.07.22.8.53.48.65-.08.49-1.23.63-1.67-.4-3.88-.92-1.33-.33h-.19v.11l1.11 1.08 2.03 1.83 2.54 2.37.13.59-.33.46-.35-.05-2.26-1.7-.87-.77-1.98-1.66h-.13v.18l.45.67 2.42 3.63.12 1.12-.17.36-.63.22-.69-.13-1.42-2-1.47-2.24-1.18-2.02-.15.09-.7 7.53-.33.38-.76.3-.63-.49-.34-.78.34-1.54.4-2 .33-1.6.3-1.97.18-.66-.01-.04-.14.02-1.5 2.05-2.27 3.07-1.8 1.92-.43.17-.75-.39.07-.69.42-.61 2.49-3.17 1.5-1.96.97-1.14-.01-.16h-.06L4.4 16.9l-1.15.15-.5-.46.07-.76.23-.25 1.94-1.33Z\" \/><\/svg><\/span>\n\t\t\t\t\t<span>Claude<\/span>\n\t\t\t\t\t<span class=\"avd-ki__ext\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M14 4h6v6M20 4l-9 9M18 14v5a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1V7a1 1 0 0 1 1-1h5\"\/><\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/www.perplexity.ai\/search\/new?q=Please%20summarise%20the%20article%20at%20this%20URL%20for%20me%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779291186%2FUse%20at%20most%208%20bullet%20points%2C%20in%20English.%20End%20with%20the%203%20most%20important%20practical%20takeaways%20for%20someone%20considering%20a%20German%20retirement%20investment%20account%20%28Altersvorsorgedepot%29.%20Article%20title%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"perplexity\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M12 2.5 5.2 7.4h2.3v6.9H5.2v3.4h5.4v3.8h1.6v-3.8h5.4v-3.4h-2.3V7.4h2.3L12 2.5Zm-.8 3.2v1.7H9l2.2-1.7Zm1.6 0 2.2 1.7h-2.2V5.7ZM9.1 8.9h1.5v5.4H9.1V8.9Zm4.3 0h1.5v5.4h-1.5V8.9Z\" \/><\/svg><\/span>\n\t\t\t\t\t<span>Perplexity<\/span>\n\t\t\t\t\t<span class=\"avd-ki__ext\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M14 4h6v6M20 4l-9 9M18 14v5a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1V7a1 1 0 0 1 1-1h5\"\/><\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/www.google.com\/search?udm=50&#038;aep=11&#038;q=Please%20summarise%20the%20article%20at%20this%20URL%20for%20me%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779291186%2FUse%20at%20most%208%20bullet%20points%2C%20in%20English.%20End%20with%20the%203%20most%20important%20practical%20takeaways%20for%20someone%20considering%20a%20German%20retirement%20investment%20account%20%28Altersvorsorgedepot%29.%20Article%20title%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"google\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M12 2.6 13.5 8a5 5 0 0 0 3.5 3.5l5.4 1.5-5.4 1.5A5 5 0 0 0 13.5 18L12 23.4 10.5 18A5 5 0 0 0 7 14.5L1.6 13 7 11.5A5 5 0 0 0 10.5 8L12 2.6Z\" \/><\/svg><\/span>\n\t\t\t\t\t<span>Google AI Mode<\/span>\n\t\t\t\t\t<span class=\"avd-ki__ext\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M14 4h6v6M20 4l-9 9M18 14v5a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1V7a1 1 0 0 1 1-1h5\"\/><\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/grok.com\/?q=Please%20summarise%20the%20article%20at%20this%20URL%20for%20me%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779291186%2FUse%20at%20most%208%20bullet%20points%2C%20in%20English.%20End%20with%20the%203%20most%20important%20practical%20takeaways%20for%20someone%20considering%20a%20German%20retirement%20investment%20account%20%28Altersvorsorgedepot%29.%20Article%20title%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"grok\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M6.1 15.4 14.8 4.2h3.1L7.9 17.9H4.8l1.3-2.5Zm11.8-4.1v8.5h-2.6v-5l2.6-3.5Z\" \/><\/svg><\/span>\n\t\t\t\t\t<span>Grok<\/span>\n\t\t\t\t\t<span class=\"avd-ki__ext\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M14 4h6v6M20 4l-9 9M18 14v5a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1V7a1 1 0 0 1 1-1h5\"\/><\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\n\t\t\t<button type=\"button\" class=\"avd-ki__item avd-ki__copy\" role=\"menuitem\">\n\t\t\t\t<span class=\"avd-ki__icon\">\n\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M9 9h10v10a1 1 0 0 1-1 1H9a1 1 0 0 1-1-1V9Z\"\/><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M16 6V5a1 1 0 0 0-1-1H5a1 1 0 0 0-1 1v10a1 1 0 0 0 1 1h1\"\/><\/svg>\n\t\t\t\t<\/span>\n\t\t\t\t<span class=\"avd-ki__copy-label\">Prompt kopieren<\/span>\n\t\t\t<\/button>\n\n\t\t\t<p class=\"avd-ki__note\">Es werden keine Daten an Dritte \u00fcbertragen, bevor Sie klicken.<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58f4399 e-flex e-con-boxed e-con e-parent\" data-id=\"58f4399\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60bb5c3 elementor-widget elementor-widget-text-editor\" data-id=\"60bb5c3\" 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 data-pm-slice=\"1 1 []\"><strong>The key points at a glance<\/strong><\/p>\n<ul data-pm-slice=\"3 3 []\">\n<li>\n<p>By default the Altersvorsorgedepot does without a capital guarantee, so that your money can work harder in the capital markets \u2013 the chance of a higher return than under the old Riester guarantee comes with real, short-term swings in value.<\/p>\n<\/li>\n<li>\n<p>Only broadly diversified, vetted ETFs and funds are permitted \u2013 speculative individual securities and cryptocurrencies are excluded.<\/p>\n<\/li>\n<li>\n<p>If your provider becomes insolvent, the assets in your securities account are legally protected as segregated fund assets.<\/p>\n<\/li>\n<li>\n<p>A statutory cost cap of 1.0 percent reduction in yield on the standard securities account provides additional protection against costly erosion of your returns.<\/p>\n<\/li>\n<li>\n<p>Before retirement begins, the standard securities account automatically shifts into lower-risk investments, and anyone wanting extra security can choose a guarantee product.<\/p>\n<\/li>\n<\/ul>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a026541 elementor-widget elementor-widget-keydesign-button\" data-id=\"a026541\" 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=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/#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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ae04a2 e-con-full e-flex e-con e-parent\" data-id=\"3ae04a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f85655 elementor-widget elementor-widget-text-editor\" data-id=\"5f85655\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-pm-slice=\"1 1 []\">Why the Altersvorsorgedepot is safe<\/h2>\n<p>The fact that the Altersvorsorgedepot does not yet exist in practice makes the question of safety an understandable one \u2013 but the legal guardrails are already set before the first account is opened. An Altersvorsorgedepot may hold only broadly diversified <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/etfs-in-the-altersvorsorgedepot-the-heart-of-the-new-retirement-provision\/\" target=\"_blank\" rel=\"noopener noreferrer\">ETFs and funds<\/a> as well as certain bonds \u2013 speculative individual stocks, structured certificates, and cryptocurrencies are excluded by law. Your capital is also protected if the provider becomes insolvent: the funds in your securities account legally count as segregated fund assets, strictly separated from the assets of your bank or broker. If the provider goes insolvent, your capital does not form part of the bankruptcy estate; it remains your property and transfers unchanged to another provider. This protection covers the legal allocation only, not the market value \u2013 the price risk continues regardless. Only the cash portion not yet invested, held in your settlement account, sits on the balance sheet of the bank running the account and therefore falls not under the protection for segregated fund assets but under the statutory deposit guarantee scheme \u2013 covered, as with any bank account, up to \u20ac100,000 per investor and institution.<\/p>\n<p>In addition, a statutory cost cap limits the erosion of returns: according to the <a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/FAQ\/reform-der-privaten-altersvorsorge.html\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Ministry of Finance FAQ on the reform of private retirement provision<\/a> the average annual reduction in return caused by costs may not exceed 1.0 percent for default standard product contracts \u2013 with a 5 percent return before costs, roughly 4 percent net would remain. To make sure this cap is actually observed, every contract \u2013 including the standard securities account \u2013 must be certified by the Federal Central Tax Office under the Retirement Provision Contracts Certification Act: the review checks whether the contract meets the statutory requirements. This certification does not, however, replace ongoing supervision of each provider&#8217;s financial soundness, as the Federal Ministry of Finance makes explicit in its FAQ. Anyone wanting the combination of vetted funds and capped costs without making their own selection will find it ready-made in the <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/default-standard-product-the-low-cost-basic-account-in-the-altersvorsorgedepot\/\" target=\"_blank\" rel=\"noopener noreferrer\">standard securities account<\/a> by default. Before retirement begins, a legally mandated <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/lifecycle-model-in-the-altersvorsorgedepot-the-glidepath-explained-simply\/\" target=\"_blank\" rel=\"noopener noreferrer\">lifecycle model<\/a> also shifts your capital step by step into lower-risk investments, and a drawdown plan in the <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/decumulation-phase\/\" target=\"_blank\" rel=\"noopener noreferrer\">decumulation phase<\/a> spreads the later withdrawals over several years. And if security matters more to you than the chance of a return: the <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/contribution-guarantee-in-the-altersvorsorgedepot-optional-instead-of-mandatory\/\" target=\"_blank\" rel=\"noopener noreferrer\">contribution guarantee<\/a> is dropped in the standard securities account, but remains available with guarantee products offering partial or full capital preservation.<\/p>\n<p><strong>In short:<\/strong> Vetted funds, legally secured protection against insolvency, and a statutory cost cap mean your capital is structurally well looked after \u2013 regardless of how prices develop.<\/p>\n<h2>\u00a0<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2782f7e e-con-full e-flex e-con e-parent\" data-id=\"2782f7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1a635d elementor-widget elementor-widget-text-editor\" data-id=\"c1a635d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-pm-slice=\"1 1 []\">Where the risks lie<\/h2>\n<p>Without a capital guarantee your money can work harder in the capital markets, but it will not necessarily exceed the amount paid in every year: in the short term the value of your securities account can fluctuate and at times fall below the sum you have contributed. Over very long periods, price swings in equity markets have historically evened out as a rule \u2013 but that evening-out only applies if you do not sell during a weak phase, because a loss becomes final only when you actually realize it. After the 2008\/2009 financial crisis, for example, the DAX fell by around 50 percent but regained its pre-crisis level by 2013 \u2013 anyone who sold at the low made the loss permanent; anyone who stayed invested did not. There is no guarantee of such a recovery in any case \u2013 and this very trade-off between security and return is one of the central <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/altersvorsorgedepot-advantages-and-disadvantages-what-speaks-for-it-and-what-does-not\/\" target=\"_blank\" rel=\"noopener noreferrer\">advantages and disadvantages of the Altersvorsorgedepot<\/a>.<\/p>\n<p>A second risk concerns timing: if a market slump hits precisely in the final years before retirement, there is less time to make it up than after a comparable slump in the middle of the accumulation phase. The automatic lifecycle model softens this so-called sequence-of-returns risk, but does not remove it entirely.<\/p>\n<p>A third risk is legal in nature: the key parameters \u2013 subsidy rates, cost cap, payout rules \u2013 are set out in the <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/retirement-provision-reform-act-altersvorsorgereformgesetz-the-law-behind-the-altersvorsorgedepot\/\" target=\"_blank\" rel=\"noopener noreferrer\">Retirement Provision Reform Act<\/a> and are therefore already fixed in law. Individual implementation details, such as the specific design of the public standard securities account by statutory regulation, have not yet been conclusively settled, so details could still shift slightly before the 2027 launch.<\/p>\n<p><strong>In short:<\/strong> The real risk is market risk without a capital guarantee \u2013 historically this has evened out over long periods, and for the critical phase shortly before retirement the automatic lifecycle model provides additional protection.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-032eefc e-con-full e-flex e-con e-child\" data-id=\"032eefc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-597af60 elementor-widget elementor-widget-text-editor\" data-id=\"597af60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-pm-slice=\"1 1 []\">Conclusion<\/h2>\n<p>The question &#8220;is the Altersvorsorgedepot safe?&#8221; can be answered with yes \u2013 but only if you say what exactly that means. Against provider insolvency and excessive costs, the law protects you concretely. Against market fluctuations, nobody protects you in the default case; what does is a long investment horizon, an automatic lifecycle model, and the option of deliberately choosing a guarantee product. Giving up the old Riester guarantee is at the same time the chance of a higher return \u2013 how much security is worth to you is ultimately your decision.<\/p>\n<p><strong>Join the waiting list now, with no obligation,<\/strong> and be the first to know as soon as providers can be compared for the 2027 launch of the Altersvorsorgedepot.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1840603 elementor-widget elementor-widget-keydesign-button\" data-id=\"1840603\" 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=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/#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 class=\"elementor-element elementor-element-24cca56 elementor-widget elementor-widget-text-editor\" data-id=\"24cca56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\n<p><em>This article is for information purposes and does not constitute investment advice.<\/em><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdf1c50 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"bdf1c50\" 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\">Frequently asked questions<\/span><h2 class=\"kd-heading__title\">FAQ on the safety of the Altersvorsorgedepot<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8daab01 elementor-widget elementor-widget-avdu_faq\" data-id=\"8daab01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"avdu_faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"avdu-faq e-n-accordion\" aria-label=\"Frequently asked questions\"><details id=\"avdu-faq-8daab01-1\" class=\"e-n-accordion-item avdu-faq__item\"><summary class=\"e-n-accordion-item-title avdu-faq__title\" tabindex=\"0\"><span class=\"e-n-accordion-item-title-header avdu-faq__header\"><h3 class=\"e-n-accordion-item-title-text avdu-faq__question\">Is my money in the Altersvorsorgedepot gone if prices fall?<\/h3><\/span><span class=\"e-n-accordion-item-title-icon avdu-faq__icon\"><span class=\"e-opened\"><svg aria-hidden=\"true\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" 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\"\/><\/svg><\/span><span class=\"e-closed\"><svg aria-hidden=\"true\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" 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\"\/><\/svg><\/span><\/span><\/summary><div class=\"avdu-faq__body\" role=\"region\" aria-labelledby=\"avdu-faq-8daab01-1\"><p>Not automatically: price losses temporarily reduce the value of your securities account, but with a long investment horizon they are part of a market-based investment and have historically been made up again as a rule. Money is definitively lost only if you actually have to sell or withdraw during a period of losses.<\/p><\/div><\/details><details id=\"avdu-faq-8daab01-2\" class=\"e-n-accordion-item avdu-faq__item\"><summary class=\"e-n-accordion-item-title avdu-faq__title\" tabindex=\"0\"><span class=\"e-n-accordion-item-title-header avdu-faq__header\"><h3 class=\"e-n-accordion-item-title-text avdu-faq__question\">Is there a guarantee option in the Altersvorsorgedepot at all?<\/h3><\/span><span class=\"e-n-accordion-item-title-icon avdu-faq__icon\"><span class=\"e-opened\"><svg aria-hidden=\"true\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" 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\"\/><\/svg><\/span><span class=\"e-closed\"><svg aria-hidden=\"true\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" 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\"\/><\/svg><\/span><\/span><\/summary><div class=\"avdu-faq__body\" role=\"region\" aria-labelledby=\"avdu-faq-8daab01-2\"><p>Yes. Alongside the return-oriented standard securities account without a guarantee, you can opt for a guarantee product with partial or full capital preservation if security matters more to you than maximum return potential.<\/p><\/div><\/details><details id=\"avdu-faq-8daab01-3\" class=\"e-n-accordion-item avdu-faq__item\"><summary class=\"e-n-accordion-item-title avdu-faq__title\" tabindex=\"0\"><span class=\"e-n-accordion-item-title-header avdu-faq__header\"><h3 class=\"e-n-accordion-item-title-text avdu-faq__question\">What happens to my Altersvorsorgedepot if the market crashes shortly before I retire?<\/h3><\/span><span class=\"e-n-accordion-item-title-icon avdu-faq__icon\"><span class=\"e-opened\"><svg aria-hidden=\"true\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" 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\"\/><\/svg><\/span><span class=\"e-closed\"><svg aria-hidden=\"true\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" 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\"\/><\/svg><\/span><\/span><\/summary><div class=\"avdu-faq__body\" role=\"region\" aria-labelledby=\"avdu-faq-8daab01-3\"><p>In the standard securities account, a legally mandated lifecycle model automatically shifts your assets into lower-risk investments in the final years before retirement, and a drawdown plan then spreads withdrawals over several years \u2013 a single unfavorable moment therefore carries less weight.<\/p><\/div><\/details><details id=\"avdu-faq-8daab01-4\" class=\"e-n-accordion-item avdu-faq__item\"><summary class=\"e-n-accordion-item-title avdu-faq__title\" tabindex=\"0\"><span class=\"e-n-accordion-item-title-header avdu-faq__header\"><h3 class=\"e-n-accordion-item-title-text avdu-faq__question\">What happens to my Altersvorsorgedepot if the provider becomes insolvent?<\/h3><\/span><span class=\"e-n-accordion-item-title-icon avdu-faq__icon\"><span class=\"e-opened\"><svg aria-hidden=\"true\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" 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\"\/><\/svg><\/span><span class=\"e-closed\"><svg aria-hidden=\"true\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" 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\"\/><\/svg><\/span><\/span><\/summary><div class=\"avdu-faq__body\" role=\"region\" aria-labelledby=\"avdu-faq-8daab01-4\"><p>Your securities account assets legally count as segregated fund assets and are therefore separate from the provider's insolvency estate. They remain your property and can be transferred unchanged to another provider.<\/p><\/div><\/details><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a4ae9c elementor-widget elementor-widget-shortcode\" data-id=\"4a4ae9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"1779291203\" class=\"elementor elementor-1779291203 elementor-1779288339 elementor-1779288339\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b67f0ea e-con-full e-flex e-con e-child\" data-id=\"1b67f0ea\" 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-18d53674 e-con-full e-flex e-con e-child\" data-id=\"18d53674\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-29e4a3e3 e-con-full e-flex e-con e-child\" data-id=\"29e4a3e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3040b9c1 kd-section-title animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"3040b9c1\" 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\"><h5 class=\"kd-heading__title\">About the author<\/h5><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2449a1d1 elementor-widget elementor-widget-keydesign-heading\" data-id=\"2449a1d1\" 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\"><p class=\"kd-heading__title\">Rolf Henning Hackel<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1840a956 elementor-widget elementor-widget-text-editor\" data-id=\"1840a956\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Lawyer &amp; financial market expert \u00b7 AVD Anbieter Vergleich<\/strong><\/p><p>Rolf Henning Hackel is a qualified lawyer who has spent more than 22 years as a board member and managing director at various software providers to the financial industry, and as a founder himself. As a thorough market expert he knows not only the different providers but also the financial industry&#8217;s products, their strengths and weaknesses, and the regulatory framework around them. At AVD Anbieter Vergleich he writes about the new Altersvorsorgedepot and explains subsidies, providers and return potential in plain language \u2014 independently and free of advertising.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-044c071 e-grid-align-left elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"044c071\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-8b8e0a1\" href=\"https:\/\/de.linkedin.com\/in\/rolf-henning-hackel-03a41283\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" 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viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-list elementor-repeater-item-4611994\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/altersvorsorgedepot-2027-facts\/\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">List<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-list\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M80 368H16a16 16 0 0 0-16 16v64a16 16 0 0 0 16 16h64a16 16 0 0 0 16-16v-64a16 16 0 0 0-16-16zm0-320H16A16 16 0 0 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data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel.webp\" class=\"attachment-large size-large wp-image-1779291204\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel-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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Yes, 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.<\/p>\n","protected":false},"author":2,"featured_media":1779295534,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","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":"Is the Altersvorsorgedepot safe? | AVD Comparison","_metasync_seo_desc":"Segregated fund assets protect you if a provider goes insolvent, single stocks and crypto are excluded, effective costs are capped at 1.0 percent. A capital guarantee only on request.","_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":""},"categories":[66],"tags":[],"class_list":["post-1779291186","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779291186","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/comments?post=1779291186"}],"version-history":[{"count":236,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779291186\/revisions"}],"predecessor-version":[{"id":1779295540,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779291186\/revisions\/1779295540"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media\/1779295534"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779291186"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/categories?post=1779291186"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/tags?post=1779291186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}