{"id":1779292172,"date":"2026-08-07T11:44:33","date_gmt":"2026-08-07T11:44:33","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-en-us\/altersvorsorgedepot-at-your-primary-bank-what-speaks-for-it-and-what-against\/"},"modified":"2026-09-24T10:54:35","modified_gmt":"2026-09-24T10:54:35","slug":"altersvorsorgedepot-at-your-primary-bank-what-speaks-for-it-and-what-against","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/altersvorsorgedepot-at-your-primary-bank-what-speaks-for-it-and-what-against\/","title":{"rendered":"Altersvorsorgedepot at your primary bank: what speaks for it and what against"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779292172\" class=\"elementor elementor-1779292172 elementor-1779290282\">\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=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2148448745.webp\" class=\"attachment-full size-full wp-image-1779292173\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2148448745.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2148448745-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2148448745-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2148448745-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2148448745-710x710.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-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 []\">From 1 January 2027 the Altersvorsorgedepot \u2013 the successor to the Riester pension \u2013 calls for an active decision for the first time: which provider should it be? Anyone who instead simply signs whatever their primary bank proposes may leave several thousand euros on the table over 30 years. That is because with this new product the primary bank is rarely neutrally positioned, and that is precisely what helps determine the actual return in the end.<\/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=\"Fasse den Artikel unter dieser URL f\u00fcr mich zusammen: https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292172\/\n\nBitte in maximal 8 Stichpunkten, auf Deutsch. Nenne am Ende die 3 wichtigsten praktischen Erkenntnisse f\u00fcr jemanden, der sich f\u00fcr ein Altersvorsorgedepot interessiert. Titel des Artikels: AVD Anbieter Vergleich\">\n\n\t\t<button type=\"button\"\n\t\t\tclass=\"avd-ki__trigger\"\n\t\t\tid=\"avd-ki-2487-btn\"\n\t\t\taria-expanded=\"false\"\n\t\t\taria-haspopup=\"true\"\n\t\t\taria-controls=\"avd-ki-2487-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\">Artikel mit KI zusammenfassen<\/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-2487-menu\"\n\t\t\trole=\"menu\"\n\t\t\taria-labelledby=\"avd-ki-2487-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=Fasse%20den%20Artikel%20unter%20dieser%20URL%20f%C3%BCr%20mich%20zusammen%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779292172%2FBitte%20in%20maximal%208%20Stichpunkten%2C%20auf%20Deutsch.%20Nenne%20am%20Ende%20die%203%20wichtigsten%20praktischen%20Erkenntnisse%20f%C3%BCr%20jemanden%2C%20der%20sich%20f%C3%BCr%20ein%20Altersvorsorgedepot%20interessiert.%20Titel%20des%20Artikels%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 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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=Fasse%20den%20Artikel%20unter%20dieser%20URL%20f%C3%BCr%20mich%20zusammen%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779292172%2FBitte%20in%20maximal%208%20Stichpunkten%2C%20auf%20Deutsch.%20Nenne%20am%20Ende%20die%203%20wichtigsten%20praktischen%20Erkenntnisse%20f%C3%BCr%20jemanden%2C%20der%20sich%20f%C3%BCr%20ein%20Altersvorsorgedepot%20interessiert.%20Titel%20des%20Artikels%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 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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=Fasse%20den%20Artikel%20unter%20dieser%20URL%20f%C3%BCr%20mich%20zusammen%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779292172%2FBitte%20in%20maximal%208%20Stichpunkten%2C%20auf%20Deutsch.%20Nenne%20am%20Ende%20die%203%20wichtigsten%20praktischen%20Erkenntnisse%20f%C3%BCr%20jemanden%2C%20der%20sich%20f%C3%BCr%20ein%20Altersvorsorgedepot%20interessiert.%20Titel%20des%20Artikels%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=Fasse%20den%20Artikel%20unter%20dieser%20URL%20f%C3%BCr%20mich%20zusammen%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779292172%2FBitte%20in%20maximal%208%20Stichpunkten%2C%20auf%20Deutsch.%20Nenne%20am%20Ende%20die%203%20wichtigsten%20praktischen%20Erkenntnisse%20f%C3%BCr%20jemanden%2C%20der%20sich%20f%C3%BCr%20ein%20Altersvorsorgedepot%20interessiert.%20Titel%20des%20Artikels%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=Fasse%20den%20Artikel%20unter%20dieser%20URL%20f%C3%BCr%20mich%20zusammen%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779292172%2FBitte%20in%20maximal%208%20Stichpunkten%2C%20auf%20Deutsch.%20Nenne%20am%20Ende%20die%203%20wichtigsten%20praktischen%20Erkenntnisse%20f%C3%BCr%20jemanden%2C%20der%20sich%20f%C3%BCr%20ein%20Altersvorsorgedepot%20interessiert.%20Titel%20des%20Artikels%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 class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>The key points at a glance<\/strong><\/p>\n<ul data-pm-slice=\"3 3 []\">\n<li>\n<p>The Altersvorsorgedepot is a state-subsidized securities account; each certified provider sets its own specific terms.<\/p>\n<\/li>\n<li>\n<p>As a rule the primary bank sells only its own product, and a genuine market comparison usually does not take place there.<\/p>\n<\/li>\n<li>\n<p>According to market estimates, the gap between low-cost and expensive providers is often 0.7 percentage points in costs per year or more, which adds up considerably over decades.<\/p>\n<\/li>\n<li>\n<p>A neutral second opinion provides a market overview and cost transparency and saves time on research.<\/p>\n<\/li>\n<\/ul>\n<p data-pm-slice=\"1 1 []\">A halal Altersvorsorgedepot is a securities account in which only funds certified according to Islamic principles are used, for example equity ETFs without interest income and without any involvement in prohibited industries. Certification is carried out by an independent Sharia board.<\/p>\n<p data-pm-slice=\"1 1 []\"><strong>In short:<\/strong> With the Altersvorsorgedepot it is not only the investment itself that determines the later return, but also the choice of provider. That is why it pays to look beyond your primary bank.<\/p>\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\n<h2 data-pm-slice=\"1 1 []\">Why the choice of provider carries so much weight with the Altersvorsorgedepot<\/h2>\n<p>The Altersvorsorgedepot allows investment in ETFs, funds and bonds and in return brings allowances as well as tax advantages. During the accumulation phase the savings do not have to be taxed. Legislators set out a subsidy framework but leave costs, ETF selection and service entirely to the market \u2013 every certified provider may set its own terms.<\/p>\n<p>For savers this means that the return depends not only on how well the capital market develops, but also on which provider holds the securities account. Two identical ETF savings plans can build up noticeably different amounts of capital over 30 years, purely because of the account costs.<\/p>\n<h2>Is your primary bank automatically the best choice for the Altersvorsorgedepot?<\/h2>\n<p>The primary bank is the obvious first point of contact: you know the adviser, a current account already exists, no new address has to be entered. This convenience does come at a price, however.<\/p>\n<h3>Conflict of interest in the advice<\/h3>\n<p>The bank adviser in the branch usually recommends the bank&#8217;s own product, not necessarily the offer that is objectively cheapest or the best fit.<\/p>\n<h3>Higher costs in the branch<\/h3>\n<p>Branch banks often calculate their securities account fees considerably higher than direct banks or neobrokers, because they also have to finance a branch network and in-person advice.<\/p>\n<h3>Limited selection of products<\/h3>\n<p>Often only a single, in-house Altersvorsorgedepot is offered. In that case a comparison with other providers does not take place at all.<\/p>\n<h3>No market overview<\/h3>\n<p>A single bank adviser naturally knows primarily their own terms, not the entire provider landscape.<\/p>\n<p>That does not mean that the primary bank generally makes a poor offer. Structurally, however, it is not set up to find the best solution for the individual saver, but first and foremost its own.<\/p>\n<p><strong>In short: <\/strong>Familiarity and a personal contact are real values. For a pure cost comparison between providers, however, the primary bank is rarely the right address, since as a rule it only has its own products in its portfolio.<\/p>\n<h2>What an independent, neutral review does differently<\/h2>\n<p>An independent body does not sell a retirement product of its own but places the offers of different providers side by side. This brings several tangible advantages.<\/p>\n<h3>Market overview instead of a single offer<\/h3>\n<p>Instead of reviewing just one product, you can compare branch banks, direct banks, neobrokers and 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\">state standard securities account<\/a> at a glance \u2013 by costs, ETF selection, handling of the allowances and usability.<\/p>\n<h3>Cost transparency over the entire term<\/h3>\n<p>With a product that runs for decades, the cost ratio largely determines the final balance. An independent comparison makes these differences visible instead of hiding them in schedules of prices and services.<\/p>\n<h3>No tie to a single institution<\/h3>\n<p>Anyone who does not rely on the offer of a single institution can choose the provider that fits their own needs \u2013 for example particularly low costs, a broad ETF selection or a simple app.<\/p>\n<h3>Up-to-date information in a young market<\/h3>\n<p>Because the provider market for the Altersvorsorgedepot is only just taking shape, terms change frequently. A specialized comparison can incorporate such changes promptly, whereas a bank adviser primarily keeps an eye on their own rates.<\/p>\n<h3>Time saved on research<\/h3>\n<p>Instead of trekking round several bank branches or reading through schedules of prices and services one by one, the research can be bundled in one place.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ebee07a animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"ebee07a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d7809b6 e-con-full e-flex e-con e-child\" data-id=\"d7809b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3905baa animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"3905baa\" 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\">calculator<\/span><h3 class=\"kd-heading__title\">What does the Altersvorsorgedepot give you?<\/h3><div class=\"kd-heading__desc\"><p>Subsidy, tax advantage and potential account value in under a minute, using your own figures.<\/p><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-499b774 e-con-full e-flex e-con e-child\" data-id=\"499b774\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4325a8a animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"4325a8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" 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=\"Calculate your subsidy now!\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wpa-stats\/altersvorsorgedepot-rechner\/\"><span class=\"kd-button__label\">Calculate your subsidy now!<\/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-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\n<h2 data-pm-slice=\"1 1 []\">How big is the cost difference between the types of provider?<\/h2>\n<p>How wide the range in <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/reduction-in-yield-riy-in-the-altersvorsorgedepot-what-you-need-to-know\/\" target=\"_blank\" rel=\"noopener noreferrer\">securities account costs<\/a> between the types of provider can be is shown by the following overview, based on current market estimates (as of mid-2026; final terms will only be set with the official market launch on 1 January 2027):<\/p>\n<table><colgroup><col \/><col \/><col \/><col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">\n<p>Type of provider<\/p>\n<\/th>\n<th colspan=\"1\" rowspan=\"1\">\n<p>Typical securities account costs p.a.<\/p>\n<\/th>\n<th colspan=\"1\" rowspan=\"1\">\n<p>Selection of ETFs\/funds<\/p>\n<\/th>\n<th colspan=\"1\" rowspan=\"1\">\n<p>How you sign up<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">\n<p>Branch bank \/ primary bank<\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<p>approx. 0.8% \u2013 1.0%<\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<p>usually limited, often only the bank&#8217;s own products<\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<p>advisory appointment on site<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">\n<p>Direct bank<\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<p>approx. 0.15% \u2013 0.25%<\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<p>broad, usually several hundred ETFs<\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<p>online, usually without advice<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">\n<p>Neobroker<\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<p>approx. 0.0% \u2013 0.3%<\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<p>very broad, often 1,000+ ETFs<\/p>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<p>fully digital, a few minutes<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Example calculation:<\/strong> With an account value of \u20ac20,000, a difference of 0.7 percentage points per year amounts to around <strong>\u20ac140<\/strong> in extra costs, and that every single year. Over decades this adds up, through the <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/compound-interest-in-the-altersvorsorgedepot-why-starting-early-changes-everything\/\" target=\"_blank\" rel=\"noopener noreferrer\">compound interest effect<\/a> to a solidly five-figure amount.<\/p>\n<h2 data-pm-slice=\"1 1 []\">Conclusion: familiarity is no substitute for a market overview<\/h2>\n<p>The primary bank scores with familiarity and a personal contact. For people who value individual advice, that is very valuable. But anyone who wants to keep an eye on the costs of the Altersvorsorgedepot over the entire term and get to know the full range of providers can hardly avoid a neutral second opinion: more transparency, more choice and, in the end, a provider that fits your own needs rather than the other way round.<\/p>\n<p><strong>Join the waiting list now and be informed as soon as the market overview of the first <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/providers\/\" target=\"_blank\" rel=\"noopener noreferrer\">providers<\/a> is available.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2c14d6 elementor-widget elementor-widget-keydesign-button\" data-id=\"b2c14d6\" 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-ddde3c7 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"ddde3c7\" 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 Altersvorsorgedepot at your primary bank<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-790f0d7 elementor-widget elementor-widget-n-accordion\" data-id=\"790f0d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&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-1260\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1260\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is the primary bank always the most expensive option for the Altersvorsorgedepot? <\/h3><\/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-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-1260\" class=\"elementor-element elementor-element-5c3c0f4 e-con-full e-flex e-con e-child\" data-id=\"5c3c0f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d93875 elementor-widget elementor-widget-text-editor\" data-id=\"9d93875\" 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>Not necessarily, but branch banks calculate their securities account costs higher on average than direct banks or neobrokers, because they have to finance a branch network and in-person advice as well. An individual comparison is always worthwhile nonetheless.<\/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-1261\" 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-1261\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Can I still switch providers for the Altersvorsorgedepot later on? <\/h3><\/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-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-1261\" class=\"elementor-element elementor-element-e328284 e-con-full e-flex e-con e-child\" data-id=\"e328284\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cad7d47 elementor-widget elementor-widget-text-editor\" data-id=\"cad7d47\" 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>Yes, switching providers is fundamentally provided for with the Altersvorsorgedepot. So anyone who opts for their primary bank at the start is not tied to it permanently.<\/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-1262\" 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-1262\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What should I pay particular attention to when choosing a provider for the Altersvorsorgedepot? <\/h3><\/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-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-1262\" class=\"elementor-element elementor-element-1dca2b3 e-con-full e-flex e-con e-child\" data-id=\"1dca2b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17e748d elementor-widget elementor-widget-text-editor\" data-id=\"17e748d\" 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 most important points are the ongoing securities account costs, the breadth of the ETF selection, the handling of the allowances and the usability of the app or platform.<\/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-1263\" 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-1263\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Why are provider terms for the Altersvorsorgedepot changing so frequently right now? <\/h3><\/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-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-1263\" class=\"elementor-element elementor-element-2551bb6 e-con-full e-flex e-con e-child\" data-id=\"2551bb6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea698a0 elementor-widget elementor-widget-text-editor\" data-id=\"ea698a0\" 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 provider market is only just taking shape, since the products can officially be signed from 1 January 2027. An up-to-date comparison reflects this development better than a single bank adviser.<\/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-1264\" 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-1264\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Do you lose money if you decide on your primary bank too hastily? <\/h3><\/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-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/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-1264\" class=\"elementor-element elementor-element-b046a13 e-con-full e-flex e-con e-child\" data-id=\"b046a13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8f954e elementor-widget elementor-widget-text-editor\" data-id=\"f8f954e\" 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>Not necessarily, but higher ongoing costs have a noticeable effect on the final balance over a term of 20 to 30 years. A comparison before signing protects you from unnecessary extra costs.<\/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\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9e5201 elementor-widget elementor-widget-shortcode\" data-id=\"c9e5201\" 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=\"1779288339\" class=\"elementor 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\">\u00dcber den Autor<\/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>Jurist &amp; Finanzmarktexperte \u00b7 AVD Anbieter Vergleich<\/strong><\/p><p>Rolf Henning Hackel ist Diplom-Jurist und seit \u00fcber 22 Jahren als Vorstand und Gesch\u00e4ftsf\u00fchrer f\u00fcr unterschiedliche Softwaredienstleister der Finanzbranche sowie als Unternehmensgr\u00fcnder t\u00e4tig. Als absoluter Marktexperte kennt er nicht nur die verschiedenen Anbieter, sondern auch die Produkte der Finanzindustrie mit ihren St\u00e4rken und Schw\u00e4chen sowie deren regulatorischen Rahmen. Beim AVD Anbieter Vergleich schreibt er \u00fcber das neue Altersvorsorgedepot und erkl\u00e4rt F\u00f6rderung, Anbieter und Renditechancen in verst\u00e4ndlichen Worten \u2013 unabh\u00e4ngig und werbefrei.<\/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\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/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-user elementor-repeater-item-bcbec36\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/ueber-uns\/\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">User<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" 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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","protected":false},"excerpt":{"rendered":"<p>From 1 January 2027 the Altersvorsorgedepot (Germany&#8217;s state-subsidized retirement investment account) \u2013 the successor to the Riester pension \u2013 calls for an active decision for the first time: which provider should it be?<\/p>\n","protected":false},"author":2,"featured_media":1779292173,"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":"","_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":""},"categories":[66],"tags":[],"class_list":["post-1779292172","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\/1779292172","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=1779292172"}],"version-history":[{"count":30,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292172\/revisions"}],"predecessor-version":[{"id":1779292606,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292172\/revisions\/1779292606"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media\/1779292173"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779292172"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/categories?post=1779292172"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/tags?post=1779292172"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}