{"id":1779292215,"date":"2026-08-01T08:26:14","date_gmt":"2026-08-01T08:26:14","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-en-us\/halal-altersvorsorgedepot-does-a-sharia-compliant-etf-fit-into-the-subsidized-securities-account\/"},"modified":"2026-09-24T10:54:37","modified_gmt":"2026-09-24T10:54:37","slug":"halal-altersvorsorgedepot-does-a-sharia-compliant-etf-fit-into-the-subsidized-securities-account","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/halal-altersvorsorgedepot-does-a-sharia-compliant-etf-fit-into-the-subsidized-securities-account\/","title":{"rendered":"Halal Altersvorsorgedepot: does a Sharia-compliant ETF fit into the subsidized securities account?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779292215\" class=\"elementor elementor-1779292215 elementor-1779290188\">\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=\"1080\" height=\"1080\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt.webp\" class=\"attachment-full size-full wp-image-1779292216\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt.webp 1080w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt-1024x1024.webp 1024w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt-710x710.webp 710w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\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 []\">Millions of Muslims in Germany are in work, pay taxes and are therefore in principle eligible for the subsidy under the new Altersvorsorgedepot. Even so, many of them face a question that is missing from most coverage of the topic: can the securities account be reconciled with their own religious principles at all?<\/p>\n<p>This question is no footnote. Without a clear answer and without the option of searching specifically for suitable products, part of the population remains effectively excluded from one of the most generous government subsidies of recent decades. We show you what matters in a Sharia-compliant Altersvorsorgedepot.<\/p>\n<p>\u00a0<\/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\/1779292215\/\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-4640-btn\"\n\t\t\taria-expanded=\"false\"\n\t\t\taria-haspopup=\"true\"\n\t\t\taria-controls=\"avd-ki-4640-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-4640-menu\"\n\t\t\trole=\"menu\"\n\t\t\taria-labelledby=\"avd-ki-4640-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%2F1779292215%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%2F1779292215%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 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=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%2F1779292215%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%2F1779292215%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%2F1779292215%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>An Altersvorsorgedepot can in principle also be funded in a Sharia-compliant way, provided the chosen ETF is certified accordingly.<\/p>\n<\/li>\n<li>\n<p>Sharia-compliant means above all: no interest-based business (Riba), no prohibited sectors (Haram) and no highly speculative structures (Gharar).<\/p>\n<\/li>\n<li>\n<p>A &#8220;sustainable&#8221; or ESG label is no substitute for Sharia certification. The two sets of criteria only partly overlap.<\/p>\n<\/li>\n<li>\n<p>Without a targeted comparison, every provider has to be checked individually to see whether a halal fund is included in its savings plan range.<\/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><\/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 []\">What does &#8220;Sharia-compliant&#8221; mean when investing?<\/h2>\n<p>For devout Muslims, investing is subject to religious rules that go beyond general sustainability criteria. Four principles are central here.<\/p>\n<p><strong>Prohibition of interest (Riba):<\/strong> Investments that are predominantly based on interest income are not permitted. That applies to classic bonds just as much as to heavily indebted companies or conventional banks and insurers.<\/p>\n<p><strong>Exclusion of certain sectors (Haram):<\/strong> Companies in the fields of alcohol, gambling, pork processing, pornography and armaments are ruled out. The same applies to conventional, non-Islamic banking and insurance, because their business model is centrally based on interest income.<\/p>\n<p><strong>Debt limits and income screening:<\/strong> Even companies that are permissible in principle are additionally screened using metrics such as the ratio of debt to enterprise value. If a company has a small share of impermissible income, that share is deducted in the calculation and donated to charity (purification).<\/p>\n<p><strong>No speculative principle (Gharar):<\/strong> Highly speculative or opaque structures are considered problematic. In substance this even overlaps with the general investor protection thinking behind the Altersvorsorgedepot.<\/p>\n<p><strong>In short:<\/strong> Sharia-compliant means in concrete terms: no interest-based business, no prohibited sectors, screened debt limits and no Gharar. An independent Sharia board confirms this through certification; an ESG seal is not enough for it.<\/p>\n<h2>Does a halal ETF fit into the Altersvorsorgedepot at all?<\/h2>\n<p>The good news first: legally there is little to argue against it. The Altersvorsorgedepot works with a positive list defined by law that permits broadly diversified funds in risk classes 1 to 5 (according to the Synthetic Risk and Reward Indicator, SRRI).<\/p>\n<p>Sharia-compliant equity ETFs, for instance investment funds tracking the MSCI World Islamic Index, are structurally quite ordinary, broadly diversified index funds. At their core they differ from conventional global ETFs only in the religiously motivated selection and weighting of the companies they contain, not in risk class or fund structure. One example for context, not a recommendation: the iShares MSCI World Islamic UCITS ETF has been regularly tradable in Germany for years<mark data-color=\"#FFFFFF\">.<\/mark><\/p>\n<p>Whether a particular provider actually includes such a fund in its securities account savings plan range is another matter. That is precisely the point at which the real research work begins for you as a saver.<\/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 []\">Why it is worth taking a close look at what providers offer<\/h2>\n<p>Without a way of searching specifically for Sharia-compliant products, every provider would have to be searched individually to see whether a halal ETF is included in its savings plan universe at all. For lay people that means an enormous amount of research.<\/p>\n<p>If that option is missing, a real dilemma arises: either give up the attractive government subsidy of up to \u20ac540 in basic allowance plus child allowance per year, or invest against your own religious principles. Both are a poor outcome for a product that is expressly intended for broad sections of the population.<\/p>\n<p>A plain yes-or-no statement is not enough here. Information such as the specific Sharia board, the certification body, the methodology for purifying income and the ongoing costs is also relevant.<\/p>\n<p>A targeted comparison achieves more than just giving you personal orientation. If demand for halal options becomes visible and comparable across providers, an economic incentive arises for the providers themselves to actually include such funds in their savings plan range. Market transparency therefore indirectly creates market pressure too.<\/p>\n<p>For families there is a further question: whether the <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/child-allowance-in-the-altersvorsorgedepot-e300-per-child-per-year\/\" target=\"_blank\" rel=\"noopener noreferrer\">child allowance<\/a> can also be paid into a Sharia-compliant product. We have already explained the basics of <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/subsidy\/\" target=\"_blank\" rel=\"noopener noreferrer\">eligibility for subsidy<\/a> in detail. Which types of ETF are generally eligible for the securities account is shown under <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" 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\">suitable ETFs for the Altersvorsorgedepot<\/a>.<\/p>\n<p><strong>In short:<\/strong> Without a targeted comparison, the entire research risk lies with you alone, with the danger of giving up either the subsidy or your own religious principles. A specialized, transparent comparison with a genuine halal filter is what makes this decision practically possible in the first place.<\/p>\n<h2>Conclusion<\/h2>\n<p>The Altersvorsorgedepot can be just as big an opportunity for Muslim savers as for everyone else, provided that access to suitable, religiously acceptable products is not left to chance in the ranges of individual providers. A targeted comparison with a genuine halal filter is not an extra for that, but a prerequisite.<\/p>\n<p><strong>Sign up for our waiting list now and be the first to hear as soon as providers with Sharia-compliant Altersvorsorgedepots go live.<\/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 Sharia-compliant Altersvorsorgedepot<\/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 Altersvorsorgedepot compatible with Islam in principle? <\/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 data-pm-slice=\"1 1 []\">Yes, provided the chosen funds are certified as Sharia-compliant. The securities account&#8217;s positive list defined by law permits broadly diversified investment funds and ETFs in risk classes 1 to 5 (according to the Synthetic Risk and Reward Indicator, SRRI) \u2013 halal ETFs such as funds tracking the MSCI World Islamic Index meet these criteria, since structurally they are ordinary, broadly diversified index funds.<\/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\"> What distinguishes a halal ETF from a classic global ETF? <\/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 data-pm-slice=\"1 1 []\">A halal ETF excludes companies from interest-heavy or religiously prohibited sectors and is certified by an independent Sharia board. Structure and risk class remain comparable to classic global ETFs \u2013 one example is the iShares MSCI World Islamic UCITS ETF, which has been regularly tradable in Germany for years.<\/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\"> Is an ESG ETF automatically Sharia-compliant as well? <\/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 data-pm-slice=\"1 1 []\">No. ESG and Sharia criteria partly overlap but are not identical. Only separate Sharia certification by a Sharia board confirms religious compliance.<\/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\"> Can the child allowance also be invested in a Sharia-compliant way? <\/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 data-pm-slice=\"1 1 []\">In principle yes, if the securities account as a whole is invested in a certified halal ETF. You will find details on the child allowance itself in our separate guide on the subject.<\/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\"> Who decides whether a fund is Sharia-compliant? <\/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 data-pm-slice=\"1 1 []\">An independent Sharia board made up of recognized Islamic scholars examines and certifies the fund. It works in much the same way as a quality seal.<\/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 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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>Millions of Muslim women and men in Germany would be eligible for the subsidy from 2027. But is an Altersvorsorgedepot (Germany&#8217;s state-subsidized retirement investment account) compatible with the prohibition of interest and with the question of what is actually inside the fund? We took a look.<\/p>\n","protected":false},"author":2,"featured_media":1779292216,"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-1779292215","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\/1779292215","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=1779292215"}],"version-history":[{"count":26,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292215\/revisions"}],"predecessor-version":[{"id":1779292610,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292215\/revisions\/1779292610"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media\/1779292216"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779292215"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/categories?post=1779292215"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/tags?post=1779292215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}