{"id":1779292322,"date":"2026-07-16T11:32:21","date_gmt":"2026-07-16T11:32:21","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-en-us\/ruerup-pension-or-altersvorsorgedepot-what-is-worth-it-for-the-self-employed\/"},"modified":"2026-09-24T10:54:40","modified_gmt":"2026-09-24T10:54:40","slug":"ruerup-pension-or-altersvorsorgedepot-what-is-worth-it-for-the-self-employed","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/ruerup-pension-or-altersvorsorgedepot-what-is-worth-it-for-the-self-employed\/","title":{"rendered":"R\u00fcrup pension or Altersvorsorgedepot: what is worth it for the self-employed?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779292322\" class=\"elementor elementor-1779292322 elementor-1779289291\">\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-1440945691.webp\" class=\"attachment-full size-full wp-image-1779292323\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1440945691.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1440945691-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1440945691-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1440945691-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1440945691-710x710.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 style=\"font-weight: 400;\">As a self-employed person, you long had to rely on the R\u00fcrup pension for subsidized retirement provision. From 2027, the Altersvorsorgedepot (Germany&#8217;s state-subsidized retirement investment account) adds a second subsidized option &#8211; for the first time for you too. That raises the question: which one fits better? We compare the two objectively, without recommending a product.<\/p>\n<p style=\"font-weight: 400;\"><strong>In brief:<\/strong> The R\u00fcrup pension scores with a high tax deduction and is worthwhile above all for high incomes. The Altersvorsorgedepot scores with state allowances, full flexibility, free ETF investment and inheritable capital. For many self-employed people, a combination is the best solution.<\/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<\/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 style=\"font-weight: 400;\"><strong>The key points at a glance<\/strong><\/p>\n<ul>\n<li>Both are state-subsidized, but in different ways: R\u00fcrup through the tax deduction, the Altersvorsorgedepot through direct allowances.<\/li>\n<li>The Altersvorsorgedepot is considerably more flexible: contributions can be adjusted or paused at any time.<\/li>\n<li>The R\u00fcrup pension only pays out a lifelong pension; the Altersvorsorgedepot allows a partial lump-sum withdrawal and a drawdown plan.<\/li>\n<li>Capital in the Altersvorsorgedepot is inheritable; with the R\u00fcrup pension only to a limited extent.<\/li>\n<li>With a high income, the R\u00fcrup pension&#8217;s tax deduction carries more weight; with a middle income, the Altersvorsorgedepot&#8217;s allowances do.<\/li>\n<\/ul>\n<p><\/p>\t\t\t\t\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>What is the R\u00fcrup pension?<\/h2>\n<p style=\"font-weight: 400;\">The R\u00fcrup pension, officially the Basisrente, is a private, state-subsidized form of retirement provision tailored above all to the self-employed and higher earners. Its core advantage is a tax one: since 2023, contributions have been 100% deductible as special expenses, up to an annual maximum amount. The higher your personal tax rate, the greater the saving.<\/p>\n<p style=\"font-weight: 400;\">In return, the R\u00fcrup pension is inflexible. The capital is strictly earmarked: it is paid out exclusively as a lifelong pension, from age 62 at the earliest. A capital payout, termination with a payout, or using it as loan collateral are not possible. Inheritability, too, is only available through additional modules that cost extra.<\/p>\n<h2>What is the Altersvorsorgedepot?<\/h2>\n<p style=\"font-weight: 400;\">The Altersvorsorgedepot is the successor to the Riester pension, starting on 1 January 2027. It is a state-subsidized securities account in which you invest freely in ETFs and funds. The subsidy runs through direct allowances: up to \u20ac540 basic allowance per year, plus \u20ac300 per child. For the first time, all self-employed people are eligible for the subsidy as well.<\/p>\n<p style=\"font-weight: 400;\">Unlike the R\u00fcrup pension, the securities account is flexible: you adjust contributions or pause them, and when your pension starts you can withdraw up to 30% in one go. The capital is inheritable. A cost cap of one percent per year applies to the default standard product.<\/p>\n<div>\n<h2><span lang=\"EN-US\">R\u00fcrup or Altersvorsorgedepot: the differences<\/span><\/h2>\n<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f85432 elementor-widget elementor-widget-text-editor\" data-id=\"7f85432\" 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<table style=\"font-weight: 400;\" width=\"100%\">\n<tbody>\n<tr>\n<td>\n<p>\u00a0<\/p>\n<\/td>\n<td>\n<p>Altersvorsorgedepot<\/p>\n<\/td>\n<td>\n<p>R\u00fcrup pension (Basisrente)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Subsidy<\/p>\n<\/td>\n<td>\n<p>Allowances of up to \u20ac540 + \u20ac300 per child<\/p>\n<\/td>\n<td>\n<p>Special expenses deduction (tax)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Strong for<\/p>\n<\/td>\n<td>\n<p>middle income<\/p>\n<\/td>\n<td>\n<p>high marginal tax rate<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Flexibility<\/p>\n<\/td>\n<td>\n<p>contributions adjustable\/pausable at any time<\/p>\n<\/td>\n<td>\n<p>rigid, ongoing contributions<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>payout<\/p>\n<\/td>\n<td>\n<p>Partial lump-sum withdrawal + drawdown plan or pension<\/p>\n<\/td>\n<td>\n<p>lifelong pension only<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Can be inherited<\/p>\n<\/td>\n<td>\n<p>yes<\/p>\n<\/td>\n<td>\n<p>only to a limited extent<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Investing<\/p>\n<\/td>\n<td>\n<p>free choice of ETFs and funds<\/p>\n<\/td>\n<td>\n<p>usually an insurance or fund wrapper<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9231d2f elementor-widget elementor-widget-text-editor\" data-id=\"9231d2f\" 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<h3>Subsidy: allowance versus tax deduction<\/h3>\n<p style=\"font-weight: 400;\">The most important difference is the type of subsidy. With the Altersvorsorgedepot you receive direct allowances that flow straight into the securities account and go to work there. With the R\u00fcrup pension there is no allowance, but a tax deduction: you claim the contributions in your tax return and get part of them back through your taxes. The effect depends heavily on your income.<\/p>\n<h3>Flexibility: the big advantage for the self-employed<\/h3>\n<p style=\"font-weight: 400;\">Self-employed people rarely have the same income every year. This is exactly where the Altersvorsorgedepot plays to its strength: in a weak year, \u20ac120 (\u20ac10 a month) is enough to secure the subsidy; in a good year you pay in more. The R\u00fcrup pension is more rigid here and suits stable, predictable income better.<\/p>\n<h3>Payout and inheritability<\/h3>\n<p style=\"font-weight: 400;\">The R\u00fcrup pension knows only the lifelong monthly pension. The Altersvorsorgedepot leaves you the choice between a partial lump-sum withdrawal, a drawdown plan and a pension, and the capital you have saved goes to your heirs in the event of your death. Anyone who values flexibility and inheritability is better served by the securities account.<\/p>\n<p style=\"font-weight: 400;\"><strong>In short:<\/strong> R\u00fcrup = strong tax deduction, but rigid and only as a pension. Altersvorsorgedepot = allowances, full flexibility, ETF returns and inheritable capital.<\/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>Who is each one worth it for?<\/h2>\n<p style=\"font-weight: 400;\">For self-employed people with a middle income, the Altersvorsorgedepot&#8217;s allowances usually carry more weight than the R\u00fcrup pension&#8217;s tax deduction. Anyone with fluctuating income, who needs flexibility or wants to pass the capital on, is generally better off with the securities account too.<\/p>\n<p style=\"font-weight: 400;\">For self-employed people with a high and stable income, the R\u00fcrup pension can be more attractive: with a high marginal tax rate, the special expenses deduction is a noticeable lever. Anyone who does not need the flexibility and values a predictable lifelong pension will find a suitable product here.<\/p>\n<h2>Combining the two &#8211; often the best solution<\/h2>\n<div>\n<p class=\"FirstParagraph\">You do not have to choose. Many self-employed people will use both: the R\u00fcrup pension for the tax advantage at a high income, and the Altersvorsorgedepot for flexibility, allowances and return opportunities. That way you secure the strengths of both models without committing to a single one.<\/p>\n<\/div>\n<h2>Conclusion<\/h2>\n<p style=\"font-weight: 400;\">The R\u00fcrup pension and the Altersvorsorgedepot are not opponents, but two tools with different strengths. As a rough guide: with a middle income and a wish for flexibility, the Altersvorsorgedepot leads; with a high, stable income, the R\u00fcrup pension does &#8211; and in many cases the combination makes the most sense. Check both against your own figures before you commit.<\/p>\n<p style=\"font-weight: 400;\"><em>Note: independent information and context, not individual investment, tax or legal advice.<\/em><\/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 R\u00fcrup pension or the 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 R\u00fcrup pension or the Altersvorsorgedepot better for the self-employed?  <\/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<div>\n<p class=\"FirstParagraph\"><span lang=\"EN-US\">That depends on your income. With a middle income, the Altersvorsorgedepot&#8217;s allowances carry more weight; with a high marginal tax rate, the R\u00fcrup pension&#8217;s special expenses deduction does. <\/span>A combination is often sensible.<\/p>\n<\/div>\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 have R\u00fcrup and the Altersvorsorgedepot at the same time?  <\/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 style=\"font-weight: 400;\"><strong>?<\/strong> Yes. Both products can be used in parallel and complement each other well for many self-employed people.<\/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 the Altersvorsorgedepot more flexible than the R\u00fcrup pension?  <\/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 style=\"font-weight: 400;\">Yes. With the Altersvorsorgedepot you can adjust or pause contributions at any time and withdraw part of the capital in one go when your pension starts. The R\u00fcrup pension is more rigid and only pays out a lifelong pension.<\/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\"> Is the capital inheritable?  <\/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-4abb43f e-flex e-con-boxed e-con e-child\" data-id=\"4abb43f\" 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-ec4bdc9 elementor-widget elementor-widget-text-editor\" data-id=\"ec4bdc9\" 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 style=\"font-weight: 400;\">In the Altersvorsorgedepot, yes. With the R\u00fcrup pension only through additional modules that cost extra.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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\"> From when can I take out an 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-1264\" class=\"elementor-element elementor-element-a0a7154 e-flex e-con-boxed e-con e-child\" data-id=\"a0a7154\" 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-a443985 elementor-widget elementor-widget-text-editor\" data-id=\"a443985\" 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 style=\"font-weight: 400;\">From 1 January 2027. Before that, it is not possible to take one out.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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>\n\t\t<div class=\"elementor-element elementor-element-bc49b32 e-flex e-con-boxed e-con e-parent\" data-id=\"bc49b32\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31780024 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"31780024\" 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-4c5eac57 e-con-full e-flex e-con e-child\" data-id=\"4c5eac57\" 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-453ddbb4 e-con-full e-flex e-con e-child\" data-id=\"453ddbb4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36c64832 e-con-full e-flex e-con e-child\" data-id=\"36c64832\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fe16e1f kd-section-title animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"3fe16e1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><h5 class=\"kd-heading__title\">About the author<\/h5><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f27e3bb elementor-widget elementor-widget-keydesign-heading\" data-id=\"1f27e3bb\" 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-66a8ca7 elementor-widget elementor-widget-text-editor\" data-id=\"66a8ca7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Lawyer &amp; financial market expert \u00b7 AVD Anbieter Vergleich<\/strong><\/p>\n<p>Rolf Henning Hackel is a qualified lawyer who has spent more than 22 years as a board member and managing director at various software providers to the financial industry, and as a founder himself. As a thorough market expert he knows not only the different providers but also the financial industry&#8217;s products, their strengths and weaknesses, and the regulatory framework around them. At AVD Anbieter Vergleich he writes about the new Altersvorsorgedepot and explains subsidies, providers and return potential in plain language \u2014 independently and free of advertising.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37b820d e-grid-align-left elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"37b820d\" 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\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\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<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7524a1c0 e-con-full e-flex e-con e-child\" data-id=\"7524a1c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90d16ce elementor-widget elementor-widget-image\" data-id=\"90d16ce\" data-element_type=\"widget\" data-e-type=\"widget\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>As a self-employed person, you long had to rely on the R\u00fcrup pension for subsidized retirement provision. From 2027, the Altersvorsorgedepot adds a second subsidized option &#8211; for the first time for you too<\/p>\n","protected":false},"author":2,"featured_media":1779292323,"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-1779292322","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\/1779292322","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=1779292322"}],"version-history":[{"count":17,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292322\/revisions"}],"predecessor-version":[{"id":1779292616,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292322\/revisions\/1779292616"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media\/1779292323"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779292322"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/categories?post=1779292322"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/tags?post=1779292322"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}