{"id":1779292449,"date":"2026-07-02T06:42:15","date_gmt":"2026-07-02T06:42:15","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-en-us\/altersvorsorgedepot-advantages-and-disadvantages-what-speaks-for-it-and-what-does-not\/"},"modified":"2026-09-24T10:54:21","modified_gmt":"2026-09-24T10:54:21","slug":"altersvorsorgedepot-advantages-and-disadvantages-what-speaks-for-it-and-what-does-not","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/altersvorsorgedepot-advantages-and-disadvantages-what-speaks-for-it-and-what-does-not\/","title":{"rendered":"Altersvorsorgedepot advantages and disadvantages: what speaks for it and what does not"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779292449\" class=\"elementor elementor-1779292449 elementor-1779288559\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29b9255 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"29b9255\" 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-4a12bde e-con-full e-flex e-con e-child\" data-id=\"4a12bde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-770eb33 elementor-widget__width-initial animated-fast elementor-widget elementor-widget-image\" data-id=\"770eb33\" 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-frau-fenster.webp\" class=\"attachment-full size-full wp-image-1779292450\" alt=\"\" \/>\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-ca5e62a e-con-full e-flex e-con e-child\" data-id=\"ca5e62a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76cb9a4 elementor-widget elementor-widget-text-editor\" data-id=\"76cb9a4\" 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 []\">\u20ac540 a year from the state, a tax-free securities account, a full equity allocation: the Altersvorsorgedepot sounds like the most attractive retirement product in decades. For many people it will be exactly that. Even so, there are points you do not see at first glance. Those are precisely the ones we look at together here.<\/p><p>From 1 January 2027 the Altersvorsorgedepot replaces the Riester pension as the state-subsidized form of private retirement provision in Germany. If you know the advantages and disadvantages now, you will make a well-founded decision at launch. No product recommendations, just facts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-557be88 elementor-widget elementor-widget-keydesign-button\" data-id=\"557be88\" 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>\u00a0<strong>In brief:<\/strong> The Altersvorsorgedepot is a state-subsidized securities account that will replace the Riester pension as the central form of private retirement provision from 2027. You can invest in it entirely in ETFs and funds, but in return you give up a contribution guarantee. The government subsidizes your contributions with up to <strong>\u20ac540<\/strong> basic allowance a year plus up to <strong>\u20ac300<\/strong> child allowance per child. Gains and switches remain tax-free during the accumulation phase.<\/p><p><strong>The key points at a glance<\/strong><\/p><ul><li><p>The government subsidizes your Altersvorsorgedepot with up to <strong>\u20ac540<\/strong> basic allowance a year, plus up to <strong>\u20ac300<\/strong> child allowance per child.<\/p><\/li><li><p>By giving up a contribution guarantee, you can invest entirely in ETFs and benefit from the market return.<\/p><\/li><li><p>Your capital is tied up until the age of 65. If you withdraw earlier, you have to repay all allowances and tax advantages.<\/p><\/li><li><p>For low earners with several children, the old Riester subsidy can be more advantageous in individual cases.<\/p><\/li><li><p>The first products can only be taken out from 1 January 2027.<\/p><\/li><\/ul><h2>The 6 biggest advantages of the Altersvorsorgedepot<\/h2><p>Compared with the Riester pension, the Altersvorsorgedepot brings you several real improvements:<\/p><h3>1. Government subsidy of up to \u20ac540 a year<\/h3><p>How much you get depends on how much you pay in. On the first <strong>\u20ac360<\/strong> a year the government adds 50 percent, so a maximum of <strong>\u20ac180<\/strong>. On every further euro up to an annual contribution of <strong>\u20ac1,800<\/strong> another 25 percent is added on top, so up to <strong>\u20ac360<\/strong>. That puts the maximum basic allowance at <strong>\u20ac540<\/strong> per year.<\/p><p>For each child you receive child benefit for, up to <strong>\u20ac300<\/strong> child allowance a year is added. Career starters under 25 also receive a one-off <strong>\u20ac200<\/strong> starter bonus.The subsidy structure is published in the <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/FAQ\/reform-der-privaten-altersvorsorge.html\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Ministry of Finance FAQ on the reform of private retirement provision<\/a> .<\/p><h3>2. Full equity allocation by giving up the guarantee requirement<\/h3><p>Because of the contribution guarantee, classic Riester products had to invest a large part of the money in low-risk assets. That systematically limited return potential. The Altersvorsorgedepot has no such obligation. You can invest up to 100 percent in ETFs and funds and align the account entirely with ETF returns. Over a long investment horizon, that can make a big difference to your return in the end.<\/p><h3>3. Tax-free growth during the accumulation phase<\/h3><p>Price gains and income in the Altersvorsorgedepot are not taxed during the accumulation phase. Neither flat-rate withholding tax on investment income nor the Vorabpauschale (advance lump-sum taxation) applies. Your money grows unchecked thanks to compounding. You only pay tax in the decumulation phase, at the personal income tax rate applicable then. For many people that rate is lower in retirement than during working life.<\/p><h3>4. Tax-free switching within the securities account<\/h3><p>If you sell funds in an ordinary securities account and buy others, you pay flat-rate withholding tax on investment income on the price gains. In the Altersvorsorgedepot such switches are tax-free, no matter how often you make them or how large the gain. If you want to move your account from return-oriented into lower-risk investments in the years before retirement, you can do so without any tax disadvantage.<\/p><h3>5. Broader eligibility for the subsidy than with Riester<\/h3><p>The Riester pension was aimed mainly at employees with compulsory insurance. The Altersvorsorgedepot applies to considerably more people. Those eligible for the subsidy include employees, the self-employed, civil servants and trainees, as well as people on parental leave or receiving unemployment benefit I.<\/p><h3>6. Transparency and free switching between providers<\/h3><p>You can switch provider at any time. In the first five contract years the transferring provider may charge at most <strong>\u20ac150<\/strong> and after that the switch is free of charge. Providers have to disclose their costs transparently, and you can check how your securities account is developing at any time.<\/p><p><strong>In short:<\/strong> The Altersvorsorgedepot combines a government subsidy with real capital market returns. Allowances of up to <strong>\u20ac540<\/strong> a year, no tax on gains during the accumulation phase and tax-free switching make it more attractive for many savers than classic Riester products.<\/p><h2>The 5 Altersvorsorgedepot disadvantages: who they really matter for<\/h2><p>The following points are real. The only question is whether they actually carry weight for you.<\/p><h3>1. No capital protection<\/h3><p>The Altersvorsorgedepot has no contribution guarantee. Your account can slip well into the red in the meantime, for example if stock markets fall sharply. If you still have 20 years or more until retirement, you can sit that out. If you are close to it, you lack that buffer. For such cases there are guarantee products with 80 or 100 percent capital preservation, though at the cost of a lower return.<\/p><h3>2. Capital tied up until 65<\/h3><p>Your money in the Altersvorsorgedepot is earmarked for a specific purpose. If you withdraw before the age of 65, you have to repay all allowances and tax advantages. This is known as a non-qualifying withdrawal. Your securities account is therefore not suitable as an emergency fund or as a substitute for liquid reserves. One exception: if you use the capital for owner-occupied residential property, you do not lose the subsidy.<\/p><h3>3. Deferred taxation of the payout<\/h3><p>In retirement you pay your personal income tax rate on payouts. With an ordinary securities account only the flat-rate withholding tax on investment income applies, which is cheaper in many cases. The difference shrinks, however, because most people earn less in old age and therefore also have a lower tax rate.<\/p><h3>4. Low earners with several children: Riester can remain the better option<\/h3><p>For households with a low income and several children, the subsidy calculation for the Altersvorsorgedepot is not automatically more favorable. Under the old Riester system, child allowances were paid regardless of income. With the Altersvorsorgedepot the child allowance depends on how much you pay in yourself. If you pay in little, you therefore also receive less. Whether switching still makes sense is shown in the guide comparing Riester and the Altersvorsorgedepot.<\/p><h3>5. A cost cap of one percent is no bargain<\/h3><p>For default standard products a statutory cost cap of <strong>one percent<\/strong> reduction in yield (RIY) per year applies. This is intended to protect newcomers from overpriced products. One percent is comparatively high, though. If you know low-cost index ETFs, you know that it can be done far more cheaply. If you choose a cost-conscious provider yourself, you stay below this cap.<\/p><p><strong>In short<\/strong> The main disadvantages are the lack of capital protection, being tied in until 65, taxation of the payout at your personal tax rate, and a weaker subsidy rate for low earners with several children. On top of that, not every product carrying the label &#8220;Altersvorsorgedepot&#8221; is a low-cost securities account.<\/p><p>\u00a0<\/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-7372a5e6 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"7372a5e6\" 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-30ec0385 e-con-full e-flex e-con e-child\" data-id=\"30ec0385\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6155987b animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"6155987b\" 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-297c4b77 e-con-full e-flex e-con e-child\" data-id=\"297c4b77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1104c460 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"1104c460\" 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-61797c2 e-flex e-con-boxed e-con e-parent\" data-id=\"61797c2\" 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-296b01b elementor-widget elementor-widget-text-editor\" data-id=\"296b01b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>Careful: not every Altersvorsorgedepot is a real securities account<\/h2><p>Alongside banks, neobrokers and fund companies, insurance companies may also offer Altersvorsorgedepots, in that case in the form of a unit-linked pension insurance policy. The government subsidy and the tax treatment are identical to a real securities account. The difference lies in the costs: such products can include acquisition costs and higher ongoing administration fees that go well beyond the cost framework of a pure securities account.<\/p><p>So if you take out a product in 2027, check the product type and the full cost structure before you sign. As soon as the first providers present their products, you will find the direct comparison here.<\/p><h2>Who do the advantages outweigh the disadvantages for?<\/h2><p>If you still have a long investment horizon of 15 years or more, the advantages clearly outweigh the disadvantages for you. On current assessment, employees, the self-employed, singles, couples without children and high earners are better off under the new system than under the old Riester system. Career starters under 25 also benefit from the one-off <strong>\u20ac200<\/strong>-starter bonus.<\/p><p>For low earners with several children and little room to pay in, a close comparison of the subsidy conditions is worthwhile before a decision is made. Whether the Altersvorsorgedepot is the better choice for your personal situation depends on your income, your family situation and your investment horizon.<\/p><h2 data-pm-slice=\"1 1 []\">Conclusion<\/h2><p>For many people the Altersvorsorgedepot brings real improvements over the Riester pension: more return potential, broader eligibility for the subsidy and more transparency. If you know the advantages and disadvantages of the Altersvorsorgedepot now, you will be better positioned at the 2027 launch than someone who only looks into it when taking out a product.<\/p><p><strong>The first providers launch on 1 January 2027. We will let you know as soon as the products are live so that you can compare right away.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1db9732 elementor-widget elementor-widget-keydesign-button\" data-id=\"1db9732\" 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-4e040ea animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"4e040ea\" 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 advantages and disadvantages of the Altersvorsorgedepot<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b20b590 elementor-widget elementor-widget-n-accordion\" data-id=\"b20b590\" 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-1860\" 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-1860\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does the Altersvorsorgedepot have a contribution guarantee? <\/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-1860\" class=\"elementor-element elementor-element-e82662f e-con-full e-flex e-con e-child\" data-id=\"e82662f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58723e4 elementor-widget elementor-widget-text-editor\" data-id=\"58723e4\" 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, the Altersvorsorgedepot has no contribution guarantee. The value of the account can fall in the meantime. For safety-conscious investors there are optional guarantee products with 80 or 100 percent preservation of contributions, which secure a minimum share, though at the expense of the return.<\/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-1861\" 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-1861\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is the biggest disadvantage of 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-1861\" class=\"elementor-element elementor-element-bc54de2 e-con-full e-flex e-con e-child\" data-id=\"bc54de2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbb5380 elementor-widget elementor-widget-text-editor\" data-id=\"dbb5380\" 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 []\">The decisive disadvantage is that the capital is tied up until the age of 65. Anyone who withdraws money before then has to repay in full all allowances and tax advantages received. The Altersvorsorgedepot is therefore suitable exclusively for long-term retirement provision, not as a savings contract with flexible access.<\/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-1862\" 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-1862\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Who is the Altersvorsorgedepot not worthwhile for? <\/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-1862\" class=\"elementor-element elementor-element-060a87a e-con-full e-flex e-con e-child\" data-id=\"060a87a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-566d5fa elementor-widget elementor-widget-text-editor\" data-id=\"566d5fa\" 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 []\">The Altersvorsorgedepot is less worthwhile for low earners with several children who received high child allowances under the old Riester subsidy logic. For people very close to retirement, too, a capital market product without a guarantee is only suitable to a limited extent.<\/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-1863\" 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-1863\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What happens if I withdraw money from the Altersvorsorgedepot before the age of 65? <\/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-1863\" class=\"elementor-element elementor-element-6b3d984 e-flex e-con-boxed e-con e-child\" data-id=\"6b3d984\" 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-be1b96b elementor-widget elementor-widget-text-editor\" data-id=\"be1b96b\" 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 early withdrawal counts as a non-qualifying withdrawal. You have to repay all allowances and tax advantages received. An exception applies to using the balance for owner-occupied residential property: this withdrawal is expressly permitted and does not count as non-qualifying.<\/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-1864\" 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-1864\" >\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 safe in a stock market crash? <\/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-1864\" class=\"elementor-element elementor-element-e3c957e e-flex e-con-boxed e-con e-child\" data-id=\"e3c957e\" 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-4da079a elementor-widget elementor-widget-text-editor\" data-id=\"4da079a\" 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 []\">The Altersvorsorgedepot offers no capital protection. If prices fall sharply, the value of the account can drop considerably. Anyone with many years still to go until retirement can, historically speaking, sit out such phases. For people close to retirement there are guarantee products that secure a minimum share of the capital.<\/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<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Does the Altersvorsorgedepot have a contribution guarantee?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, the Altersvorsorgedepot has no contribution guarantee. The value of the account can fall in the meantime. For safety-conscious investors there are optional guarantee products with 80 or 100 percent preservation of contributions, which secure a minimum share, though at the expense of the return.\"}},{\"@type\":\"Question\",\"name\":\"What is the biggest disadvantage of the Altersvorsorgedepot?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The decisive disadvantage is that the capital is tied up until the age of 65. Anyone who withdraws money before then has to repay in full all allowances and tax advantages received. The Altersvorsorgedepot is therefore suitable exclusively for long-term retirement provision, not as a savings contract with flexible access.\"}},{\"@type\":\"Question\",\"name\":\"Who is the Altersvorsorgedepot not worthwhile for?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Altersvorsorgedepot is less worthwhile for low earners with several children who received high child allowances under the old Riester subsidy logic. For people very close to retirement, too, a capital market product without a guarantee is only suitable to a limited extent.\"}},{\"@type\":\"Question\",\"name\":\"What happens if I withdraw money from the Altersvorsorgedepot before the age of 65?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"An early withdrawal counts as a non-qualifying withdrawal. You have to repay all allowances and tax advantages received. An exception applies to using the balance for owner-occupied residential property: this withdrawal is expressly permitted and does not count as non-qualifying.\"}},{\"@type\":\"Question\",\"name\":\"Is the Altersvorsorgedepot safe in a stock market crash?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Altersvorsorgedepot offers no capital protection. If prices fall sharply, the value of the account can drop considerably. Anyone with many years still to go until retirement can, historically speaking, sit out such phases. For people close to retirement there are guarantee products that secure a minimum share of the capital.\"}}]}<\/script>\n\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-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><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<div class=\"elementor-element elementor-element-9431930 keydesign-container-yes e-con-full e-flex e-con e-parent\" data-id=\"9431930\" 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-df1d118 e-con-full e-flex e-con e-child\" data-id=\"df1d118\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3048784 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"3048784\" 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\"><h2 class=\"kd-heading__title\"><span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">Sign up now<\/span><\/span> and benefit from day one.<\/h2><div class=\"kd-heading__desc\"><p>Nobody can take out an Altersvorsorgedepot yet; that is only possible from 1 January 2027. We are following the market and will write to you when there is something real to compare. <\/p><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5b15b1 elementor-widget__width-auto elementor-widget elementor-widget-keydesign-advanced-list\" data-id=\"e5b15b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-advanced-list.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><ul class=\"kd-advanced-list kd-list-layout--inline kd-badge-pos--after\" role=\"list\"><li class=\"kd-list-item elementor-repeater-item-9480ed5\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Provider updates.<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-48f77bb\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Legal clarifications<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-b4c9f16\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Comparison editorial<\/h5><\/span><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b33bb1 e-con-full e-flex e-con e-child\" data-id=\"4b33bb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-59bc77e e-con-full animated-fast keydesign-container-yes e-flex elementor-invisible e-con e-child\" data-id=\"59bc77e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bc615f elementor-widget elementor-widget-html\" data-id=\"0bc615f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n<link rel=\"stylesheet\" href=\"https:\/\/sibforms.com\/forms\/end-form\/build\/sib-styles.css\">\n\n\n<!--  END - We recommend to place the above code in head tag of your website html -->\n\n\n\n\n\n\n<!-- START - We recommend to place the below code where you want the form in your website html  -->\n<div class=\"sib-form\" style=\"text-align: center;\n         background-color: transparent; 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