{"id":1779292558,"date":"2026-06-30T09:09:16","date_gmt":"2026-06-30T09:09:16","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-en-us\/default-standard-product-the-low-cost-basic-account-in-the-altersvorsorgedepot\/"},"modified":"2026-09-24T10:53:58","modified_gmt":"2026-09-24T10:53:58","slug":"default-standard-product-the-low-cost-basic-account-in-the-altersvorsorgedepot","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/default-standard-product-the-low-cost-basic-account-in-the-altersvorsorgedepot\/","title":{"rendered":"Default standard product: the low-cost basic account in the Altersvorsorgedepot"},"content":{"rendered":"<p class=\"avd-lead\"> The default standard product is a <strong>basic offering prescribed by law<\/strong>that every provider of an Altersvorsorgedepot (Germany&#8217;s state-subsidized retirement investment account) is obliged to offer. It is especially simple, transparent and capped in its costs, at a maximum of <strong>1% reduction in yield (RIY) per year<\/strong>. <\/p>\n<aside class=\"avd-callout tldr\">\n<p><strong>The key points at a glance:<\/strong><\/p>\n<ul>\n<li>A mandatory offering from every certified provider<\/li>\n<li>Cost cap: a maximum 1% reduction in yield per year<\/li>\n<li>Usually ETF-based with global diversification<\/li>\n<li>A solid entry point for self-directed investors<\/li>\n<li>Lifecycle model often used as the default strategy<\/li>\n<\/ul>\n<\/aside>\n<div class=\"avd-toc\">\n<p class=\"avd-toc__title\">Table of contents<\/p>\n<ol>\n<li><a href=\"\/#was-ist\">What is the default standard product?<\/a><\/li>\n<li><a href=\"\/#wer\">Who offers it?<\/a><\/li>\n<li><a href=\"\/#wie-funktioniert\">How does it work?<\/a><\/li>\n<li><a href=\"\/#kosten\">How high are the costs?<\/a><\/li>\n<li><a href=\"\/#wann\">When is the default standard product worth it?<\/a><\/li>\n<li><a href=\"\/#warum\">Why did the legislator introduce it?<\/a><\/li>\n<li><a href=\"\/#faq\">Frequently asked questions<\/a><\/li>\n<\/ol>\n<\/div>\n<section id=\"was-ist\">\n<h2>What is the default standard product?<\/h2>\n<p> A legally defined <strong>minimum variant<\/strong> of the Altersvorsorgedepot that every provider is obliged to offer, either itself or through a partnership. It has fixed cornerstones for investment strategy, costs and process so that consumers can compare offers easily. <\/p>\n<\/section>\n<section id=\"wer\">\n<h2>Who offers the default standard product?<\/h2>\n<p> All providers certified by the Federal Central Tax Office: banks, direct banks, Sparkassen, cooperative banks, neobrokers, fund companies and insurers. They may also offer more expensive premium variants alongside it, but the default standard product is mandatory. <\/p>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>What exactly is the default standard product?<\/strong><br \/>The default standard product is the solid basic choice with a cost guarantee. Mandatory for every provider.<\/p>\n<\/div>\n<section id=\"wie-funktioniert\">\n<h2>How does the default standard product work?<\/h2>\n<p> The default standard product relies on a preset, low-cost investment strategy. In practice that usually means: <\/p>\n<ul>\n<li>A broadly diversified global ETF (e.g. MSCI World or FTSE All-World).<\/li>\n<li>Automatic rebalancing.<\/li>\n<li>Lifecycle model: a high equity allocation in your younger years, shifting gradually into more defensive investments before retirement begins (optional).<\/li>\n<li>Standard decumulation phase: usually <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/drawdown-plan-to-age-85-the-flexible-alternative-to-a-life-annuity\/\">drawdown plan to age 85<\/a> as the default.<\/li>\n<\/ul>\n<\/section>\n<section id=\"kosten\">\n<h2>How high are the costs?<\/h2>\n<p> The <strong>Reduction in yield<\/strong> may not exceed 1% p.a. Included are: <\/p>\n<ul>\n<li>Securities account fees<\/li>\n<li>Fund costs (TER of the ETFs \/ funds held)<\/li>\n<li>Front-end loads \/ transaction costs<\/li>\n<li>Administration costs in the decumulation phase<\/li>\n<\/ul>\n<p> Providers are allowed to stay below that figure, however. Some pure ETF default standard products are expected to be available for 0.3\u20130.6% p.a. <\/p>\n<\/section>\n<section id=\"wann\">\n<h2>When is the default standard product worth it?<\/h2>\n<p> For beginners, for those who want an easy life and for anyone who wants <strong>the lowest possible costs<\/strong> without going deeply into securities. If you prefer to pick your own ETFs and strategies, you should consider a premium product or a self-select securities account. <\/p>\n<\/section>\n<section id=\"warum\">\n<h2>Why did the legislator introduce the default standard product?<\/h2>\n<p> Riester had a problem with high acquisition and administration costs. The default standard product provides a <strong>cost-capped entry point<\/strong>that premium providers also have to measure up to. It is therefore a protective instrument for consumers and a political answer to years of criticism from consumer advocates. <\/p>\n<\/section>\n<section id=\"personas\">\n<h2>Who benefits from the default standard product?<\/h2>\n<div class=\"avd-persona\">\n<p><strong>Sarah, 30, a beginner with no experience of securities.<\/strong> She chooses a direct bank&#8217;s default standard product with a 0.4% reduction in yield and an MSCI World ETF. She saves \u20ac150\/month. Effort: one savings plan, set up once. Over 30 years around <strong>\u20ac180,000<\/strong> final balance at a 6% return.<\/p>\n<\/div>\n<div class=\"avd-persona\">\n<p><strong>Marc, 50, wants a premium selection.<\/strong> He chooses the premium product instead, with 50+ ETFs to pick from freely. Higher costs (0.9%), but an individual strategy.<\/p>\n<\/div>\n<\/section>\n<section class=\"avd-faq\" id=\"faq\">\n<h2>Frequently asked questions about the default standard product<\/h2>\n<details>\n<summary>Is the default standard product always the best offer?<\/summary>\n<p>Not necessarily. Good premium products can score with active management or specialist ETFs, but they are usually more expensive. For pure ETF investors the default standard product is often the cheapest choice.<\/p>\n<\/details>\n<details>\n<summary>Can I choose the ETFs myself in the default standard product?<\/summary>\n<p>Only to a limited extent. Providers may set a list. If you want a free choice, you typically need the same provider&#8217;s premium product.<\/p>\n<\/details>\n<details>\n<summary>What happens to the default standard product when I switch providers?<\/summary>\n<p>The balance is transferred. The new provider offers either its own default standard product or an equivalent premium product to choose from.<\/p>\n<\/details>\n<details>\n<summary>Can I switch between the standard and the premium product?<\/summary>\n<p>With the same provider that is typically possible, and when switching providers it is possible anyway.<\/p>\n<\/details>\n<details>\n<summary>Does the default standard product have to be an ETF savings plan?<\/summary>\n<p>Not necessarily; providers may also offer active funds or traditional insurance policies as their default standard product, as long as the cost cap and the minimum requirements are met.<\/p>\n<\/details>\n<details>\n<summary>Is the contribution guarantee included in the default standard product?<\/summary>\n<p>No, the default standard product is specifically allowed to do <em>without<\/em> a guarantee, in order to make a full equity allocation possible.<\/p>\n<\/details>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>Who is it best suited to?<\/strong><br \/>For self-directed investors with ETF knowledge it is often the best variant for both return and cost.<\/p>\n<\/div>\n<p class=\"small muted\">Last updated: June 2026.<\/p>\n<section class=\"avd-weiter\">\n<h2>Keep calculating and reading<\/h2>\n<p class=\"avd-weiter__rechner\"><strong><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/altersvorsorgedepot-calculator-extended\/\">Altersvorsorgedepot calculator Plus<\/a><\/strong> \u2014 calculate the subsidy, tax advantage and final balance for your own situation.<\/p>\n<ul class=\"avd-weiter__links\">\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/reduction-in-yield-riy-in-the-altersvorsorgedepot-what-you-need-to-know\/\">Reduction in yield<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/contribution-guarantee-in-the-altersvorsorgedepot-optional-instead-of-mandatory\/\">contribution guarantee<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/switching-providers-transfer-instead-of-terminating\/\">Switching provider<\/a><\/li>\n<\/ul>\n<p class=\"avd-weiter__lexikon\">All terms at a glance: <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/altersvorsorgedepot-glossary-all-terms-from-a-to-z\/\">Glossary from A to Z<\/a>.<\/p>\n<\/section>\n<section class=\"avd-sources\">\n<h2>Official sources and further information<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/FAQ\/reform-der-privaten-altersvorsorge.html\" rel=\"external nofollow\" target=\"_blank\">Federal Ministry of Finance, FAQ on the reform of private retirement provision<\/a><\/li>\n<li><a href=\"https:\/\/www.bundesregierung.de\/breg-de\/aktuelles\/reform-private-altersvorsorge-2400072\" rel=\"external nofollow\" target=\"_blank\">German federal government, private retirement provision reform<\/a><\/li>\n<li><a href=\"https:\/\/www.bundestag.de\/dokumente\/textarchiv\/2026\/kw13-de-altersvorsorge-1156798\" rel=\"external nofollow\" target=\"_blank\">German Bundestag, resolution on the Altersvorsorgedepot (calendar week 13\/2026)<\/a><\/li>\n<li><a href=\"https:\/\/dserver.bundestag.de\/btd\/21\/040\/2104088.pdf\" rel=\"external nofollow\" target=\"_blank\">Bundestag printed paper 21\/4088 (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.deutsche-rentenversicherung.de\/DRV\/DE\/Ueber-uns-und-Presse\/Presse\/Meldungen\/2026\/260508-bundesrat-reform-private-altersvorsorge.html\" rel=\"external nofollow\" target=\"_blank\">Deutsche Rentenversicherung, reform announcement<\/a><\/li>\n<li><a href=\"https:\/\/www.test.de\/Altersvorsorgedepot-4910361-0\/\" rel=\"external nofollow\" target=\"_blank\">Stiftung Warentest, Altersvorsorgedepot<\/a><\/li>\n<li><a href=\"https:\/\/www.verbraucherzentrale.de\/wissen\/geld-versicherungen\/altersvorsorge\/neues-altersvorsorgedepot-rentenchance-oder-teure-verkaufsfalle-118178\" rel=\"external nofollow\" target=\"_blank\">Verbraucherzentrale, the new Altersvorsorgedepot: opportunity or sales trap?<\/a><\/li>\n<\/ul>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>The default standard product in the Altersvorsorgedepot: a basic offering prescribed by law with a cost cap of 1% p.a. How it works and when it is worth it.<\/p>\n","protected":false},"author":2,"featured_media":0,"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":[68],"tags":[69,70,75,71,76],"class_list":["post-1779292558","post","type-post","status-publish","format-standard","hentry","category-what-is","tag-altersvorsorgedepot","tag-contribution-guarantee","tag-etf","tag-reduction-in-yield","tag-regular-savings-plan"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292558","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=1779292558"}],"version-history":[{"count":0,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292558\/revisions"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779292558"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/categories?post=1779292558"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/tags?post=1779292558"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}