{"id":1779292563,"date":"2026-06-30T09:09:15","date_gmt":"2026-06-30T09:09:15","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-en-us\/etfs-in-the-altersvorsorgedepot-the-heart-of-the-new-retirement-provision\/"},"modified":"2026-09-24T10:54:00","modified_gmt":"2026-09-24T10:54:00","slug":"etfs-in-the-altersvorsorgedepot-the-heart-of-the-new-retirement-provision","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/etfs-in-the-altersvorsorgedepot-the-heart-of-the-new-retirement-provision\/","title":{"rendered":"ETFs in the Altersvorsorgedepot: the heart of the new retirement provision"},"content":{"rendered":"<p class=\"avd-lead\"> ETFs (exchange traded funds) are <strong>exchange-traded index funds<\/strong>. They automatically track an entire stock market, broadly diversified, transparent and at low cost. In the new <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/altersvorsorgedepot\/\">Altersvorsorgedepot<\/a> they are the central asset class. <\/p>\n<aside class=\"avd-callout tldr\">\n<p><strong>The key points at a glance:<\/strong><\/p>\n<ul>\n<li>Low costs, often TER below 0.25% p.a.<\/li>\n<li>Broadly diversified global ETFs are the standard choice<\/li>\n<li>MSCI World, FTSE All-World or MSCI ACWI are typical<\/li>\n<li>Tax is only due in the retirement phase<\/li>\n<li>No Vorabpauschale in the Altersvorsorgedepot<\/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 an ETF?<\/a><\/li>\n<li><a href=\"\/#welche\">Which ETFs are suitable?<\/a><\/li>\n<li><a href=\"\/#kosten\">What do ETFs cost?<\/a><\/li>\n<li><a href=\"\/#steuer\">How are ETFs taxed in the Altersvorsorgedepot?<\/a><\/li>\n<li><a href=\"\/#auswahl\">What to look for when choosing?<\/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 an ETF?<\/h2>\n<p> An exchange traded fund is a basket of securities that replicates an index. You buy an ETF share and thereby own a proportionate stake in <strong>hundreds or thousands of<\/strong> individual stocks. ETFs are traded on exchanges and, unlike actively managed funds, are usually <em>passively<\/em> managed, which makes them cheaper. <\/p>\n<\/section>\n<section id=\"welche\">\n<h2>Which ETFs are suitable for the Altersvorsorgedepot?<\/h2>\n<table class=\"avd-table\">\n<thead>\n<tr>\n<th>Index<\/th>\n<th>Equities<\/th>\n<th>Region<\/th>\n<th>typ. TER<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>MSCI World<\/td>\n<td>~ 1,500<\/td>\n<td>23 developed countries<\/td>\n<td>0.12\u20130.20%<\/td>\n<\/tr>\n<tr>\n<td>FTSE All-World<\/td>\n<td>~ 4,300<\/td>\n<td>World incl. emerging markets<\/td>\n<td>0.22%<\/td>\n<\/tr>\n<tr>\n<td>MSCI ACWI<\/td>\n<td>~ 2,900<\/td>\n<td>Developed + emerging markets<\/td>\n<td>0.17%<\/td>\n<\/tr>\n<tr>\n<td>S&amp;P 500<\/td>\n<td>500<\/td>\n<td>USA<\/td>\n<td>0.07\u20130.15%<\/td>\n<\/tr>\n<tr>\n<td>STOXX Europe 600<\/td>\n<td>600<\/td>\n<td>Europe<\/td>\n<td>0.07\u20130.20%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p> Which ETFs you can actually choose in your securities account depends on the provider. Premium products often offer hundreds of options, the default standard product typically a curated selection of common global ETFs. <\/p>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>Which ETF is best suited?<\/strong><br \/>A broadly diversified global ETF is the best choice for most savers in terms of return and cost.<\/p>\n<\/div>\n<section id=\"kosten\">\n<h2>What do ETFs cost?<\/h2>\n<p> The ongoing costs of an ETF are shown as the <strong>Total Expense Ratio (TER)<\/strong> figure. They are typically 0.05\u20130.25% per year. Spread and trading costs may be added. In the Altersvorsorgedepot these ETF costs are part of the overall <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>. <\/p>\n<\/section>\n<section id=\"steuer\">\n<h2>How are ETFs taxed in the Altersvorsorgedepot?<\/h2>\n<p> During the accumulation phase there is <strong>none<\/strong> tax on price gains or distributions. The otherwise usual <em>Vorabpauschale (advance lump-sum taxation)<\/em> also does not apply. Only the later payout is taxed at your personal income tax rate (<a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/deferred-taxation-in-the-altersvorsorgedepot\/\">deferred taxation<\/a>). <\/p>\n<\/section>\n<section id=\"auswahl\">\n<h2>What to look for when choosing?<\/h2>\n<ul>\n<li><strong>Broad diversification:<\/strong> Global ETFs &gt; thematic \/ country ETFs for the core investment.<\/li>\n<li><strong>Fund size:<\/strong> &gt; \u20ac500 million minimizes the risk of closure.<\/li>\n<li><strong>Replication method:<\/strong> Physical (buys the actual stocks) vs. synthetic (swap-based).<\/li>\n<li><strong>Accumulating vs. distributing:<\/strong> For the accumulation phase in the securities account this makes no difference for tax.<\/li>\n<li><strong>Tracking difference:<\/strong> How closely does the ETF follow the index?<\/li>\n<\/ul>\n<\/section>\n<section id=\"personas\">\n<h2>Practical tips for choosing ETFs<\/h2>\n<div class=\"avd-persona\">\n<p><strong>The classic for 90% of all savers:<\/strong> 1 ETF on the FTSE All-World or MSCI World, broad diversification, low costs, no maintenance required.<\/p>\n<\/div>\n<div class=\"avd-persona\">\n<p><strong>Return-oriented plus emerging markets:<\/strong> 70% MSCI World + 30% MSCI Emerging Markets, higher return potential, somewhat more volatility.<\/p>\n<\/div>\n<\/section>\n<section class=\"avd-faq\" id=\"faq\">\n<h2>Frequently asked questions about ETFs<\/h2>\n<details>\n<summary>Are ETFs safe?<\/summary>\n<p>ETFs legally count as segregated fund assets and are protected if the provider becomes insolvent. You do, however, bear the market risk (volatility) yourself.<\/p>\n<\/details>\n<details>\n<summary>What is the difference between an ETF and a fund?<\/summary>\n<p>Actively managed funds try to beat an index and have higher fees (typically 1.5\u20132%). ETFs track the index passively and are considerably cheaper.<\/p>\n<\/details>\n<details>\n<summary>Can I also buy individual stocks in the Altersvorsorgedepot?<\/summary>\n<p>Yes, provided the provider allows it. For diversification reasons, though, broadly diversified ETFs are usually preferred.<\/p>\n<\/details>\n<details>\n<summary>Are ESG\/sustainability ETFs allowed?<\/summary>\n<p>Yes, if the provider includes them in its universe. Some default standard products offer pure ESG variants.<\/p>\n<\/details>\n<details>\n<summary>What if my ETF is closed?<\/summary>\n<p>The provider transfers the capital into a successor ETF or pays it out; inside the securities account it stays protected.<\/p>\n<\/details>\n<details>\n<summary>Can I put crypto ETPs into the securities account?<\/summary>\n<p>As of 2026 that is not provided for. Traditional securities funds and ETFs are permitted.<\/p>\n<\/details>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>What are the tax advantages?<\/strong><br \/>In the AVD there is no Vorabpauschale and no tax during the accumulation phase, a clear advantage over a free-standing ETF account.<\/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\/regular-savings-plan-in-the-altersvorsorgedepot-save-into-etfs-automatically-every-month\/\">regular savings plan<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/returns-in-the-altersvorsorgedepot-what-is-realistically-achievable\/\">return<\/a><\/li>\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<\/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>ETFs in the Altersvorsorgedepot: what are exchange traded funds, which ones are suitable (MSCI World, FTSE All-World), TER, replication, tax. Including selection tips.<\/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":[69,70,77,71,76],"class_list":["post-1779292563","post","type-post","status-publish","format-standard","hentry","category-what-is","tag-altersvorsorgedepot","tag-contribution-guarantee","tag-default-standard-product","tag-reduction-in-yield","tag-regular-savings-plan"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292563","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=1779292563"}],"version-history":[{"count":0,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292563\/revisions"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779292563"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/categories?post=1779292563"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/tags?post=1779292563"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}