{"id":1779292574,"date":"2026-06-30T09:09:14","date_gmt":"2026-06-30T09:09:14","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-en-us\/regular-savings-plan-in-the-altersvorsorgedepot-save-into-etfs-automatically-every-month\/"},"modified":"2026-09-24T10:54:04","modified_gmt":"2026-09-24T10:54:04","slug":"regular-savings-plan-in-the-altersvorsorgedepot-save-into-etfs-automatically-every-month","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/regular-savings-plan-in-the-altersvorsorgedepot-save-into-etfs-automatically-every-month\/","title":{"rendered":"Regular savings plan in the Altersvorsorgedepot: save into ETFs automatically every month"},"content":{"rendered":"<p class=\"avd-lead\"> A regular savings plan is the natural heart of a good Altersvorsorgedepot: <strong>you automatically pay in a fixed amount every month<\/strong>which is invested directly in ETFs or funds. Start small, set it up once, benefit for years. <\/p>\n<aside class=\"avd-callout tldr\">\n<p><strong>The key points at a glance:<\/strong><\/p>\n<ul>\n<li>Automatic monthly purchases of ETFs or funds<\/li>\n<li>Cost averaging puts market fluctuations to work<\/li>\n<li>From \u20ac25 a month with most providers<\/li>\n<li>Adjustable, pausable or cancellable at any time<\/li>\n<li>A requirement for the full subsidy in the AVD<\/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 a regular savings plan?<\/a><\/li>\n<li><a href=\"\/#wie-funktioniert\">How does it work in the Altersvorsorgedepot?<\/a><\/li>\n<li><a href=\"\/#cost-average\">Cost averaging<\/a><\/li>\n<li><a href=\"\/#beispiel\">How much does it add up to in the end?<\/a><\/li>\n<li><a href=\"\/#tipps\">Practical tips<\/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 a regular savings plan?<\/h2>\n<p> A regular savings plan is a <strong>standing order that pays not into an instant-access savings account but directly into securities<\/strong> You set the amount, the execution day and the savings target (ETF, fund), and the provider then buys automatically at the specified time. <\/p>\n<\/section>\n<section id=\"wie-funktioniert\">\n<h2>How does a regular savings plan work in the Altersvorsorgedepot?<\/h2>\n<ol>\n<li>You open a certified Altersvorsorgedepot.<\/li>\n<li>You choose one or more ETFs \/ funds.<\/li>\n<li>You set the savings plan amount (typically \u20ac25, \u20ac50, \u20ac100, \u20ac150).<\/li>\n<li>The direct debit is executed every month.<\/li>\n<li>Allowances are added automatically and invested as well.<\/li>\n<\/ol>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>Why do I even need a regular savings plan?<\/strong><br \/>Saving automatically every month is the simplest way to put <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/compound-interest-in-the-altersvorsorgedepot-why-starting-early-changes-everything\/\" data-wpil-monitor-id=\"17\">compound interest<\/a> to work for you.<\/p>\n<\/div>\n<figure class=\"avd-figure\">\n<p class=\"avd-figure__title\">Growth of a regular savings plan over 30 years (\u20ac150\/month)<\/p>\n<p><img decoding=\"async\" alt=\"Wachstum eines Sparplans \u00fcber 30 Jahre (150 \u20ac\/Monat)\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/05\/sparplan-01.png\"\/><figcaption>With \u20ac150 a month over 30 years and a 6% return p.a., \u20ac54,000 in own contributions grows to around \u20ac151,000.<\/figcaption><\/figure>\n<section id=\"cost-average\">\n<h2>Cost averaging: the average beats timing<\/h2>\n<p> Because you always pay in the same amount, when prices are low you automatically buy <em>more<\/em> units, and when prices are high <em>fewer<\/em>. Over a long period this produces a favorable average price, and you do not have to guess the perfect entry point. <\/p>\n<\/section>\n<section id=\"beispiel\">\n<h2>How much does it add up to in the end?<\/h2>\n<table class=\"avd-table\">\n<thead>\n<tr>\n<th>Monthly contribution<\/th>\n<th>Term<\/th>\n<th>Return p.a.<\/th>\n<th>Final balance<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u20ac100<\/td>\n<td>20 years<\/td>\n<td>6%<\/td>\n<td>~\u20ac46,000<\/td>\n<\/tr>\n<tr>\n<td>\u20ac150<\/td>\n<td>30 years<\/td>\n<td>6%<\/td>\n<td>~\u20ac151,000<\/td>\n<\/tr>\n<tr>\n<td>\u20ac200<\/td>\n<td>35 years<\/td>\n<td>7%<\/td>\n<td>~\u20ac360,000<\/td>\n<\/tr>\n<tr>\n<td>\u20ac300<\/td>\n<td>40 years<\/td>\n<td>7%<\/td>\n<td>~\u20ac790,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"small muted\">Excluding allowances and taxes. With <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/basic-allowance-in-the-altersvorsorgedepot-up-to-e540-per-year-from-the-state\/\" data-wpil-monitor-id=\"18\">allowances you get<\/a> up to \u20ac540 a year plus child allowances on top.<\/p>\n<\/section>\n<section id=\"tipps\">\n<h2>Practical tips for your regular savings plan<\/h2>\n<ul>\n<li><strong>Start early:<\/strong> every extra month multiplies the compounding effect.<\/li>\n<li><strong>Increase the amount with your salary:<\/strong> with every pay rise, put 1% more into the savings plan.<\/li>\n<li><strong>At least \u20ac150\/month:<\/strong> use the full basic allowance.<\/li>\n<li><strong>Keep the ETF selection small:<\/strong> 1\u20132 broadly diversified ETFs are enough.<\/li>\n<li><strong>Do not stop the savings plan:<\/strong> stick with it even in crashes, that is the whole advantage.<\/li>\n<\/ul>\n<\/section>\n<section id=\"personas\">\n<h2>Practical examples of savings plans<\/h2>\n<div class=\"avd-persona\">\n<p><strong>Beginner Lukas, 25, \u20ac50\/month.<\/strong> He secures the full 50% allowance on the first \u20ac360. He increases the amount every 2 years until he reaches \u20ac150\/month.<\/p>\n<\/div>\n<div class=\"avd-persona\">\n<p><strong>Late starter Petra, 50, \u20ac300\/month.<\/strong> A high contribution, quickly catching up on the pension gap. At a 5% return over 17 years, around \u20ac100,000 final balance.<\/p>\n<\/div>\n<\/section>\n<section class=\"avd-faq\" id=\"faq\">\n<h2>Frequently asked questions about the regular savings plan<\/h2>\n<details>\n<summary>Can I pause the savings plan?<\/summary>\n<p>Yes, at any time online and free of charge. But make sure you pay in at least the minimum amount per year to secure the full allowance.<\/p>\n<\/details>\n<details>\n<summary>Can I have several savings plans in the same securities account?<\/summary>\n<p>Yes, many providers allow several parallel savings plans, e.g. a world ETF and an emerging markets ETF.<\/p>\n<\/details>\n<details>\n<summary>What happens if the account is empty?<\/summary>\n<p>The direct debit bounces and the provider informs you. If this happens repeatedly, the savings plan can be stopped automatically.<\/p>\n<\/details>\n<details>\n<summary>Regular savings plan or one-off payment?<\/summary>\n<p>A regular savings plan is the norm. One-off payments are possible and count toward the <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/special-expenses-deduction-in-the-altersvorsorgedepot-e1800-plus-allowance-entitlement\/\" data-wpil-monitor-id=\"16\">\u20ac1,800 limit<\/a> for the year.<\/p>\n<\/details>\n<details>\n<summary>How often should I review the amount?<\/summary>\n<p>Once a year, ideally after a pay rise.<\/p>\n<\/details>\n<details>\n<summary>Can I choose the execution day?<\/summary>\n<p>Yes, the 1st, the 15th or the end of the month are common. It has only a minimal effect on the final balance.<\/p>\n<\/details>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>How high should the contribution be?<\/strong><br \/>Even \u20ac25 to \u20ac50 a month is enough to build six-figure sums over the long term.<\/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\/compound-interest-in-the-altersvorsorgedepot-why-starting-early-changes-everything\/\">compound interest<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/etfs-in-the-altersvorsorgedepot-the-heart-of-the-new-retirement-provision\/\">ETFs in the Altersvorsorgedepot<\/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<\/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>Regular savings plan in the Altersvorsorgedepot: how it works, what minimum amounts apply and why cost averaging helps over the long term. Incl. model calculation.<\/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":[69,73,77,75,71],"class_list":["post-1779292574","post","type-post","status-publish","format-standard","hentry","category-what-is","tag-altersvorsorgedepot","tag-basic-allowance","tag-default-standard-product","tag-etf","tag-reduction-in-yield"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292574","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=1779292574"}],"version-history":[{"count":0,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292574\/revisions"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779292574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/categories?post=1779292574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/tags?post=1779292574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}