{"id":1779297074,"date":"2026-10-28T10:29:29","date_gmt":"2026-10-28T10:29:29","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/?p=1779297074"},"modified":"2026-10-28T11:27:02","modified_gmt":"2026-10-28T11:27:02","slug":"the-altersvorsorgedepot-from-a-b2b-platforms-point-of-view-interview-with-ffb","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/expert-interviews\/the-altersvorsorgedepot-from-a-b2b-platforms-point-of-view-interview-with-ffb\/","title":{"rendered":"The Altersvorsorgedepot from a B2B platform&#8217;s point of view \u2013 interview with FFB"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779297074\" class=\"elementor elementor-1779297074 elementor-1779297073\">\n\t\t\t\t<div class=\"elementor-element elementor-element-440c8f7 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"440c8f7\" 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-9a5fffe e-con-full e-flex e-con e-child\" data-id=\"9a5fffe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89b0fe2 elementor-widget__width-initial animated-fast elementor-widget elementor-widget-image\" data-id=\"89b0fe2\" 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=\"506\" height=\"506\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1.webp\" class=\"attachment-full size-full wp-image-1779297116\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1.webp 506w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1-150x150.webp 150w\" sizes=\"(max-width: 506px) 100vw, 506px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09a176f elementor-widget elementor-widget-text-editor\" data-id=\"09a176f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tMichael M\u00fcller, Head of Partner &#038; Adviser Sales at FIL Fondsbank (FFB)\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-004c968 e-con-full e-flex e-con e-child\" data-id=\"004c968\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e86f75 elementor-widget elementor-widget-text-editor\" data-id=\"5e86f75\" 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>10 questions for Michael M\u00fcller \u2013 an expert interview<\/h2>\n<p>FIL Fondsbank (FFB) is approaching the Altersvorsorgedepot (Germany&#8217;s new government-subsidized retirement investment account) as a B2B platform, working through brokers, broker pools and asset managers rather than selling directly to end customers. In this interview, Michael M\u00fcller, Head of Partner &#038; Adviser Sales, explains how FFB is setting up its standard and premium models, what lies behind the Altersvorsorgedepot Select option and why he considers the business a strategic growth area.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-802f8b1 elementor-widget elementor-widget-text-editor\" data-id=\"802f8b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"avd-ki avd-ki--button avd-ki--align-left\"\n\t\tdata-avd-ki\n\t\tdata-prompt=\"Please summarise the article at this URL for me: https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779297074\/\n\nUse at most 8 bullet points, in English. End with the 3 most important practical takeaways for someone considering a German retirement investment account (Altersvorsorgedepot). Article title: AVD Anbieter Vergleich\">\n\n\t\t<button type=\"button\"\n\t\t\tclass=\"avd-ki__trigger\"\n\t\t\tid=\"avd-ki-9342-btn\"\n\t\t\taria-expanded=\"false\"\n\t\t\taria-haspopup=\"true\"\n\t\t\taria-controls=\"avd-ki-9342-menu\">\n\t\t\t<span class=\"avd-ki__spark\" aria-hidden=\"true\">\n\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"currentColor\" d=\"M12 2.6 13.5 8a5 5 0 0 0 3.5 3.5l5.4 1.5-5.4 1.5A5 5 0 0 0 13.5 18L12 23.4 10.5 18A5 5 0 0 0 7 14.5L1.6 13 7 11.5A5 5 0 0 0 10.5 8L12 2.6ZM19.4 1l.6 2.1 2.1.6-2.1.6-.6 2.1-.6-2.1-2.1-.6 2.1-.6.6-2.1Z\"\/><\/svg>\n\t\t\t<\/span>\n\t\t\t<span class=\"avd-ki__label\">Summarise this article with AI<\/span>\n\t\t\t<span class=\"avd-ki__caret\" aria-hidden=\"true\">\n\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m6 9 6 6 6-6\"\/><\/svg>\n\t\t\t<\/span>\n\t\t<\/button>\n\n\t\t<div class=\"avd-ki__menu\"\n\t\t\tid=\"avd-ki-9342-menu\"\n\t\t\trole=\"menu\"\n\t\t\taria-labelledby=\"avd-ki-9342-btn\"\n\t\t\thidden>\n\t\t\t<p class=\"avd-ki__hint\">Opens the article with a ready-made prompt in:<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/chatgpt.com\/?hints=search&#038;q=Please%20summarise%20the%20article%20at%20this%20URL%20for%20me%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779297074%2FUse%20at%20most%208%20bullet%20points%2C%20in%20English.%20End%20with%20the%203%20most%20important%20practical%20takeaways%20for%20someone%20considering%20a%20German%20retirement%20investment%20account%20%28Altersvorsorgedepot%29.%20Article%20title%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"chatgpt\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M22.28 9.82a5.98 5.98 0 0 0-.52-4.91 6.05 6.05 0 0 0-6.5-2.9A6.06 6.06 0 0 0 4.98 3.8a5.98 5.98 0 0 0-4 2.9 6.05 6.05 0 0 0 .75 7.1 5.98 5.98 0 0 0 .51 4.91 6.05 6.05 0 0 0 6.51 2.9A5.98 5.98 0 0 0 13.26 24a6.06 6.06 0 0 0 5.77-4.21 5.99 5.99 0 0 0 4-2.9 6.06 6.06 0 0 0-.75-7.07Zm-9.02 12.6a4.48 4.48 0 0 1-2.88-1.04l.14-.08 4.78-2.76a.79.79 0 0 0 .39-.68v-6.74l2.02 1.17.02.04v5.58a4.5 4.5 0 0 1-4.47 4.5Zm-9.65-4.12a4.47 4.47 0 0 1-.54-3l.14.09 4.79 2.76a.78.78 0 0 0 .78 0l5.84-3.37v2.33a.08.08 0 0 1-.03.06l-4.84 2.79a4.5 4.5 0 0 1-6.14-1.64ZM2.34 7.9a4.48 4.48 0 0 1 2.35-1.97v5.68a.77.77 0 0 0 .38.67l5.83 3.36-2.02 1.17a.07.07 0 0 1-.07 0l-4.83-2.8a4.5 4.5 0 0 1-1.64-6.1Zm16.62 3.86-5.84-3.4L15.13 7.2a.07.07 0 0 1 .07 0l4.84 2.8a4.49 4.49 0 0 1-.68 8.1v-5.68a.78.78 0 0 0-.4-.67Zm2.01-3.02-.14-.09-4.78-2.79a.78.78 0 0 0-.79 0L9.43 9.23V6.9a.07.07 0 0 1 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class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/claude.ai\/new?q=Please%20summarise%20the%20article%20at%20this%20URL%20for%20me%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779297074%2FUse%20at%20most%208%20bullet%20points%2C%20in%20English.%20End%20with%20the%203%20most%20important%20practical%20takeaways%20for%20someone%20considering%20a%20German%20retirement%20investment%20account%20%28Altersvorsorgedepot%29.%20Article%20title%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"claude\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M4.71 15.15 9.4 12.5l.08-.23-.08-.13H9.2l-.79-.05-2.69-.07-2.33-.1-2.26-.12-.57-.12L0 10.97l.05-.35.48-.32.68.06 1.51.1 2.27.16 1.64.1 2.44.25h.39l.05-.16-.13-.1-.1-.09-2.36-1.6L4.36 7.3l-1.34-.98-.72-.49-.37-.46-.15-1.02.66-.73.88.06.23.06.9.69 1.92 1.49 2.5 1.84.37.3.15-.1.02-.08-.17-.28L7.83 3.9l-1.5-2.6-.67-1.07-.18-.64a3.1 3.1 0 0 1-.1-.75L6.13 0l.42.57.6 1.63.98 1.7 1.51 2.95.44.87.24.8.09.25h.15V8.9l.13-1.72.24-2.11.23-2.72.08-.76.38-.92.75-.5.59.29.48.69-.07.44-.29 1.9-.56 2.93-.37 1.96h.21l.25-.24 1-1.33 1.68-2.1.74-.83.87-.92.55-.44h1.05l.77 1.15-.35 1.18-1.08 1.37-.9 1.16-1.28 1.73-.8 1.38.07.11.19-.02 2.89-.61 1.56-.29 1.86-.31.85.39.09.4-.34.82-2 .5-2.35.47-3.5.83-.04.03.05.06 1.58.15.67.04h1.65l3.07.22.8.53.48.65-.08.49-1.23.63-1.67-.4-3.88-.92-1.33-.33h-.19v.11l1.11 1.08 2.03 1.83 2.54 2.37.13.59-.33.46-.35-.05-2.26-1.7-.87-.77-1.98-1.66h-.13v.18l.45.67 2.42 3.63.12 1.12-.17.36-.63.22-.69-.13-1.42-2-1.47-2.24-1.18-2.02-.15.09-.7 7.53-.33.38-.76.3-.63-.49-.34-.78.34-1.54.4-2 .33-1.6.3-1.97.18-.66-.01-.04-.14.02-1.5 2.05-2.27 3.07-1.8 1.92-.43.17-.75-.39.07-.69.42-.61 2.49-3.17 1.5-1.96.97-1.14-.01-.16h-.06L4.4 16.9l-1.15.15-.5-.46.07-.76.23-.25 1.94-1.33Z\" \/><\/svg><\/span>\n\t\t\t\t\t<span>Claude<\/span>\n\t\t\t\t\t<span class=\"avd-ki__ext\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M14 4h6v6M20 4l-9 9M18 14v5a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1V7a1 1 0 0 1 1-1h5\"\/><\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/www.perplexity.ai\/search\/new?q=Please%20summarise%20the%20article%20at%20this%20URL%20for%20me%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779297074%2FUse%20at%20most%208%20bullet%20points%2C%20in%20English.%20End%20with%20the%203%20most%20important%20practical%20takeaways%20for%20someone%20considering%20a%20German%20retirement%20investment%20account%20%28Altersvorsorgedepot%29.%20Article%20title%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"perplexity\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M12 2.5 5.2 7.4h2.3v6.9H5.2v3.4h5.4v3.8h1.6v-3.8h5.4v-3.4h-2.3V7.4h2.3L12 2.5Zm-.8 3.2v1.7H9l2.2-1.7Zm1.6 0 2.2 1.7h-2.2V5.7ZM9.1 8.9h1.5v5.4H9.1V8.9Zm4.3 0h1.5v5.4h-1.5V8.9Z\" \/><\/svg><\/span>\n\t\t\t\t\t<span>Perplexity<\/span>\n\t\t\t\t\t<span class=\"avd-ki__ext\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M14 4h6v6M20 4l-9 9M18 14v5a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1V7a1 1 0 0 1 1-1h5\"\/><\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/www.google.com\/search?udm=50&#038;aep=11&#038;q=Please%20summarise%20the%20article%20at%20this%20URL%20for%20me%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779297074%2FUse%20at%20most%208%20bullet%20points%2C%20in%20English.%20End%20with%20the%203%20most%20important%20practical%20takeaways%20for%20someone%20considering%20a%20German%20retirement%20investment%20account%20%28Altersvorsorgedepot%29.%20Article%20title%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"google\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M12 2.6 13.5 8a5 5 0 0 0 3.5 3.5l5.4 1.5-5.4 1.5A5 5 0 0 0 13.5 18L12 23.4 10.5 18A5 5 0 0 0 7 14.5L1.6 13 7 11.5A5 5 0 0 0 10.5 8L12 2.6Z\" \/><\/svg><\/span>\n\t\t\t\t\t<span>Google AI Mode<\/span>\n\t\t\t\t\t<span class=\"avd-ki__ext\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M14 4h6v6M20 4l-9 9M18 14v5a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1V7a1 1 0 0 1 1-1h5\"\/><\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/grok.com\/?q=Please%20summarise%20the%20article%20at%20this%20URL%20for%20me%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Fen%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779297074%2FUse%20at%20most%208%20bullet%20points%2C%20in%20English.%20End%20with%20the%203%20most%20important%20practical%20takeaways%20for%20someone%20considering%20a%20German%20retirement%20investment%20account%20%28Altersvorsorgedepot%29.%20Article%20title%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"grok\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M6.1 15.4 14.8 4.2h3.1L7.9 17.9H4.8l1.3-2.5Zm11.8-4.1v8.5h-2.6v-5l2.6-3.5Z\" \/><\/svg><\/span>\n\t\t\t\t\t<span>Grok<\/span>\n\t\t\t\t\t<span class=\"avd-ki__ext\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M14 4h6v6M20 4l-9 9M18 14v5a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1V7a1 1 0 0 1 1-1h5\"\/><\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\n\t\t\t<button type=\"button\" class=\"avd-ki__item avd-ki__copy\" role=\"menuitem\">\n\t\t\t\t<span class=\"avd-ki__icon\">\n\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M9 9h10v10a1 1 0 0 1-1 1H9a1 1 0 0 1-1-1V9Z\"\/><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M16 6V5a1 1 0 0 0-1-1H5a1 1 0 0 0-1 1v10a1 1 0 0 0 1 1h1\"\/><\/svg>\n\t\t\t\t<\/span>\n\t\t\t\t<span class=\"avd-ki__copy-label\" data-kopiert=\"Copied\">Copy prompt<\/span>\n\t\t\t<\/button>\n\n\t\t\t<p class=\"avd-ki__note\">No data is sent to third parties before you click.<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\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<h3>FFB positions itself as a B2B securities account platform for brokers, broker pools and asset managers. How does your role in the Altersvorsorgedepot differ from that of pure direct providers that target end customers?<\/h3>\nOur focus is on providing brokers, broker pools, banks, asset managers and insurers with a comprehensive, investment-based retirement solution. We not only handle account management but also act as product provider and take on asset management, allowance management and certification. At the same time, we are convinced that retirement provision is not an area in which customers should be left on their own. Sound advice is crucial, especially when existing pension contracts, an individual&#8217;s financial situation and personal circumstances have to be taken into account. This is exactly where we differ from pure direct providers: we deliberately rely on the expertise of qualified advisers to support customers as well as possible with a complex decision that matters for the long term.\n<h3>You are planning a premium model with an actively managed glide path and a low-cost standard product. Why are you relying on active management for the premium model instead of purely rules-based reallocation?<\/h3>\nThe standard product is not a rigid or purely index-based solution. Customers can set their own risk appetite within predefined limits and thus influence their investment strategy. At the same time, the concept already provides for the use of actively managed ETFs, so adjustments to different market phases are possible here too. The Vorsorgedepot Plus (premium model) goes further and offers additional ways to steer the portfolio through a broader investment universe. Another key element is the glide path, which gradually adapts the portfolio to the customer&#8217;s changing risk profile as the payout phase approaches. This allows us to offer both a low-cost standard solution with professional management and a more individualized retirement solution for customers with more extensive requirements.\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-9faedf6 e-con-full e-flex e-con e-parent\" data-id=\"9faedf6\" data-element_type=\"container\" data-e-type=\"container\">\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\"><div class=\"kd-heading__title\">\u201cFor us, the Altersvorsorgedepot is a strategic growth area.\u201d<\/div><\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a64d960 e-flex e-con-boxed e-con e-parent\" data-id=\"a64d960\" 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-3c52e09 elementor-widget elementor-widget-text-editor\" data-id=\"3c52e09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>The statutory cost cap for standard accounts is 1.0 percent. How can an actively managed premium product with a glide path be made economically viable when the market is focused on this tight cost framework?<\/h3><p>In our view, the FFB Vorsorgedepot (standard) and the Vorsorgedepot Plus (premium) meet different customer needs. The standard product is designed to offer simple, low-cost access. The premium model is aimed at customers who consciously want additional services and active management of their retirement savings. What matters is that costs and added value are in balance and that customers have a transparent choice.<\/p><h3>For 2027, an additional option called Altersvorsorgedepot Select is planned, allowing advisers to select funds for their clients themselves. By what criteria will the underlying fund universe be curated, and will it remain open to fund companies outside Fidelity?<\/h3><p>Our goal is to provide advisers with a high-quality, broadly diversified fund universe. Criteria such as the quality of the investment process, risk management, long-term stability and operational suitability will play a key role in the selection. We generally follow an open platform approach and want to offer advisers an attractive choice of solutions.<\/p><h3>You want to open the platform to independent asset managers from 2027. Which regulatory, contractual or technical questions still need to be resolved for this?<\/h3><p>We generally see asset management solutions as a very useful addition to the Select solution and are currently examining intensively how we can integrate such models into the Altersvorsorgedepot.<\/p><p>In our view, asset management solutions offer many advantages. They enable professional and continuous management of client portfolios and are at the same time considerably more efficient and scalable for distribution partners than purely advice-based models under Section 34f of the German Trade Regulation Act (GewO).<\/p><p>That is why we are working very intensively on this topic. Our goal is to offer our partners, in the long term, the broadest possible range of solutions that sensibly covers different advisory and support approaches.<\/p><h3>FFB also handles allowance management and product certification for partners. How demanding is this administrative part of the Altersvorsorgedepot compared with your previous fund business?<\/h3><p>The requirements go well beyond the classic fund business. But that is precisely where we see important added value for our partners. Our aim is to handle the associated administrative and regulatory tasks centrally and as efficiently as possible, so that advisers and distribution partners can concentrate on looking after their clients.<\/p><h3>In 2023, a sale of FFB was considered but has since been abandoned. How does this episode affect the trust of distribution partners who are now expected to rely on FFB as a long-term platform for the Altersvorsorgedepot?<\/h3><p>Above all, our partners expect reliability, a willingness to invest and a long-term perspective. The fact that Fidelity is clearly committed to FFB and is at the same time investing in new growth areas such as the Altersvorsorgedepot is, in our view, a clear signal for the future of the platform. Feedback from our partners shows that this long-term orientation is appreciated.<\/p><h3>What importance should the Altersvorsorgedepot business have in the medium term for FFB and the entire Fidelity International group in Germany? Are we talking about a niche product or a strategic growth area with a corresponding expansion of staff and assets under management?<\/h3><p>For us, the Altersvorsorgedepot is a strategic growth area. We are convinced that capital market-based retirement provision will become significantly more important in Germany. That is why we are investing specifically in this business, building up the necessary resources and capacity, and expect corresponding growth in clients, assets and business volume in the coming years. At the same time, this topic fits perfectly with the DNA of Fidelity as one of the world&#8217;s leading retirement specialists.<\/p><h3>The launch date is January 1, 2027. How far along are the technical connections to large broker pool partners and the internal platform infrastructure at the moment?<\/h3><p>We are already in the implementation and integration phase. The current focus is on partner connections, API integrations and digital onboarding processes for the market launch on January 1, 2027. Several distribution partners are already in concrete integration or preparation phases. For some partners, API specifications have been provided, workshops held or test preparations started. At the same time, we use digital onboarding solutions to ensure that partners can start early even without full system integration.<\/p><p>On the platform side, we are building on an existing infrastructure. FFB already has established account and service processes. For the Altersvorsorgedepot, we are extending these to meet the new requirements of the retirement world and creating a scalable infrastructure for the market launch and further growth.<\/p><h3>If you had one wish for policymakers for the upcoming regulation and implementation phase: What would still need to be sharpened from the point of view of a B2B account platform so that the Altersvorsorgedepot works equally well for distribution partners and end customers?<\/h3><p>Our most important wish to policymakers is planning certainty. Providers, platforms and distribution partners are currently investing considerable resources in implementation. For this, we need clear and stable framework conditions at an early stage so that everyone involved can plan reliably.<\/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-f8acac1 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"f8acac1\" 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-39fccc1 e-con-full e-flex e-con e-child\" data-id=\"39fccc1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-353fee6 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"353fee6\" 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-0e73d9f e-con-full e-flex e-con e-child\" data-id=\"0e73d9f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac3c47c animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"ac3c47c\" 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\/en\/altersvorsorgedepot-calculator\/\"><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-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 expert<\/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\">Michael M\u00fcller<\/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>Head of Partner &#038; Adviser Sales, authorized signatory (Prokurist)<\/strong><\/p><p>At FIL Fondsbank (FFB), the independent platform of Fidelity International, Michael M\u00fcller is responsible for sales as Head of Partner &#038; Adviser Sales and, together with his team, acts as the central point of contact for broker pools, IFAs, asset managers, banks and insurers.<\/p><p>He is a trained banker and graduated from Goethe University Frankfurt am Main with a degree in business administration (Diplom-Kaufmann). Before joining FFB in 2014, he spent 15 years at Bankhaus Metzler, most recently as department director, where he was responsible for developing the product range of the investment platform Metzler Fund Xchange.<\/p><p><strong>Focus areas<\/strong><\/p><p>Strategic sales issues and business development in the field of investment platforms. Digital and process integration of the in-house custodian bank systems and APIs with external distribution channels (broker pools, asset managers, banks, insurers, fintechs). Regulation and settlement procedures in the securities business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-726bfa7 e-grid-align-left elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"726bfa7\" 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:\/\/www.linkedin.com\/in\/michaelmuellereppstein\/\" 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 fetchpriority=\"high\" decoding=\"async\" width=\"506\" height=\"506\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1.webp\" class=\"attachment-full size-full wp-image-1779297116\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1.webp 506w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/10\/michael-mueller-ffb-1-150x150.webp 150w\" sizes=\"(max-width: 506px) 100vw, 506px\" \/>\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>FIL Fondsbank (FFB) is bringing the Altersvorsorgedepot to market through brokers, broker pools and asset managers. Michael M\u00fcller explains the standard and premium models, the Altersvorsorgedepot Select option and why FFB sees the business as a strategic growth area.<\/p>\n","protected":false},"author":5,"featured_media":1779297116,"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":"The Altersvorsorgedepot from a B2B platform's point of view | AVD Comparison","_metasync_seo_desc":"Michael M\u00fcller of FIL Fondsbank (FFB) on the standard and premium models, the Altersvorsorgedepot Select option and distribution through brokers and pools.","_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":[67],"tags":[],"class_list":["post-1779297074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expert-interviews"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779297074","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/comments?post=1779297074"}],"version-history":[{"count":4,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779297074\/revisions"}],"predecessor-version":[{"id":1779297189,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779297074\/revisions\/1779297189"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media\/1779297116"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779297074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/categories?post=1779297074"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/tags?post=1779297074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}