{"id":893,"date":"2026-10-04T12:33:21","date_gmt":"2026-10-04T12:33:21","guid":{"rendered":"https:\/\/unconfuse.de\/?page_id=893"},"modified":"2026-10-04T15:37:47","modified_gmt":"2026-10-04T15:37:47","slug":"altersvorsorgedepot","status":"publish","type":"page","link":"https:\/\/unconfuse.de\/de\/altersvorsorgedepot\/","title":{"rendered":"Altersvorsorgedepot"},"content":{"rendered":"

Altersvorsorgedepot
made easy.<\/h1>

A new way to invest for retirement.<\/h3>

From 1 January 2027, Germany\u2019s new retirement framework offers state-supported investing without a compulsory capital guarantee. More investment freedom can mean more growth potential\u2014and more risk. We help you understand whether it fits your plans.<\/p>\n

\u2190 Back to Financial Planning<\/a><\/p>

Planned start: 1 January 2027.<\/strong> Availability, charges and investment choices depend on the provider\u2019s certified product.<\/p>

Explore your retirement options<\/a><\/div><\/div><\/div>
\"A<\/figure><\/div><\/div><\/div>

MORE ROOM FOR LONG-TERM GROWTH<\/strong><\/p>

What makes the new depot different?<\/h2>

Invest with
more freedom<\/h3>

Depending on the product, savings can go into eligible funds or ETFs through a fund platform or insurance arrangement. Removing the guarantee leaves more room for growth-oriented investments. Returns are variable and losses are possible.<\/p><\/div>

A simpler
standard option<\/h3>

The Standarddepot uses two funds: one cautious, one growth-oriented, with a default allocation and gradual risk reduction. Its effective cost ceiling is one percentage point of annual return over the contract; other products have different charges.<\/p><\/div><\/div>

The framework starts in 2027. Actual availability, investment choices and charges depend on the provider\u2019s certified product. Guarantee-based alternatives remain available for people who prefer greater security.<\/p><\/div>

STATE SUPPORT, EXPLAINED<\/strong><\/p>

What could the government add?<\/h2>

Up to \u20ac540
basic allowance<\/h3>

The first \u20ac360 you save each year attracts a 50% allowance; the next \u20ac1,440 attracts 25%. At \u20ac1,800 of annual saving\u2014\u20ac150 a month\u2014the basic allowance reaches \u20ac540. At least \u20ac120 of annual contributions is required.<\/p><\/div>

Extra support
for eligible families<\/h3>

The child allowance matches your contributions up to \u20ac300 per eligible child each year, subject to the child-benefit rules. A qualifying saver under 25 can also receive a one-off \u20ac200 starter bonus.<\/p><\/div><\/div>

Example:<\/strong> \u20ac1,800 of your own annual saving plus \u20ac540 basic allowance puts \u20ac2,340 into the plan before investment gains, losses and charges. Child allowances can add more where you qualify.<\/p>

Eligible groups include employees, civil servants and qualifying self-employed people; some spouses qualify indirectly. A German address alone does not establish eligibility. Contributions can reach \u20ac6,840 annually per contract, but the basic subsidy applies only to the first \u20ac1,800.<\/p>

Funding and launch: Federal Government<\/a>.<\/p>

Check your eligibility and allowance<\/a><\/div><\/div><\/div>

TAX RELIEF AND RETIREMENT PAYOUTS<\/strong><\/p>

Understand the benefit\u2014and the commitment<\/h2>

Tax advantages
while saving<\/h3>

Investment earnings are not taxed during accumulation. The special-expense deduction is limited to \u20ac1,800 plus allowances. The tax office compares the deduction\u2019s value with your allowance entitlement; you do not receive both benefits twice.<\/p>

Later, the entire payout attributable to subsidised contributions\u2014including those contributions, allowances and gains\u2014is taxable at your personal rate. This is nachgelagerte Besteuerung. Unsubsidised contributions follow different rules.<\/p><\/div>

Income options
in retirement<\/h3>

The normal payout start is between 65 and 70; an earlier statutory old-age pension can permit an earlier start. Choose a lifelong annuity or a withdrawal plan calculated to last at least until age 85. The latter does not guarantee lifelong income.<\/p>

Up to 30% can be taken as capital at the start. Other early withdrawals generally mean repaying state support unless a specific exception applies. This is retirement saving, rather than an everyday-access investment account.<\/p><\/div><\/div><\/div>

BEFORE YOU CHOOSE<\/strong><\/p>

Make it fit your life across borders<\/h2>

Moving abroad?
Check the funding.<\/h3>

Living outside the EU\/EEA at the start of, or during, payouts can trigger repayment of allowances and tax advantages. Cross-border tax rules also matter. US-connected clients should obtain specialist advice before choosing investments or transferring a plan.<\/p><\/div>

Already have Riester?
Compare before switching.<\/h3>

Existing Riester contracts can continue. A transfer to the new framework is optional and can change guarantees, charges and subsidy rules. Compare your current rights with the new offer, including risk tolerance, access restrictions and the expected net retirement income.<\/p><\/div><\/div><\/div>

KEEP LEARNING<\/strong><\/p>

Retirement planning articles<\/h2>
\"A<\/figure><\/div>

Why Riester fell short\u2014and what the Altersvorsorgedepot changes<\/h3>

A fresh start for retirement saving from January 2027. Explore the new investment choices, the standard depot\u2019s cost ceiling and what removing a compulsory guarantee means for your future.<\/p>

Read the article \u2192<\/a><\/strong><\/p><\/div><\/div>

Browse all articles & guides \u2192<\/a><\/strong><\/p><\/div>

FIND YOUR NEXT STEP<\/strong><\/p>

Let\u2019s plan for
your next chapter.<\/h2>

We listen first, then connect you with a specialist who can compare the options around your circumstances. The product should fit you.<\/p>

Talk through your retirement options<\/a><\/div><\/div>

General information, checked 3 October 2026. Individual tax treatment and contract terms matter. Framework effective from 2027. Sources: BMF reform FAQ<\/a> and GDV product and payout overview<\/a>.<\/p>

Explore all financial planning options \u2192<\/a><\/strong><\/p><\/div>","protected":false},"excerpt":{"rendered":"

Altersvorsorgedepotmade easy. A new way to invest for retirement. From 1 January 2027, Germany\u2019s new retirement framework offers state-supported investing without a compulsory capital guarantee. More investment freedom can mean more growth potential\u2014and more risk. We help you understand whether it fits your plans. \u2190 Back to Financial Planning Planned start: 1 January 2027. Availability, […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"no-title","meta":{"footnotes":""},"class_list":["post-893","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/pages\/893","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/comments?post=893"}],"version-history":[{"count":7,"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/pages\/893\/revisions"}],"predecessor-version":[{"id":1109,"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/pages\/893\/revisions\/1109"}],"wp:attachment":[{"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/media?parent=893"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}