The state funding for the AVD is tiered and can be optimized with the right contribution strategy.
Step 1: Understanding the basic allowance
The government contributes 50% (max. €180) to the first €360 of personal contribution per year. For the next €1,440 (up to a total of €1,800), it contributes 25% (max. €360). This results in a total maximum basic allowance of €540.
Step 2: Pay the base contribution
To receive the full basic allowance, you must pay at least €1,800 of your own contributions per year — that’s €150 per month.
Step 3: Use child allowance
For each child receiving child benefit, there is a child allowance of up to €300 per year — starting from just €25 of your own monthly contributions per child.
Step 4: Secure your entry-level bonus
Anyone who opens an AVD account before their 25th birthday receives a one-time bonus of €200. Don’t miss out!
Step 5: Use the price comparison tool
For higher incomes (marginal tax rate 42%+), the tax deductibility can further increase the subsidy.