Blog & Ratgeber
Alles Wissenswerte zum Altersvorsorgedepot
The retirement savings account (AVD) is Germany's new state-subsidized pension scheme, which will replace the Riester pension from January 1, 2027.
We compare the old Riester system with the new retirement savings account and show why switching is advantageous for most savers.
ETFs are the core of the new AVD. We explain which ETFs you can choose and how to build a balanced portfolio.
With the right strategy, you can get up to €540 basic allowance plus child allowances per year from the AVD (German unemployment insurance). Here's how.
The power of compound interest rewards early savers disproportionately. We show why starting an AVD savings plan at age 22 makes such a big difference.
The most frequently asked questions about the AVD — from eligibility for funding to the payment phase — answered in a compact and understandable way.