AVD Depot

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Everything you need to know about the Retirement Investment Account

The Retirement Investment Account (AVD) is Germany's new government-funded pension scheme, replacing the Riester Pension from 1 January 2027.

We compare the old Riester system with the new Retirement Investment Account and show why switching is advantageous for most savers.

ETFs are the cornerstone of the new AVD. We explain which ETFs you can choose and how to build a balanced portfolio.

With the right strategy you can claim up to €540 basic allowance plus child allowances per year from the AVD.

Compound interest rewards early savers disproportionately. We show why starting an AVD at 22 makes such a big difference.

The most frequently asked questions about the AVD — from eligibility to the payout phase — answered clearly and concisely.