{"id":45,"date":"2026-05-27T10:26:05","date_gmt":"2026-05-27T10:26:05","guid":{"rendered":"https:\/\/ihkh1001-altersvorsorgedepot.com\/?page_id=45"},"modified":"2026-05-28T06:41:08","modified_gmt":"2026-05-28T06:41:08","slug":"produkt","status":"publish","type":"page","link":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/produkt\/","title":{"rendered":"produkt"},"content":{"rendered":"
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The Retirement Investment Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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The Retirement Investment Account (AVD) is Germany's new government-certified private pension scheme, launching on 1 January 2027. It replaces the Riester Pension and combines government grants with modern ETF investments.<\/p>

Unlike the old Riester Pension, there is no mandatory capital guarantee, lower costs, and a significantly more attractive grant structure. Contributions of up to \u20ac6,840 per year are tax-deductible, and growth is tax-free.<\/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\n<\/div>\n

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Standard Account vs. Flex Account<\/h2>\t\t\t\t<\/div>\n\t\t
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Standard Account<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Government-managed account with pre-configured ETFs. Costs capped at 1% p.a. Ideal for beginners who don't want active portfolio management.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Flex Account<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Provider-managed account with free ETF selection. Greater flexibility, potentially higher costs. Suited for experienced investors.<\/p>\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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n

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Who is eligible?<\/h2>\t\t\t\t<\/div>\n\t\t
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\u2713<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Employees<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\u2713<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\tSelf-employed\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\u2713<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\tFreelancers\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\u2713<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Civil servants<\/p>\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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n

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Compared to the Riester Pension\n<\/h2>\t\t\t\t<\/div>\n\t\t
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Feature<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Riester Pension (old)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Retirement Investment Account (new)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Basic allowance<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\u20ac175\/year (flat)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Up to \u20ac540\/year (tiered)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Child allowance<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\u20ac300\/child<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\u20ac300\/child<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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ETF investment<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\u274c Not allowed<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\u2705 Fully available<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\tCapital guarantee\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\u2705 100% mandatory\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tOptional (0%, 80%, 100%)\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tMax. costs\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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~2% p.a.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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1.0% p.a. (Standard Account)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Self-employed<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\u274c Not eligible\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\u2705 Eligible<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\tTax-free growth\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\u274c\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\u2705<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\tMarket launch\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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2001<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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1 January 2027<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n

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Payout phase<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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From the start of retirement (earliest at age 62) you can choose from three options: a monthly pension (annuity), a phased withdrawal plan, or a combination of lump-sum payout and pension. All payouts are taxed at your personal income tax rate.<\/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\n<\/div>\n

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Frequently asked questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Who can open a Retirement Investment Account? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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All persons subject to unlimited tax liability in Germany: employees, self-employed, freelancers, and civil servants.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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When can I open an AVD? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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From 1 January 2027 at certified providers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Can I transfer my Riester contract? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes, from 2027 existing Riester contracts can be transferred to an AVD free of charge.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What is the maximum basic allowance? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Up to \u20ac540 per year \u2014 tiered according to the level of your own contributions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Is there a capital guarantee? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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No \u2014 unlike the Riester Pension, no contribution guarantee is required. You can choose between 0%, 80%, or 100%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How are payouts taxed? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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At your personal income tax rate in retirement (deferred taxation).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What does the AVD Standard Account cost? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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A maximum of 1.0% p.a. on assets under management \u2014 a statutory cost cap.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What happens if I pause contributions? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Contributions can be paused or adjusted at any time. The grant is calculated based on actual deposits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tCalculate my grant \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\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\n<\/div>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Das Altersvorsorgedepot Das Altersvorsorgedepot (AVD) ist Deutschlands neue staatlich zertifizierte private Rentenvorsorge, die am 1. Januar 2027 startet. Es ersetzt die Riester-Rente und verbindet staatliche F\u00f6rderung mit modernen ETF-Investments. Im Gegensatz zur alten Riester-Rente gibt es keine verpflichtende Kapitalgarantie, niedrigere Kosten und eine deutlich attraktivere F\u00f6rderstruktur. Beitr\u00e4ge bis zu \u20ac6.840 pro Jahr sind steuerlich absetzbar, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-45","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/pages\/45","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/comments?post=45"}],"version-history":[{"count":140,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/pages\/45\/revisions"}],"predecessor-version":[{"id":523,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/pages\/45\/revisions\/523"}],"wp:attachment":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/media?parent=45"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}