{"id":230,"date":"2026-05-27T12:56:03","date_gmt":"2026-05-27T12:56:03","guid":{"rendered":"https:\/\/ihkh1001-altersvorsorgedepot.com\/?p=230"},"modified":"2026-05-28T05:08:54","modified_gmt":"2026-05-28T05:08:54","slug":"faq-altersvorsorgedepot","status":"publish","type":"post","link":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/faq-altersvorsorgedepot\/","title":{"rendered":"FAQ: Your questions about the Retirement Investment Account answered"},"content":{"rendered":"<h1 class=\"font-serif text-navy text-3xl md:text-4xl font-bold mb-8 leading-tight\">FAQ: Your questions about the Retirement Investment Account answered<\/h1>\n<div class=\"prose prose-navy max-w-none\">\n<p class=\"text-grey-dark leading-relaxed mb-4\">Hier beantworte wir die wichtigsten Fragen zum Altersvorsorgedepot.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Wer kann ein AVD er\u00f6ffnen?<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Grunds\u00e4tzlich alle unbeschr\u00e4nkt steuerpflichtigen Personen in Deutschland: Arbeitnehmer, Selbstst\u00e4ndige, Freiberufler, Beamte und Rentner bis zum Beginn der Rentenphase.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Ab wann kann man ein AVD er\u00f6ffnen?<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Ab dem 1. Januar 2027. Vorbereitende Anmeldungen k\u00f6nnen vorher m\u00f6glich sein.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Kann ich mein altes Riester-Produkt \u00fcbertragen?<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Yes, from 2027 existing Riester contracts can be transferred to an AVD free of charge.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Wie hoch ist die staatliche F\u00f6rderung maximal?<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Grundzulage: max. 540 \u20ac\/Jahr. Kinderzulage: max. 300 \u20ac\/Kind\/Jahr. Berufseinsteiger-Bonus: einmalig 200 \u20ac.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">What happens if I pause contributions?<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Beitr\u00e4ge k\u00f6nnen jederzeit pausiert werden. Die F\u00f6rderung wird entsprechend den tats\u00e4chlichen Einzahlungen berechnet.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Wie werden Auszahlungen im Rentenalter besteuert?<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Auszahlungen werden mit dem pers\u00f6nlichen Einkommensteuersatz im Rentenalter versteuert (nachgelagerte Besteuerung).<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Is there a capital guarantee?<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Nein \u2014 im Gegensatz zur Riester-Rente ist keine Beitragsgarantie vorgeschrieben. Anleger k\u00f6nnen zwischen 0%, 80% oder 100% Garantieniveau w\u00e4hlen.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Welche Kosten fallen an?<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Beim Standard-Depot maximal 1,0% p.a. auf das verwaltete Verm\u00f6gen.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>The most frequently asked questions about the AVD \u2014 from eligibility to the payout phase \u2014 answered clearly and concisely.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[19],"class_list":["post-230","post","type-post","status-publish","format-standard","hentry","category-grundlagen","tag-fundamentals"],"_links":{"self":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/posts\/230","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/types\/post"}],"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=230"}],"version-history":[{"count":4,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/posts\/230\/revisions"}],"predecessor-version":[{"id":343,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/posts\/230\/revisions\/343"}],"wp:attachment":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/media?parent=230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/categories?post=230"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/tags?post=230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}