{"id":256,"date":"2026-05-27T13:06:35","date_gmt":"2026-05-27T13:06:35","guid":{"rendered":"https:\/\/ihkh1001-altersvorsorgedepot.com\/?p=256"},"modified":"2026-05-28T05:15:27","modified_gmt":"2026-05-28T05:15:27","slug":"riester-vs-avd-vergleich","status":"publish","type":"post","link":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/riester-vs-avd-vergleich\/","title":{"rendered":"Riester Pension vs. AVD: A detailed comparison"},"content":{"rendered":"<p class=\"text-grey-dark leading-relaxed mb-4\">Der Vergleich zwischen Riester-Rente und Altersvorsorgedepot zeigt deutliche Vorteile f\u00fcr das neue System.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Grants<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">W\u00e4hrend die Riester-Rente eine pauschale Grundzulage von 175 \u20ac pro Jahr bot, bietet das AVD bis zu 540 \u20ac pro Jahr durch ein gestaffeltes System.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Anlagem\u00f6glichkeiten<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Die Riester-Rente erlaubte keine direkten ETF-Investments. Das AVD hingegen erm\u00f6glicht eine vollst\u00e4ndige Aktienquote in g\u00fcnstigen ETFs.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Capital guarantee<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Die Riester-Rente verlangte eine 100%-Beitragsgarantie, was die Renditen dr\u00fcckte. Das AVD macht die Garantie optional.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Kosten<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Riester-Produkte kosteten oft 2% p.a. oder mehr. Das AVD-Standard-Depot ist auf 1% p.a. gedeckelt.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Fazit<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">F\u00fcr langfristige Sparer ist das AVD klar vorteilhafter. Bestehende Riester-Vertr\u00e4ge k\u00f6nnen ab 2027 \u00fcbertragen werden.<\/p>","protected":false},"excerpt":{"rendered":"<p>We compare the old Riester system with the new Retirement Investment Account and show why switching is advantageous for most savers.<\/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-256","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\/256","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=256"}],"version-history":[{"count":2,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/posts\/256\/revisions"}],"predecessor-version":[{"id":353,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/posts\/256\/revisions\/353"}],"wp:attachment":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/media?parent=256"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/categories?post=256"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/tags?post=256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}