{"id":67378,"date":"2026-06-18T15:51:37","date_gmt":"2026-06-18T13:51:37","guid":{"rendered":"https:\/\/www.captrader.com\/?post_type=blog&#038;p=67378"},"modified":"2026-06-18T15:51:37","modified_gmt":"2026-06-18T13:51:37","slug":"retirement-savings-account-2027-everything-you-need-to-know","status":"publish","type":"blog","link":"https:\/\/www.captrader.com\/en\/blog\/altersvorsorge-depot-2027-alles-was-sie-wissen-muessen\/","title":{"rendered":"Retirement Savings Account 2027: Everything You Need to Know"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Starting in 2027, the retirement savings account will increasingly move into the spotlight as a new concept for private retirement provision. The goal is to make long-term wealth accumulation simpler, more flexible, and more transparent than previous subsidized retirement provision models. At its core is an account model that will allow investments in funds and ETFs while providing government incentives for self-responsible retirement provision. Against the backdrop of demographic developments and the ongoing discussion about the future of the statutory pension, the retirement savings account is being considered as a potential component to reduce pension gaps in old age. The concept combines capital market orientation with tax incentives, thus opening up opportunities but also raising new questions for savers.<strong><br><\/strong> The following provides an overview of the planned design to date, the main advantages and risks, as well as the possible role of the retirement savings account in private retirement planning strategies from 2027 onwards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Notice:<\/strong> The presentation is based on the <a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/FAQ\/reform-der-privaten-altersvorsorge.html\" rel=\"nofollow noopener\" target=\"_blank\">Information<\/a> of the Federal Ministry of Finance and is a simplified summary. The information may change in the further course of the legislative process.\n<\/p>\n\n\n<style id=\"bricks-inline-css-component-lnntzm\">\n\/* BREAKPOINT: Desktop (BASE) *\/\n.block-editor-iframe__body .brxe-rtliac:not(.tag), .block-editor-iframe__body .brxe-rtliac img{aspect-ratio: 1; object-fit: contain}\n.block-editor-iframe__body .brxe-rtliac{width: 65px}\n\n\n\/* BREAKPOINT: Desktop (BASE) *\/\n.block-editor-iframe__body .brxe-lkidxf{border: 3px solid #F6F6F8; margin-top: -60px; background-color: var(--light)}\n\n\n\/* BREAKPOINT: Desktop (BASE) *\/\n.block-editor-iframe__body .brxe-jzmkoh{font-weight: 600; font-size: var(--text-xl); text-transform: uppercase}\n\n\n\/* BREAKPOINT: Desktop (BASE) *\/\n.block-editor-iframe__body .brxe-umltno ul li{ list-style: none; position: relative; padding-left: 30px;} .block-editor-iframe__body .brxe-umltno ul li::before{ content: ''; position: absolute; left: 0; top: 0.4em; width: 15px; height: 15px; background-image: url('\/wp-content\/uploads\/2024\/02\/square-full-solid.svg'); background-size: contain; background-repeat: no-repeat;}\n\n\n\/* BREAKPOINT: Mobil Hochformat *\/\n@media (max-width: 478px){\n.block-editor-iframe__body .brxe-xowhkb{margin-top: 20px}\n}\n\n\/* BREAKPOINT: Desktop (BASE) *\/\n.block-editor-iframe__body .brxe-lnntzm{background-color: #F6F6F8; align-items: center; position: relative; margin-top: 60px; padding-right: var(--space-l); padding-bottom: var(--space-l); padding-left: var(--space-l)}\n\n\n\/* Disable links in editor *\/\n.block-editor-iframe__body a.brxe-lnntzm, .block-editor-iframe__body .brxe-lnntzm a{ pointer-events: none; }\n<\/style><div class=\"brxe-lnntzm brxe-block\"><div class=\"brxe-lkidxf brxe-div radius-full padding-s\"><img decoding=\"async\" src=\"https:\/\/www.captrader.com\/wp-content\/uploads\/2025\/06\/Icons_Uebersicht-blau.svg\" class=\"brxe-rtliac brxe-image css-filter size-full\" alt=\"A simple outline of a document with horizontal lines and a yellow magnifying glass in front of it, symbolizing the document check or search.\" \/><\/div><div class=\"brxe-xowhkb brxe-block\"><h2 class=\"brxe-jzmkoh brxe-heading\">The most important facts in brief<\/h2><div class=\"brxe-umltno brxe-text\"><p><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/p>\n<li>The 2027 Pension Fund is intended to reform and reorganize state-subsidized retirement provisions in Germany.<\/li>\n<p><!-- \/wp:list-item --> <!-- wp:list-item --><\/p>\n<li>Sponsored contributions could, depending on the product design, also be invested in certain ETFs and funds without a contribution guarantee.<\/li>\n<p><!-- \/wp:list-item --> <!-- wp:list-item --><\/p>\n<li>Goal: Unlock more return opportunities through capital market orientation in private retirement provision<\/li>\n<p><!-- \/wp:list-item --><\/ul>\n<p><!-- \/wp:list --><\/p>\n<\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>How funding works in the Pension Provision Depot 2027<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">According to the current draft law, the basic subsidy is to be designed as a tiered bonus on one's own contributions. For the first 360 euros, the subsidy is 50 percent, and for further contributions up to a maximum of 1,800 euros, it is 25 percent. This results in a maximum subsidized basic bonus of 540 euros per year. In addition, a child bonus of up to 300 euros per year is to be granted for each child. Those who open an AV depot before the age of 25 will also receive a one-time starter bonus of 200 euros. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Advantages of the AV deposit<\/strong> <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Among the greatest advantages of the AV depot are higher return opportunities through a stronger focus on capital market and ETF investments, as well as tax incentives during the savings phase. At the same time, the new system is intended to be simpler, less expensive, and more flexible than the previous Riester pension. Self-employed individuals will also be directly eligible for subsidies for the first time in the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Disadvantages and criticism<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Possible disadvantages of the AV savings plan arise primarily from the long-term tying up of capital and the subsequent taxation of benefits in old age. Furthermore, depending on the specific design, flexibility may be limited and the cost structure can influence the actual return.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Who can benefit from a retirement savings account?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The planned state subsidy in the new pension savings account 2027 is not equally available to all population groups. The decisive factor is one's personal status within the employment and social security system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\n  Simply put, the circle of eligible beneficiaries can be divided into a broad circle. This includes, for example:\n<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. Classic workers<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Employees and trainees (employment subject to compulsory insurance)<\/li>\n\n\n\n<li>Minijobbers under certain conditions (not exempt from insurance obligations)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">2. Officials as well as certain professional groups<br>     In addition, eligible for funding are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Officials, judges, and soldiers<\/li>\n\n\n\n<li>Farmers and working family members (through the agricultural pension scheme)<\/li>\n\n\n\n<li>Members of the Artists' Social Security Fund<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">3. Self-employed individuals and freelancers<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both tradespeople and certain self-employed individuals can be included in the eligible group of beneficiaries if they generate corresponding income and have submitted a tax return. In addition, mandatory members of professional pension institutions, such as doctors, lawyers, or tax advisors, should also be included.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4. Eligibility for Benefits through Spouse<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even individuals without their own direct claim can benefit from the promotion under certain conditions, through their spouse or registered partner.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Summary Pension Account 2027: State-subsidized account structure for capital market-oriented saving<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The planned retirement savings depot 2027 could be repositioned as a state-subsidized depot wrapper for retirement savings in Germany and prospectively replace the previous Riester pension. The goal is to enable capital market-oriented investment of the state-subsidized contributions, particularly in ETFs and funds, in order to open up higher return opportunities in the long term.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even with a lower income, a retirement savings account could be a sensible component for long-term wealth accumulation. The ability to save regularly over a long-term horizon with the help of the compound interest effect is likely to be important.<br>Whether the new retirement savings depot can ultimately meet expectations remains to be seen. While proponents see the initiative as a significant step towards modern retirement provision, critics point to the risks of capital market-oriented investments.<\/p>","protected":false},"excerpt":{"rendered":"<p>Ab 2027 r\u00fcckt das Altersvorsorgedepot als neues Konzept der privaten Altersvorsorge verst\u00e4rkt in den Fokus. Ziel ist es, langfristigen Verm\u00f6gensaufbau einfacher, flexibler und transparenter zu gestalten als bisherige gef\u00f6rderte Vorsorgemodelle. Im Mittelpunkt steht dabei ein Depotmodell, das Investitionen in Fonds und ETFs erm\u00f6glichen soll und gleichzeitig staatliche Anreize f\u00fcr die eigenverantwortliche Altersvorsorge vorsieht. Vor dem [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":46175,"menu_order":0,"template":"","blog-kategorie":[840],"class_list":["post-67378","blog","type-blog","status-publish","has-post-thumbnail","hentry","blog-kategorie-boerse"],"acf":{"blog_summary":"","blog_faq_schalter":"ja","faq_uberschrift":"FAQ - H\u00e4ufig gestellte Fragen","blog_faq_loop":[{"blog_faq_question":"Ab wann soll das Altersvorsorgedepot 2027 starten?","blog_faq_answer":"Das Altersvorsorgedepot soll ab dem 1. Januar 2027 verf\u00fcgbar sein. Ab diesem Zeitpunkt k\u00f6nnen Anbieter neue gef\u00f6rderte Altersvorsorgeprodukte, darunter auch das renditeorientierte Depot, auf den Markt bringen. Bestehende Vertr\u00e4ge sollen davon unber\u00fchrt sein und k\u00f6nnen somit weitergef\u00fchrt werden."},{"blog_faq_question":"Wer kann das Altersvorsorgedepot 2027 in Anspruch nehmen?","blog_faq_answer":"Das Altersvorsorgedepot 2027 richtet sich in erster Linie an Erwerbst\u00e4tige, die in das deutsche System der Alterssicherung eingebunden sind. Dazu z\u00e4hlen etwa Arbeitnehmer ebenso wie viele Selbstst\u00e4ndige, Freiberufler und Angeh\u00f6rige bestimmter Versorgungswerke."},{"blog_faq_question":"Wie funktioniert die steuerliche F\u00f6rderung?","blog_faq_answer":"Nach aktuellem Gesetzesentwurf soll die Grundf\u00f6rderung als gestaffelte Zulage auf eigene Einzahlungen ausgestaltet werden. F\u00fcr die ersten 360 Euro betr\u00e4gt die F\u00f6rderung 50 Prozent und f\u00fcr weitere Einzahlungen bis maximal 1.800 Euro 25 Prozent. Daraus ergibt sich eine maximal gef\u00f6rderte Grundzulage von 540 Euro pro Jahr. Zus\u00e4tzlich soll f\u00fcr jedes Kind eine Kinderzulage von bis zu 300 Euro pro Jahr gew\u00e4hrt werden. Wer das AV-Depot vor dem 25. Lebensjahr abschlie\u00dft, soll au\u00dferdem einen einmaligen Berufseinsteigerbonus von 200 Euro bekommen."},{"blog_faq_question":"Vorteile und Nachteile des Altersvororgedepots 2027","blog_faq_answer":"Zu den wichtigsten Vorteilen des AV-Depots fungieren die Renditechancen durch Investitionen in ETFs und andere Fonds. Dazu gesellen sich staatliche F\u00f6rderungen sowie steuerfreie Ertr\u00e4ge w\u00e4hrend der Ansparphase. Zudem soll das Modell einfacher, flexibler und kosteng\u00fcnstiger als die bisherige Riester-Rente ausgestaltet werden. Erstmals sollen auch Selbstst\u00e4ndige direkt von der F\u00f6rderung profitieren k\u00f6nnen.\r\n<p style=\"line-height: 150%;\"><span style=\"font-family: 'Arial',sans-serif;\">Zu den m\u00f6glichen Nachteilen z\u00e4hlen die langfristige Bindung des angesparten Kapitals sowie die nachgelagerte Besteuerung der Auszahlungen im Alter. Zudem ist das Verm\u00f6gen st\u00e4rkeren Schwankungen an den Kapitalm\u00e4rkten ausgesetzt als klassische Garantiesysteme. Je nach Anbieter k\u00f6nnen au\u00dferdem Kosten die tats\u00e4chliche Rendite reduzieren und die Verf\u00fcgbarkeit des Kapitals vor Rentenbeginn eingeschr\u00e4nkt sein.<\/span><\/p>"},{"blog_faq_question":"Lohnt sich das Altersvorsorgedepot 2027 bei vergleichsweise geringeren Einkommen?","blog_faq_answer":"<p style=\"line-height: 150%;\"><span style=\"font-family: 'Arial',sans-serif;\">Das Altersvorsorgedepot 2027 kann auch bei niedrigerem Einkommen ein sinnvoller Baustein f\u00fcr den langfristigen Verm\u00f6gensaufbau sein. Von Bedeutung ist dabei nicht die H\u00f6he des Einkommens, sondern die Option, regelm\u00e4\u00dfig und langfristig Geld am Kapitalmarkt anlegen zu k\u00f6nnen.\r\nSomit k\u00f6nnen selbst kleine monatliche Sparbetr\u00e4ge \u00fcber viele Jahre hinweg mit Hilfe des Zinseszinseffekts ein durchaus relevantes zus\u00e4tzliches Altersvorsorgeverm\u00f6gen aufbauen und sich zu einem sp\u00fcrbaren Verm\u00f6genspolster entwickeln.\r\nZu beachten gilt es jedoch, dass die monatliche Sparrate realistisch und dauerhaft tragbar bleibt sowie Kapitalm\u00e4rkte Schwankungen unterliegen und es auch zu Kursr\u00fcckg\u00e4ngen kommen kann.<\/span><\/p>"}]},"_links":{"self":[{"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/blog\/67378","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/types\/blog"}],"author":[{"embeddable":true,"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/users\/36"}],"version-history":[{"count":1,"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/blog\/67378\/revisions"}],"predecessor-version":[{"id":67379,"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/blog\/67378\/revisions\/67379"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/media\/46175"}],"wp:attachment":[{"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/media?parent=67378"}],"wp:term":[{"taxonomy":"blog-kategorie","embeddable":true,"href":"https:\/\/www.captrader.com\/en\/wp-json\/wp\/v2\/blog-kategorie?post=67378"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}