Altersvorsorgedepot 2027

In principle, state subsidies are to be opened up to a larger group of people in the future copared to the old Riester pension - including, among others, the self-employed, freelancers, and tradespeople. Whether you are eligible for the subsidy depends on the statutory requirements. You can find the exact details in our magazine article on the Altersvorsorgedepot.

Especially for anyone who was already planning to save regularly for retirement and can pay in around €150 a month. That's €1,800 a year — exactly the threshold at which you get the full base allowance of €540 a year. If you have children, the child allowance of up to €300 per child is added on top.

For the so-called Standarddepot - a particularly simple, standardised variant of the Altersvorsorgedepot - the law caps effective costs at a maximum of 1% per year for all providers. This applies no matter where you open your account. Other variants of the Altersvorsorgedepot aren't subject to this cap. Whether Tomorrow will offer the Standarddepot or another variant, and what the costs will actually be, is something we'll publish transparently once the product launches. Please note that the Altersvorsorgedepot requires a Tomorrow account, which carries the regular account fees. You can find the different fees here.

We mean it seriously: through clearly defined positive and negative criteria and an external body, the Impact Council, we ensure that not a cent of your deposits is invested in harmful industries like fossil fuels, weapons or factory farming. On top of that, a part of your deposits finances environmentally and socially sustainable projects, such as renewable energy, social infrastructure, and affordable housing.

Our work is based on the UN Sustainable Development Goals, which we have grouped into five categories: securing basic needs, empowerment, climate protection, nature, and fairness. We only potentially fund companies and projects that contribute to these challenges.

For this, Fair Finance ranked us 2nd out of 20 banks. We disclose all details in our annual sustainability report.

Existing Riester contracts are expected to be transferable into the Altersvorsorgedepot under certain conditions. The exact conditions and how the transfer will work technically haven't been finally regulated by law yet.

In principle, your capital in the Altersvorsorgedepot is locked in until you retire. That's part of how subsidized retirement provision works. There are, however, statutory exceptions, for example in connection with owner-occupied residential property. Once you retire, you can withdraw up to 30% of your capital as a lump sum, with the rest paid out as a regular pension. We'll explain exactly which exceptions apply to your Altersvorsorgedepot at Tomorrow once the product launches.

Whether a retirement brokerage account (Altersvorsorgedepot) is sustainable depends on the securities it holds - usually ETFs, meaning funds that track an entire stock market index, or actively managed funds. Sustainable options exclude certain industries such as weapons, coal power, or factory farming, and instead focus on companies and projects that meet ecological and social criteria, for example in renewable energy or sustainable agriculture. Some providers also have their selection reviewed by independent committees or recognised sustainability labels.

So how sustainable your retirement brokerage account ends up being depends on the provider and the specific investment options you can choose there. We'll publish which investment options are available when Tomorrow's retirement brokerage account launches in 2027, and why it's sustainable, as soon as the product goes live.