Decision Guide 2027

Checklist:
Switching to the Pension Depot

Daniel Hüsken

From 1 January 2027, you have a choice. This checklist helps you find out whether switching from your existing Riester plan to the new Pension Depot (Altersvorsorgedepot, AVD) makes financial sense for you.

1 Status quo of your current Riester plan

  • Are the annual effective costs of your plan higher than 1.2%? (See the product information sheet, Produktinformationsblatt)
  • Is your plan a traditional pension insurance policy with a low equity allocation?
  • Is your retirement at least 10 years away?

2 Your goals and risk tolerance

  • Are you willing to give up a 100% contribution guarantee in exchange for significantly higher return potential (ETFs)?
  • Do you want more flexibility in the payout phase (e.g. a withdrawal plan instead of a lifelong annuity)?

3 Checking the benefits of switching

  • Do you benefit from the new subsidy structure (e.g. 50% on the first €360 of your own contributions)?
  • Do you want to transfer your existing Riester balance, including the subsidies received, to the AVD?

Result:

Did you answer "yes" to more than 3 questions? Then there is a lot to be said for switching to the Pension Depot from 2027. Whether this applies in your case is best clarified in a personal consultation.

Legal Note: As an insurance broker according to § 34d GewO, I provide comprehensive advice on protection and the framework of state subsidies (allowance system, tax advantages). All information on this page serves as general educational information about the legislative reform (AVD) and does not constitute investment advice within the meaning of the WpHG or § 34f GewO. Individual advice on specific securities, investment funds, or ETFs does not take place. The final product details of the providers are still being coordinated due to the entry into force in 2027. All information reflects the current state of legislation and will be updated when it changes.
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