Germany's new retirement savings account allows state-subsidized ETF investments

fr.de (German)

Germany introduces a new state-subsidized retirement savings account, the "Altersvorsorgedepot," allowing investment in ETFs from January 2027. This new "third pillar" of retirement provision replaces the complex Riester-Rente, offering direct, cost-effective ETF investments without mandatory guarantees or expensive insurance wrappers. It is also accessible to self-employed individuals. Key benefits include annual state subsidies up to €540, child bonuses, and a bonus for those under 25. The funds are locked until retirement age and taxed upon withdrawal.


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Germany's new retirement savings account allows state-subsidized ETF investments | News Minimalist