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What is inside
- The five accounts side by side: workplace pension (bAV), Basisrente (Rürup), ETF savings plan with the tax free allowance, employer savings contribution (VL), and the new Altersvorsorgedepot
- How each one works, with the German term next to it
- The 2026 limits and key numbers
- What to know before you commit, from lock ins to tax on payouts
- What happens to existing Riester contracts when the new depot starts in 2027
- Three questions to ask before you open anything
Want the full walkthrough? Watch the explainer on YouTube.
General information only, not tax, legal or investment advice. Figures are for 2026, status October 2026. Rules and limits change, and the Altersvorsorgedepot details come from published guidance and may change before launch. For your own situation, ask a Steuerberater or a fee only adviser (Honorarberater).