Current flagship

Altersvorsorgedepot as a Service

Altersvorsorgedepot as a Service is the complete AVD offering from a single source: product development and certification, advice and completion journeys, the investment and asset management backend, customer and adviser portals and AI advice, under your brand, ready to go in a matter of weeks.

Experience the platform live →Book a meeting (opens in a new tab)See how it runs ↓
A couple going through their pension paperwork together at the kitchen table
Book, letter, journey, completion, one customer, one case
Seven blocks
ONE CONTRACT, ONE INTEGRATION
1 January 2027
AVD PRODUCTS LAUNCH
from 0.05% TER
AVD STANDARD PORTFOLIOS
BaFin
REGULATED ASSET MGMT
In 90 seconds

The Altersvorsorgedepot 2027, and how partners launch it.

Explainer: title card “Das Altersvorsorgedepot 2027. What changes, and how partners launch it.” with the Xaver wordmark on a light ground; then scenes on the two-stage start, lifecycling, portfolio and costs, the platform, the Riester switching service, the AI adviser and the three partner routes.
Explainer · silent, with subtitles

Four title cards and seven scenes from the platform animation: what changes with the Altersvorsorgedepot, and what partners get from Xaver, from pre-registration to operations. The product in detail →

How it runs

From book analysis to completion, in eight steps.

  1. 01Adviser

    Analyse the book

    The adviser works through the Riester and pension book with the book-evaluation tools: who gains from switching into the Altersvorsorgedepot, and for whom it is not worth it. What comes out is a prioritised list rather than a mailshot.

    Book evaluation · quick subsidy comparison
    Book evaluation in the adviser portal: the hit list of the Riester book, each case showing the subsidy rate today and in the Altersvorsorgedepot, sorted by the advantage of switching.
    01 / 08 · Analyse the book

    Book evaluation with the quick subsidy comparison: Riester (old) against the Altersvorsorgedepot (new), sample data from the demo environment.

  2. 02Adviser

    Individual letters, sent automatically

    Out of that analysis the adviser sends individual letters automatically, each carrying the customer's own Riester-versus-AVD projection and a QR code that leads straight into their prepared journey and their personal AI adviser.

    Letter generator · preview
    The letter generator: the recipients selected out of the book analysis on the left, and on the right the preview of the letter with its personal projection and QR code.
    02 / 08 · Individual letters, sent automatically

    The individual letter with its projection and QR code. Allowance amounts under the AVRG.

  3. 03Customer

    The customer calls the AI adviser

    The customer scans the code or dials the number and asks their questions about the Altersvorsorgedepot, around the clock, in more than 50 languages. The assistant identifies itself as an AI, informs, and does not recommend.

    Call · AI adviser
    KI
    Incoming call · customer
    Xaver AI adviser
    02:14

    “What changes for my Riester contract if I switch?”

    50+ languages24 / 7AI assistant · no recommendation
    03 / 08 · The customer calls the AI adviser

    Schematic view of the voice conversation with the AI adviser.

  4. 04CustomerAI

    Handover into the prefilled journey

    Once the questions are answered, the voice AI hands over into the journey, prefilled with everything already known. No spelling out a name twice, no loss of context when the channel changes.

    Handover · prefilled journey
    The journey on the phone right after the handover from the voice conversation: name, contract position and number of children are already filled in, and the next step is marked.
    04 / 08 · Handover into the prefilled journey

    The handover from voice into the already completed journey.

  5. 05Customer

    Riester against AVD, calculated individually

    Inside the journey Xaver calculates the existing contract against the Altersvorsorgedepot: four options, scored and reasoned, including the honest recommendation to keep the contract where that is the better one.

    Riester-to-AVD switching service · result
    The four-option comparison on the phone: the recommendation at the top, then the four routes with their rating bars and a reason for each.
    05 / 08 · Riester against AVD, calculated individually

    The four-option comparison, each option scored and reasoned.

  6. 06Customer

    Advise and complete, Standarddepot or the full AVD

    The same journey runs through to completion: either straight into the Standarddepot, the standard account the act prescribes, or through full advice with a suitability statement into the complete Altersvorsorgedepot with its allowances.

    Completion journey · step 1 of 6
    The completion journey on the phone: the progress bar above the choice between the advised route and the Standarddepot.
    06 / 08 · Advise and complete, Standarddepot or the full AVD

    Both routes start in the same flow, the advised route additionally checks what fits.

  7. 07Adviser + customer

    Handover to the personal adviser

    Where the customer wants a human, or the case calls for one, the personal adviser takes over, with the full context in the advisory co-pilot: conversation frame, contract position and advice documentation are already there.

    Advisory co-pilot · handover
    The advisory co-pilot at the moment of handover: the framing details out of the journey on the left, and on the right the advice documentation continuing to write itself.
    07 / 08 · Handover to the personal adviser

    The co-pilot takes over the context and keeps the advice documentation running alongside the conversation.

  8. 08Adviser + customer

    Completion in one joint appointment, in 15 minutes

    In the joint appointment the Riester switch and the AVD completion are both started. Because everything is prefilled and the process is digitally supported end to end, this is a matter of minutes rather than an afternoon.

    Adviser portal · joint appointment
    The joint appointment in the adviser portal: subsidy, profile and contract position side by side, with the actions for the Riester switch and the AVD completion below.
    08 / 08 · Completion in one joint appointment, in 15 minutes

    In the adviser portal the subsidy, the profile and the journey are already there, the appointment confirms and completes.

An illustrative run of one book campaign. Every screen comes from the real Xaver demo environment and shows sample data only; steps without a screen of their own are marked as schematic.

Riester switching service →Advice & completion →AI adviser →
Pre-registration from October 2026
A start in two stages.
Stage 1 · from October 2026

Pre-registration

  1. Identification & data capture
  2. Suitability assessment
  3. Product choice

Self-service or with an adviser, on the same data.

AI adviser guides and explains the recommendation
leads to
Stage 2 · from 1 January 2027

Confirmation with one click

  1. Confirm the choice
  2. Account opening, automated
  3. Standing allowance request, automated

No second data capture, no system switch.

Pre-registration, not an application: no commitment, no payment obligation; confirm, change or leave it in January.

The building blocks

Seven building blocks. One offering.

  1. 01

    White-label AVD products & certification

    Product development, configuration and certification of the Standard, Premium, Garantie and Nettotarif lines, under your brand.

  2. 02

    Sales tools & book activation

    Calculators, comparisons and personalised entry points that activate prospects and existing customers.

  3. 03

    Riester comparison & switching service

    Analysis, documented comparison, digital transfer, including the recommendation to hold.

  4. 04

    Completion journeys for customers and advisers

    Self-service, hybrid or adviser-led, with no break in the process through to completion.

  5. 05

    Asset management & investment backend

    Regulated discretionary management, portfolio management, rebalancing and allowance operations.

  6. 06

    Customer and adviser portals

    Portals, cockpits and dashboards with consistent data, documents and servicing functions.

  7. 07

    AI adviser for hybrid distribution

    Chat and voice for customers and advisers, across the whole journey, in 50+ languages.

  8. Each one usable on its own.
    Modules in detail →
Your setup

Put together what Xaver runs for you.

What Xaver runs
Your journey
  1. 01Xaver
    White-label AVD products & certification
  2. 02Xaver
    Sales tools & book activation
  3. 03Xaver
    Riester comparison & switching service
  4. 04Xaver
    Completion journeys for customers and advisers
  5. 05Xaver
    Asset management & investment backend
  6. 06Xaver
    Customer and adviser portals
  7. 07Xaver
    AI adviser for hybrid distribution

Xaver runs all 7 building blocks.

Your selection travels with it as a message.
The product variants

Four variants, one journey.

  • AVD Standard

    From 1 January 2027
    Completable in the same journey
    Yes
    Investment
    The statutory standard account, managed: lifecycle in eleven allocation steps, fund costs from 0.05%.
    Advice & suitability
    The statutory Standarddepot with Xaver's portfolio management (DPM overlay); suitability assessment and documentation inside the journey.
    Configurable by the partner
    Investment concept and documents; cost structure within the statutory frame.
    Subsidy
    Allowances and the special-expenses deduction under the AVRG.
    Responsibility: product · advice · custody · servicing
    Product and custody: Xaver with the partner banks. Portfolio management: Xaver. Servicing: Xaver, under your brand.
    Status
    Pre-registration from October 2026, product launch 1 January 2027.

  • AVD Premium

    From 1 January 2027
    Completable in the same journey
    Yes
    Investment
    Active discretionary management, lifecycling per customer rather than per cohort; building blocks from 0.09% to 0.11% including active ETFs; example path “Secure”.
    Advice & suitability
    Full advice with a suitability statement, documented inside the journey.
    Configurable by the partner
    Investment concept, costs and documents, all under your brand.
    Subsidy
    Allowances and the special-expenses deduction under the AVRG.
    Responsibility: product · advice · custody · servicing
    Product, custody and servicing: Xaver. Advice: your house, supported by the journey and the co-pilot.
    Status
    Pre-registration from October 2026, product launch 1 January 2027.

  • AVD Garantie (guarantee)

    Through partner insurers
    Completable in the same journey
    Yes
    Investment
    Guarantee options through partner insurers; the partner sets the guarantee level and term.
    Advice & suitability
    Full advice with a suitability statement; the guarantee is part of the suitability assessment.
    Configurable by the partner
    Guarantee level and term, investment concept and documents.
    Subsidy
    Allowances and the special-expenses deduction under the AVRG.
    Responsibility: product · advice · custody · servicing
    Product including the guarantor: Xaver with the partner insurer. Advice: your house. Custody and servicing: Xaver.
    Status
    Through partner insurers, from 2027.

  • Nettotarif (net tariff)

    From January 2027
    Completable in the same journey
    Yes
    Investment
    Investment concept as configured; remuneration through a fee agreement rather than commission.
    Advice & suitability
    Full advice with a suitability statement; the partner agrees the fee with the customer.
    Configurable by the partner
    Investment concept and documents; remuneration sits in the fee agreement.
    Subsidy
    Allowances and the special-expenses deduction under the AVRG.
    Responsibility: product · advice · custody · servicing
    Product, custody and servicing: Xaver. Advice and the fee agreement: your house.
    Status
    Available through our partners from January 2027.
AVD Bridging Product
Available since September 2026

Entry before the cut-off date: the AVD Bridging Product comes in two versions. The money-market version invests in a low-volatility EUR money-market fund, the invested version implements the allocation of the later AVD line ahead of launch. The Bridging Product is not itself an AVD product, carries no subsidy while it is held, and the transfer from January 2027 is not automatic. Money-market funds are not deposits; the invested version carries full market risk from day one.

AVD Garantie: the guarantee is a contractual product feature of the partner insurer, which undertakes to make at least the agreed amount available at the agreed date. It is not a statement about performance.

Next development: the private-markets booster as a building block for AVD Premium, already being built.

End frame: a ring “portfolio + booster” in blues and greys with a teal segment “private markets”; on the left the line that private markets as an admixture in the retirement account open asset classes that used to be reserved for institutional investors, and three points: extra diversification beyond listed markets, a building block in selected strategies, steered in each customer's lifecycle model; footnote: illustration, share, implementation and availability vary by strategy.
Illustration · building block in development
  1. 01Private markets as an admixture
Conditions & architecture

Open architecture and conditions that survive a procurement.

No lock-in to individual asset managers: the portfolios run on an investment backend built in 2025/26 · state-of-the-art technology, zero legacy, AI native. That is why complete AVD portfolios, active ETFs included, are possible at these conditions.

See the asset management infrastructure →
from 0.05% TER
AVD standard portfolios
from 0.09% TER
Complete AVD portfolios including active ETFs
Open architecture
No lock-in to individual asset managers

Source: Xaver product conditions, 2026

AVD as a Service, on your own cases.

We walk the journey together, with your book, your distribution and your brand in view.

Book a meeting Open the demo portal
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Frequently asked

What partners ask first.

Updated on 26 August 2026