Insights · AVD product database

The Altersvorsorgedepot market, in data.

We record every public Altersvorsorgedepot announcement in a structured product database, provider by provider, attribute by attribute, with source and date. It helps us and our partners build products that hold up in the market. As of 13 October 2026.

69
providers
124
products
13
with complete conditions on record

Our own survey of public provider statements (provider sites, press releases, key information documents, trade press), as of 13 October 2026. Not investment advice, not a ranking.

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Key insights

What the data says about the market.

01

Announced, not on the market

67 of the 69 providers on record have announced their Altersvorsorgedepot; 2 offers are tradable, and those are fund building blocks, not certified pension contracts. We know of no BZSt-certified product as of the cut-off date.

02

Three product forms

On record: 40 × account- / fund-based, 39 × Standarddepot, 16 × insurance wrapper. The statutory Standarddepot is the most common entry; the insurance wrapper remains the life insurers' domain.

03

Guarantees stay the exception

14 products mention a guarantee option. The market is mostly choosing the account form without a contribution guarantee, leaving annuity or payout plan as the open question.

Depth

What is recorded per product.

29 attributes per product, each with source and date. From them we read where a product stands in the market, and build lines with partners that hold up there: on price, on lifecycle control, in the payout phase.

  • Product form and Standarddepot compliance
  • Costs: fee components, cost disclosure, transparency
  • Fund universe and management style
  • Guarantee options, mechanics and providers
  • Lifecycle control and risk profile
  • Payout phase: annuity, payout plan, lump sum
  • Certification and subsidy automation
  • Digital onboarding, distribution channels, portability
  • Infrastructure and custody providers
  • Documents, source and date per data point
Access to the database

The full database, for partners and on request.

Provider and product records with every attribute, source and date: filterable, sortable, up to four products side by side, with cost and market views. Partners receive the access code as part of our work together; interested parties can request it.

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