Insights

Insights, data and research.

Analysis of the pension reform, of Riester books and of AI in regulated advice - sourced, and without figures we cannot evidence.

A grandfather and a grandmother look at photographs with their granddaughter, laughing.
Three generations, one pension question
4
articles
15 million
Riester contracts
€140bn
in assets
2027
AVRG in force
New · AVD product database

The Altersvorsorgedepot market, in data.

69 providers, 124 products, 29 attributes per product, each with source and date. Figures and key insights in the open, the database on access.

Open the product database · login →
69
providers
124
products
13
with conditions
Market

A price war without quality transparency: what the AVD market publishes, and what it does not

97 announced Altersvorsorgedepots, 24 with a price, none with a key information document. The market is becoming fee-transparent before it becomes quality-transparent, and advice becomes the bottleneck.

What the market had published by 7 October 2026, what almost no announcement says, and why the advice hour will be scarcer than the product in 2027.

Read the article →Updated 17 October 2026 · 9 min
97
products announced
24
with conditions
0
certified
Three generations of a German family - grandfather, mother and grandchild - symbolising the generational shift in retirement planning.
Reform
2027
AVRG in force
Articles

Read before you decide.

Two people talking at a bright kitchen table, papers and a laptop in front of them.
Regulation

The AVRG is law: what the Altersvorsorgedepot means for providers

The legal framework is in place, parts of the implementation are not. What providers should settle in the meantime, and what is better left configurable.

Updated 26 August 2026 · 6 minRead →
A couple at a table with a calculator and paperwork, working through the numbers together.
Existing books

Riester books: switch or hold? The honest analysis

An existing Riester contract has four routes open to it, not two. Which one fits is decided case by case, and more often than expected the answer is: change nothing.

Updated 26 August 2026 · 7 minRead →
A woman in profile at a glass facade, looking calmly outside.
Technology

Agentic commerce in retirement provision: when AI assistants advise

AI assistants will find, compare and initiate financial products. In subsidised pensions, what counts then is what is documented, and who says who they are.

Updated 26 August 2026 · 6 minRead →
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