Riester advice, switching and completion for distributors and broker pools
The switching wave: 15 million Riester contracts are 15 million reasons for a conversation.
The trigger is here and the capacity is not: every Riester contract in the affiliated book needs assessing individually, and every recommendation needs a basis that still holds up in five years.
The adviser cockpit brings book evaluation, comparison, completion and status together across the whole network. The sales tools activate the book before the appointment; inside it, the same journey carries through to completion, documented recommendation included.
Look at the cockpit and the sales tools in the demo portal, with test data, from an adviser's point of view.
BCA Xaver Altersvorsorgedepot powered by ODDO BHF Asset Management: a standard and a premium variant, hybrid advice and completion journeys for self-service and personal advice, connection to the BCA systems, an integrated Riester comparison and switching service. Available to embed from October 2026, contracts planned from January 2027, then the Frühstart-Rente as well. Press release of 1 October 2026.
An AVD partnership on the standard offering: Riester comparison and switching service, bridge products available and completion journeys for the Altersvorsorgedepot from January 2027, for the distributor's advisers in the adviser cockpit, without a product factory of their own.
The cockpit comes with the adviser portal showing leads, appointment requests and completed cases at a glance, one-click customer invitations, the academy with learning paths and a final test, and the toolbench for advisers, included rather than bought in.
Named are the partners whose own announcement is out. Where it is still to come, the case stands here without a name, with no figures that would point back to a partner. A selection, not the full list.
What does your book mean from January 2027?
Source of the two rates: Allianz Lebensversicherungs-AG, press release of 21 July 2026, representative survey April 2026, n > 1,500 (75%: Riester customers who want advice from their provider or intermediary; 58%: respondents who want a personal conversation on site or by video if a switch is on the table). Minutes per conversation, the share of digitally prepared conversations and 1,000 productive advice hours per adviser-year are assumptions, not measurements. No statement about any individual partner's results.
Assess every Riester contract, complete every switch on the record.
After the switch, the Frühstart-Rente, the Kinderdepot and reinvestment supply the follow-up conversations. All products at a glance →
What you can check before you talk to us.
- Up to 3× higher completion rate, up to 65% more sales efficiency.
- Designed for tens of thousands of advice sessions and transfers a month, fully digital.
- A start in two stages: pre-registration from October 2026 (advice, suitability assessment, product choice), confirmation with one click from 1 January 2027, advisers and self-service on the same data.
- Xaver Asset Management GmbH, a regulated investment firm (WpIG), since 2025.
- Adviser-portal dashboard: leads, appointment requests and completed cases at a glance, status through to “customer won”.
- Invite customers with one click: PDF flyer, social-media kit, personal link, every lead assigned automatically.
- Academy with learning paths, a final test and an optional Altersvorsorgedepot certificate: advisers can work from day one.
- Toolbench for advisers: subsidy and advantage calculator, pension-layer comparison, letter generator, AI-adviser configuration.
- Insurtech of the Year 2025.
What distributors and broker pools ask at this point.
What does a Riester switch cost the customer?+
When transferring a Riester contract, the transfer costs are capped by law at €150: on the ceding side for contracts running less than five years, and on the receiving side as a one-off flat charge. What a switch means in an individual case, guarantees, acquisition costs already paid, allowance history, is shown contract by contract in the comparison.
How long does a transfer take?+
The transfer runs fully digitally, with no manual intermediate steps. The actual duration depends on the ceding provider and the notice periods of the contract in question; we deliberately give no blanket commitment on that.
What happens to the guarantees in the old contract?+
They end with the switch, the Altersvorsorgedepot is a securities-account product without a guarantee promise. That is exactly why the comparison is open-ended: where the existing guarantee is decisive, the documented recommendation is to hold.
Walk through your use case with us.
- We show you the modules that matter for your case
- With Max Bachem, founder & CEO
- No obligation, no preparation needed