Every contract is assessed on its own.
Cost, guarantees, allowance history and remaining term are captured and assessed, instead of one blanket recommendation for the whole book.
Platform · module 02 · Riester-to-AVD advice & switching service
Every contract gets an answer of its own.
Without a check per contract, all a Riester book allows is a blanket recommendation, neither right for the customer nor defensible towards the supervisor. The service assesses every contract individually, compares it with the Altersvorsorgedepot and documents the outcome, including where it is to hold.
Why this module exists
The blanket recommendation becomes a check per contract.
01The partner's problem
A campaign across a Riester book fails on the case-by-case assessment. As long as nobody can weigh cost, guarantee and remaining term per contract, all that is left is a blanket recommendation, which is neither right for the customer nor defensible towards the supervisor.
02The Xaver mechanism
The book evaluation reads out cost, guarantees, allowance history and remaining term, sets the contract against the Altersvorsorgedepot in a structured way and documents both outcomes, switching and holding alike. Where the decision is to switch, the transfer continues digitally, with a visible status.
03The proof
The Riester comparison in the demo portal runs through to the rated recommendation across all four options. The process is designed for tens of thousands of advice sessions and transfers a month, a statement about the capacity of the process, not about today's volumes.
Try the Riester comparisonBenefits
What your book gets out of it.
“Hold” is a documented outcome too.
Switch or hold: both outcomes are reasoned and documented, and traceable in the advice record.
The switch runs digitally, with a visible status.
Where the decision is to switch, the transfer runs with no manual intermediate steps on our side, visible to customer and adviser in the portal.
Designed for a whole book, not for one-offs.
The process is designed for tens of thousands of advice sessions and transfers a month, a statement about the capacity of the process, not about today's volumes.
What it looks like
From the existing contract to a reasoned recommendation.
- 01Capture the contract details
- 02Cost and appetite for a guarantee
- 03Payout and inheritance
- 04What the contract has earned so far
- 05Four options and the recommendation
An example, not advice
And when staying put is the right answer, that is exactly what the recommendation says.
Carry on as before
Old subsidy, the contract runs on unchanged.
IndicatorSubsidy: current rulesKeep the contract, new subsidy
The balance stays, the subsidy follows the new rules.
IndicatorSubsidy: new rulesPaid-up + AVD alongside
Guarantees stay, new contributions go into the account.
IndicatorGuarantee staysFull transfer into the AVD (the recommendation in this example)
The balance moves into the new account without losing the subsidy.
IndicatorSubsidy stays
What the recommendation is reasoned from:
- Need for a guarantee
- Inheritance
- Annuity or payout plan
- Cost
- Horizon
At a glance
Every Riester contract is assessed individually, compared with the Altersvorsorgedepot in a structured way and documented, including where the recommendation is to hold.
What the module does
- An individual assessment of every contract, no blanket recommendation
- Costs, guarantees, allowance history and remaining term are captured and assessed
- A documented recommendation: switch or hold
- Digital transfer with a visible status in the portal
Capacity in 2027
What does your book mean from January 2027?
Your inputs
200,000
45 min
Your assumption
40%
Your assumption
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.
Questions
What partners ask at this point
What does a switch cost?+
When switching provider on 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. The analysis reads these items out of the documents and shows them openly in the comparison. What always governs is the wording of your specific contract.
How long does a transfer take?+
On our side the transfer runs with no manual intermediate steps. The overall duration depends on the ceding provider, which has to terminate the contract, settle it and transfer the capital, the part we cannot speed up. Rather than quoting a blanket deadline, we show the status of every case in the portal.
What happens to the contribution guarantee?+
A Riester contract usually contains a contribution guarantee; it is paid for through the investment and limits its return potential. The Altersvorsorgedepot is constructed differently. Whether giving up a guarantee makes sense in a specific case depends above all on remaining term and risk capacity, and that is exactly the question the analysis answers, rather than stepping around it.
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- We show you the modules that matter for your case
- With Max Bachem, founder & CEO
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