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RETIREMENT PLANNING · LOOKING TO 2027
Your money. Your future.Your next step.
Learn how investing works today. Get updates when we share new ways to plan for retirement.
01 / LEARNFinancial literacy
02 / EXPLOREPortfolio tools
03 / PREPARERetirement 2027
A CLEAR PATH
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Build portfolios with real market data and test different scenarios.
Prepare
Understand long-term goals and future retirement possibilities.
2027 · A NEW POSSIBILITY
For your future.Understand it today.
What if your retirement savings could work beyond a traditional savings account? From 2027, Germany introduces new options for private retirement investing, with potential government incentives.
HERE'S HOWALTERSVORSORGE2027PRIVATE VORSORGE
YOUR MONEY
STATE SUPPORT
FUNDS & ETFs
THREE STEPS, ONE PURPOSE
Understand first.Choose later.
01 / 03
You contribute
Pay regularly into an eligible private retirement contract.
02 / 03
Government support may apply
If you qualify, the government may add an allowance based on your contributions.
03 / 03
Money is invested
Eligible funds and ETFs may be used, depending on the product. Their market value can rise or fall.
YOUR EXAMPLE
2027 EXAMPLEStart small.See what may add up.
Move the slider to see how a potential basic allowance changes with your contributions.
/ month
€10€150
Illustration, not an individual eligibility calculation
Combined amount in the first year
€840
Your annual contribution€600
Potential basic allowance€240
Requires direct eligibility and compliance with the legal conditions. Excludes child allowances and potential tax benefits. This is not an investment return. Market losses, costs and taxes are not included.
WHAT ABOUT THE RISK?
Understand the risks
A retirement investment account is not a savings account. Products without guarantees can fluctuate and lose value. Money is earmarked for retirement rather than unrestricted withdrawals, and future payouts are generally taxable.
GOOD TO KNOW
What you should know.
No financial expertise required to get started.
Is this a normal brokerage account?
No. It is a special, government-eligible private retirement contract with restrictions on eligible assets and withdrawals.
Can I buy any ETF or individual stock?
Not necessarily. Only eligible investments may be used. The available fund selection depends on the provider.
Who qualifies for support?
Qualifying employees and certain self-employed groups may be eligible, depending on the rules. Not everyone qualifies automatically. A minimum annual personal contribution of €120 generally applies for the basic allowance.
What if I already have a Riester contract?
Existing contracts may generally continue. Switching may be possible but is not automatically the best choice.
Is this an employer pension?
No. The new account is part of subsidised private retirement savings, not a new occupational pension scheme.
Can I open this account with vollat today?
No. vollat currently offers financial education and portfolio analytics, not a subsidised retirement account.
Updated October 2026 · General education, not personal investment advice.
Source & details REGISTER INTEREST
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Updates about our planned 2027 retirement offering. Free and non-binding.
