Ranking: Die besten fondsgebundenen Rentenversicherungen
Kapitalmarktbasierte Versicherungen bieten gute Renditen bei der Altersvorsorge. Eine Analyse der Ratingagentur Assekurata zeigt die besten Produkte.
Cologne – Savers are currently enjoying interest rates of up to two percent on fixed-term deposits. Those who regularly scout the market for the best offers may occasionally secure three percent or even more. The era of zero interest rates between 2015 and 2021 is now a thing of the past. However, even three percent interest barely covers inflation and the tax on earnings.
Savers who have relied on stock markets have had much more opportunity. The Deutsche Aktienindex (Dax) and the MSCI World Index have delivered an average annual return of around 20 percent over the past three years. In August 2026, the Dax even briefly touched a double-digit return, while the MSCI had long surpassed it. "To effectively design one's retirement provision, one cannot bypass the capital markets," says Lars Heermann, Head of Analysis and Valuation at the Cologne ratings agency Assekurata.
One does not necessarily have to invest on one's own. "If one cannot do so alone, one can turn to funds-based retirement insurance policies," says Heermann.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
