Altersvorsorgedepot: Trotz staatlicher Zulagen: Viele wollen kein Depot eröffnen
Der Staat will die Altersvorsorge grundsätzlich neu aufstellen und lockt mit Zulagen für ein Depot. Doch viele wissen noch gar nichts davon. Auch fehlende Erfahrung mit Wertpapieren bremst.
Despite government subsidies, many Germans are hesitant to open an age pension account. A YouGov survey conducted for Commerzbank and its online brand Comdirect found that nearly a third of the 1,517 respondents had either never heard of the offering or knew little about it. Of the 935 participants who had heard of the age pension deposit by the time of the survey, conducted between July 30 and August 3, 2026, more than half (56 percent) felt they were either not informed at all or poorly informed.
The scheme allows savers to privately save for retirement by investing in ETFs, equity funds, and bonds. The state subsidizes contributions by up to €540 per year per person, with an additional €300 per child. Capital gains are not taxed during the accumulation phase. The idea is that individuals can more confidently save for retirement by investing in the stock market.
However, 38 percent of respondents admitted to being inexperienced in investment. Commerzbank's private banking chief, Thomas Schaufler, sees the age pension deposit as a "gamechanger for private retirement savings in Germany." While 16 percent of respondents said it was very likely or at least somewhat likely that they would open an age pension deposit in 2027, the majority remain undecided or consider it unlikely.
Commerzbank's manager, Schaufler, believes that understanding the age pension deposit is key to utilizing it.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
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