Altersvorsorgedepot: Trotz staatlicher Zulagen – Viele wollen laut Umfrage 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 may not open an age pension deposit account, according to a recent survey. In a YouGov survey conducted for Commerzbank and its online brand Comdirect, nearly one-third of the 1,517 respondents said they had never heard of the age pension deposit or knew little about it. Of the 935 participants who had heard about the age pension deposit at the time of the survey, conducted between July 30 and August 3, 2026, more than half (56%) felt they were poorly informed.
The age pension deposit aims to allow savers to privately plan for their retirement by investing in ETFs, stock funds, and bonds. The state offers a subsidy of up to €540 per year, plus an additional €300 per child. Investment returns are not taxed during the accumulation phase. The idea is that people can invest more confidently in the stock market for their retirement. However, 38% of respondents in the YouGov survey admitted to being inexperienced in investing.
Commerzbank chief private client officer Thomas Schaufler sees this as a historic opportunity, as millions of people will for the first time be exposed to the stock market. He called the age pension deposit a "gamechanger for private retirement planning in Germany." However, the majority of respondents are still undecided or consider opening a state-funded age pension deposit unlikely. Schaufler believes that understanding the age pension deposit is key to utilizing it, urging for better education on the subject.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
