{
  "id": 10353993,
  "title": "Staatliche Förderung ab 2027: Preiskampf ums Altersvorsorgedepot nimmt Fahrt auf",
  "url": "https://urgent.news/2026/09/28/staatliche-forderung-ab-2027-preiskampf-ums-altersvorsorgedepot-nimmt",
  "topic": "business",
  "section": "Business",
  "published": "2026-09-28T03:00:27.000Z",
  "source": {
    "name": "Handelsblatt",
    "slug": "handelsblatt",
    "url": "https://www.handelsblatt.com/politik/deutschland/staatliche-foerderung-ab-2027-preiskampf-ums-altersvorsorgedepot-nimmt-fahrt-auf/100257803.html"
  },
  "original_language": "de",
  "account": "Starting in 2027, the German government is promoting a new state-supported retirement fund, which will allow citizens to save for their own retirement through investments in ETFs, stock funds, and bonds. The funds will be accessible to both low-risk and higher-risk investors, offering the potential for greater returns due to the increased risk. The law permits providers to raise prices later with four months' notice, leading to concerns that price competition may negatively impact customer satisfaction. The state subsidizes contributions to the retirement fund, offering up to 540 euros per year per person and an additional 300 euros per child. The contributions are tax-free during the accumulation phase, and the capital gains are also not taxed. Deutsche Bank, the market leader, will offer more expensive solutions with advice on top of the basic ETF deposit. The standard deposit will be available digitally and has annual costs of 0.1% for the first two years, increasing to 0.28% afterward. The bank also plans to launch an expanded retirement deposit with advice, with a fee of 0.99% per year. Additional insurance products, including one with and one without a guarantee, will be developed in collaboration with Zurich Insurance. Deutsche Bank's head of private client business, Dominik Hennen, notes that while many people may not suddenly switch to managing their own retirement plans, there will be those who want and need professional advice. The German Association of Stockbrokers predicts that long-term investing in stocks has historically delivered nearly 9% annual returns per Euro invested, despite market crises.",
  "summary": "Um die Börse machen viele Deutsche einen großen Bogen. Doch der Staat will die Altersvorsorge neu aufstellen und lockt mit Zulagen für ein Depot. Auch die Deutsche Bank bereitet sich vor.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}