Investing with Tax Benefits: €150 a Month In, Up to €1,140 a Year From the State

From 1 January 2027, Germany replaces Riester with the Altersvorsorgedepot (Retirement Depot). You invest in ETFs, the state adds a bonus on top of every euro you pay in, and your money grows tax-free until payout.

The rules are simple once you see them. Miss one, though, and the bonus quietly slips away. In one hour, Marvin walks you through how it works and how to set it up so you collect every euro you are entitled to.

What You Can Get

• Singles: up to €540 per year
• Couples: up to €540 per year each
• Families with two children: up to €1,140 per year

That adds up to €5,400 to €11,400 over 10 years, on top of your own €150 a month. For a family, the state adds up to 63% of what you pay in.

In This Webinar You Will Learn

1. How the bonus works and how to claim the full amount
2. The most common mistakes that cost you the bonus
3. How to use the depot to speed up paying off your mortgage, and the tax catch you need to know
4. The rules you must know, and what happens if you move abroad

This Webinar Is for You If

• You plan to invest long-term in Germany
• You have children
• You own a home or plan to buy one
• You already have a Riester contract and want a better option
• You already invest and want to get more out of it

Not for You If

You plan to leave Germany within the next three years.