New Altersvorsorgedopot: Start planned from 2026

The German interest system is intended for a separate Neuerung. The Ampelparteien plans, from 1 January 2026 with the alternative alternatives, go to the private alternatives that distinguish themselves.

The countdown for the German interest rate system is running. Sociologists and economists will spend more years with the demographic hikes on the interest rate system. If the problem occurs, the problem of one of the regulations that we have solved in the court, the problem will disappear. Now, however, movement in the debate seems to come over you.

In the coalition agreement of the Ampelregierung you will find a courtesy ghost: the knowledge is that the government interest will no longer come out. SPD, Grüne and FDP want the private alternatives with their alternative alternatives. Planted starts on January 1, 2026.

I am working on the internet with Thomas Soltau, chef of Neobrokers Smartbroker and Mitglied in the Digital Finance Forum (DFF) at the Bundesfinanzministerium, on the functioning of the alternative options.

With the alternative deposit, a deposit is common, the German citizen of 18 years at a deposit provider with a Wahl-eröffnen can, explains Thomas Soltau. “These special deposits are deposits by others that are not separated, they are explicitly used, that is my alternative.”

If there are a number of deposits offered, banks, Sparkassen, Neobanken and brokers are in default. Residents or resident alternative storage pots are not one of the best alternatives we can use – we can use a furnished alternative storage place for another product.

A description of a single alternative is no longer possible, says Soltau. If all goes well, it may happen that more books are stored, so that the gesetzlichen Vorschriften are printed.

The Depot is therefore so extensive that it is one of the most important logistical facilities that the Riester-Rente does not have at its disposal: The detailed information provided in the Depot can be easily arranged as soon as possible. “Der Freibetrag, the jetzt diskutiert was, liegt bei 2,100 Euro, also that, was bei Riester auch steuerlich absetzbar ist. That was relatively little,” says Soltau.

The financing expert is certain: The undertaking, which will last four out of two weeks in the future, will yield a higher stake, whereby 4,000 and 6,000 euros can be paid. It is no longer possible to create an ​​​​upper limit for the requirements – it can fly more money into the depot. It can no longer take longer for more information to be generated. Ob es wie in Ländern een Obergrenze für Einzahlungen geben werden, sei nog unclear.

As one of the alternative investment funds consists of the Kauf und Verkauf van Wert paper die Aktien, Aktienfonds or the Börsengehandelten Indexfonds (ETF) that make profits, that lose the interest rate sliders or the most popular corporate bonds. Soul is, that you are willing to make a basic contribution and invest money on the capital market.

If you want to make a financial contribution, you can rejoice in the purchase of the paperwork in the depot, a solution has been found. “It is not that the capital of 25 percent is removed. The last part of the process has become a schmaler that can no longer be continued. The money can invest a huge amount of money in other types of paper!”

First of all, in the Ruhestand müssen vom Depot ausgezahlten Beträge were stouert. If you are never an abschließend klart, who inherits the Auszahlungen, a regular and flexible Auszahlungen will be possible or a malignant Auszahlung-ermöglicht way, says Soltau.

While the Frage was with the passion of the Capitalertragssteuer, when the Alternative Investments on Renteneïntritt weiterhin geführt and Geld eingezahlt wird and damit Gewinn erwirtschaftet, sei noch zu kären.

The postponement can be a problem if there is a warning. When the rent is a grossly taxable, and every additional income, it is one of the interest rates or the capital transactions, which the Rente angers and much will be versteuert.

Grundsätzlich is one of the most common things that are included in a note on the money of the alternative savings account, says Soltau. You can store the alternating current in the first line on the alternating current. “There is a man who has made a real estate or a wealth investment a while ago, who will help a man of all kinds after the fallen debt burden that has occurred.”