{"id":31572,"date":"2025-11-10T13:24:07","date_gmt":"2025-11-10T12:24:07","guid":{"rendered":"https:\/\/www.finanzen.net\/ratgeber\/?page_id=31572"},"modified":"2026-04-14T15:44:24","modified_gmt":"2026-04-14T13:44:24","slug":"vorsorge","status":"publish","type":"page","link":"https:\/\/www.finanzen.net\/ratgeber\/vorsorge\/","title":{"rendered":"Vorsorge"},"content":{"rendered":"\n\n\n    <div class=\"container\">\n                    <h2 class=\"headline headline--h1\">Altersvorsorgedepot<\/h2>\n        \n        <div class=\"article-teasers\">\n            <div class=\"article-teasers__container-primary\">\n                <div class=\"article-teasers__container-primary-inner\">\n                                                                        <a class=\"article-teaser article-teaser--large article-teaser--1\" href=\"https:\/\/www.finanzen.net\/ratgeber\/vorsorge\/altersvorsorgedepot\/\">\n                                <div class=\"article-teaser__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"1290\" height=\"768\" src=\"https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/altersvorsorgedepot-was-es-ist-wann-es-kommt-und-was-es-bringt-e1773043590302.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/altersvorsorgedepot-was-es-ist-wann-es-kommt-und-was-es-bringt-e1773043590302.png 1290w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/altersvorsorgedepot-was-es-ist-wann-es-kommt-und-was-es-bringt-e1773043590302-300x179.png 300w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/altersvorsorgedepot-was-es-ist-wann-es-kommt-und-was-es-bringt-e1773043590302-1024x610.png 1024w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/altersvorsorgedepot-was-es-ist-wann-es-kommt-und-was-es-bringt-e1773043590302-768x457.png 768w\" sizes=\"auto, (max-width: 1290px) 100vw, 1290px\" \/>                                <\/div>\n                                <div class=\"article-teaser__content-container\">\n                                    <div class=\"article-teaser__preline\">\n                                                                            <\/div>\n                                    <h3 class=\"headline headline--h3 article-teaser__headline\">\n                                        Altersvorsorgedepot                                    <\/h3>\n                                    <div class=\"article-teaser__excerpt\">\n                                        <span class=\"article-teaser__excerpt-arrow\">\n                                            Das Altersvorsorgedepot wird die private Altersvorsorge durch staatliche gef\u00f6rderte Investitionen in Aktien und ETFs revolutionieren und &#8230;                                        <\/span>\n                                    <\/div>\n                                    <span class=\"article-teaser__more-link link link--arrow-right\">\n                                        Mehr erfahren\n                                    <\/span>\n                                <\/div>\n                            <\/a>\n                                                                                                <a class=\"article-teaser article-teaser--large article-teaser--2\" href=\"https:\/\/www.finanzen.net\/ratgeber\/vorsorge\/altersvorsorgedepot-rechner\/\">\n                                <div class=\"article-teaser__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"1220\" height=\"815\" src=\"https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/altersvorsorgedepot-rechner-1-e1774592321459.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/altersvorsorgedepot-rechner-1-e1774592321459.png 1220w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/altersvorsorgedepot-rechner-1-e1774592321459-300x200.png 300w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/altersvorsorgedepot-rechner-1-e1774592321459-1024x684.png 1024w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/altersvorsorgedepot-rechner-1-e1774592321459-768x513.png 768w\" sizes=\"auto, (max-width: 1220px) 100vw, 1220px\" \/>                                <\/div>\n                                <div class=\"article-teaser__content-container\">\n                                    <div class=\"article-teaser__preline\">\n                                                                            <\/div>\n                                    <h3 class=\"headline headline--h3 article-teaser__headline\">\n                                        Altersvorsorgedepot Rechner                                    <\/h3>\n                                    <div class=\"article-teaser__excerpt\">\n                                        <span class=\"article-teaser__excerpt-arrow\">\n                                            Ab 2027 f\u00f6rdert der Staat dein privates ETF-Sparen f\u00fcrs Alter. Wie viel F\u00f6rderung in deiner konkreten &#8230;                                        <\/span>\n                                    <\/div>\n                                    <span class=\"article-teaser__more-link link link--arrow-right\">\n                                        Mehr erfahren\n                                    <\/span>\n                                <\/div>\n                            <\/a>\n                                                            <\/div>\n            <\/div>\n\n            <div class=\"article-teasers__container-secondary\">\n                                                            <a class=\"article-teaser article-teaser--small article-teaser--3\" href=\"https:\/\/www.finanzen.net\/ratgeber\/news\/riester-schaden-so-viel-geld-haben-sparer-seit-2002-wirklich-verloren-30-04-2026-01\/\">\n                            <h3 class=\"headline headline--h3 article-teaser__headline\">\n                                Riester-Rente wird abgeschafft: So viel Geld haben Sparer seit 2002 verloren                            <\/h3>\n                            <div class=\"article-teaser__excerpt\">\n                                <span class=\"article-teaser__excerpt-arrow\">\n                                                                    <\/span>\n                            <\/div>\n                            <span class=\"article-teaser__more-link link link--arrow-right\">\n                                Mehr erfahren\n                            <\/span>\n                        <\/a>\n                                                                                <a class=\"article-teaser article-teaser--small article-teaser--4\" href=\"https:\/\/www.finanzen.net\/ratgeber\/news\/riester-rente-nachfolger-warum-das-altersvorsorgedepot-besser-wird-als-erwartet-30-04-2026-01\/\">\n                            <h3 class=\"headline headline--h3 article-teaser__headline\">\n                                Riester-Rente Nachfolger: Warum das Altersvorsorgedepot besser wird als erwartet                            <\/h3>\n                            <div class=\"article-teaser__excerpt\">\n                                <span class=\"article-teaser__excerpt-arrow\">\n                                                                    <\/span>\n                            <\/div>\n                            <span class=\"article-teaser__more-link link link--arrow-right\">\n                                Mehr erfahren\n                            <\/span>\n                        <\/a>\n                                                                                <a class=\"article-teaser article-teaser--small article-teaser--5\" href=\"https:\/\/www.finanzen.net\/ratgeber\/news\/altersvorsorgedepot-so-viel-vermoegen-bringt-ein-100-euro-sparplan-30-04-2026-01\/\">\n                            <h3 class=\"headline headline--h3 article-teaser__headline\">\n                                Altersvorsorgedepot: 100 Euro im Monat, 112.000 Euro nach 30 Jahren                            <\/h3>\n                            <div class=\"article-teaser__excerpt\">\n                                <span class=\"article-teaser__excerpt-arrow\">\n                                                                    <\/span>\n                            <\/div>\n                            <span class=\"article-teaser__more-link link link--arrow-right\">\n                                Mehr erfahren\n                            <\/span>\n                        <\/a>\n                                                <\/div>\n        <\/div>\n    <\/div>\n\n\n\n\n\n\n    <div class=\"container\">\n        \n        <div class=\"article-teasers\">\n            <div class=\"article-teasers__container-primary\">\n                <div class=\"article-teasers__container-primary-inner\">\n                                                                        <a class=\"article-teaser article-teaser--large article-teaser--1\" href=\"https:\/\/www.finanzen.net\/ratgeber\/altersvorsorgedepot\/riester-rente-umwandeln\/\">\n                                <div class=\"article-teaser__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"1326\" height=\"765\" src=\"https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/riester-rente-uebertragen-e1774962201686.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/riester-rente-uebertragen-e1774962201686.png 1326w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/riester-rente-uebertragen-e1774962201686-300x173.png 300w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/riester-rente-uebertragen-e1774962201686-1024x591.png 1024w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/riester-rente-uebertragen-e1774962201686-768x443.png 768w\" sizes=\"auto, (max-width: 1326px) 100vw, 1326px\" \/>                                <\/div>\n                                <div class=\"article-teaser__content-container\">\n                                    <div class=\"article-teaser__preline\">\n                                                                            <\/div>\n                                    <h3 class=\"headline headline--h3 article-teaser__headline\">\n                                        Riester Rente umwandeln                                    <\/h3>\n                                    <div class=\"article-teaser__excerpt\">\n                                        <span class=\"article-teaser__excerpt-arrow\">\n                                            15.000 Euro weniger Geb\u00fchren, dreimal so viel F\u00f6rderung, volle Aktienquote \u2013 wer seinen Riester-Vertrag ins neue &#8230;                                        <\/span>\n                                    <\/div>\n                                    <span class=\"article-teaser__more-link link link--arrow-right\">\n                                        Mehr erfahren\n                                    <\/span>\n                                <\/div>\n                            <\/a>\n                                                                                                <a class=\"article-teaser article-teaser--large article-teaser--2\" href=\"https:\/\/www.finanzen.net\/ratgeber\/news\/altersvorsorgedepot-6-vorteile-und-5-nachteile-fuer-anleger-30-04-2026-01\/\">\n                                <div class=\"article-teaser__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"1216\" height=\"815\" src=\"https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/vorteile-nachteile-altersvorsorgedepot-1-e1774441113596.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/vorteile-nachteile-altersvorsorgedepot-1-e1774441113596.png 1216w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/vorteile-nachteile-altersvorsorgedepot-1-e1774441113596-300x201.png 300w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/vorteile-nachteile-altersvorsorgedepot-1-e1774441113596-1024x686.png 1024w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/03\/vorteile-nachteile-altersvorsorgedepot-1-e1774441113596-768x515.png 768w\" sizes=\"auto, (max-width: 1216px) 100vw, 1216px\" \/>                                <\/div>\n                                <div class=\"article-teaser__content-container\">\n                                    <div class=\"article-teaser__preline\">\n                                                                            <\/div>\n                                    <h3 class=\"headline headline--h3 article-teaser__headline\">\n                                        Altersvorsorgedepot: Vorteile und Nachteile der Riester-Nachfolge, die Anleger kennen sollten                                    <\/h3>\n                                    <div class=\"article-teaser__excerpt\">\n                                        <span class=\"article-teaser__excerpt-arrow\">\n                                                                                    <\/span>\n                                    <\/div>\n                                    <span class=\"article-teaser__more-link link link--arrow-right\">\n                                        Mehr erfahren\n                                    <\/span>\n                                <\/div>\n                            <\/a>\n                                                            <\/div>\n            <\/div>\n\n            <div class=\"article-teasers__container-secondary\">\n                                                            <a class=\"article-teaser article-teaser--small article-teaser--3\" href=\"https:\/\/www.finanzen.net\/ratgeber\/news\/altersvorsorgedepot-nur-wieder-abzocke-oder-echte-alternative-zur-riester-rente-30-04-2026-01\/\">\n                            <h3 class=\"headline headline--h3 article-teaser__headline\">\n                                Altersvorsorgedepot: Nur wieder Abzocke, oder echte Alternative zur Riester-Rente?                            <\/h3>\n                            <div class=\"article-teaser__excerpt\">\n                                <span class=\"article-teaser__excerpt-arrow\">\n                                                                    <\/span>\n                            <\/div>\n                            <span class=\"article-teaser__more-link link link--arrow-right\">\n                                Mehr erfahren\n                            <\/span>\n                        <\/a>\n                                                                                <a class=\"article-teaser article-teaser--small article-teaser--4\" href=\"https:\/\/www.finanzen.net\/ratgeber\/news\/riester-vertrag-kuendigen-warum-du-damit-tausende-euro-verlierst-30-04-2026-01\/\">\n                            <h3 class=\"headline headline--h3 article-teaser__headline\">\n                                Riester-Vertrag k\u00fcndigen? Warum das bis zu 7.300 Euro kostet                            <\/h3>\n                            <div class=\"article-teaser__excerpt\">\n                                <span class=\"article-teaser__excerpt-arrow\">\n                                                                    <\/span>\n                            <\/div>\n                            <span class=\"article-teaser__more-link link link--arrow-right\">\n                                Mehr erfahren\n                            <\/span>\n                        <\/a>\n                                                                                <a class=\"article-teaser article-teaser--small article-teaser--5\" href=\"https:\/\/www.finanzen.net\/ratgeber\/news\/etf-der-rentenbescheid-schock-so-schliesst-du-die-rentenluecke-ohne-verzicht-30-04-2026-01\/\">\n                            <h3 class=\"headline headline--h3 article-teaser__headline\">\n                                ETF: Der Rentenbescheid-Schock &#8211; so schlie\u00dft du die Rentenl\u00fccke ohne Verzicht                            <\/h3>\n                            <div class=\"article-teaser__excerpt\">\n                                <span class=\"article-teaser__excerpt-arrow\">\n                                                                    <\/span>\n                            <\/div>\n                            <span class=\"article-teaser__more-link link link--arrow-right\">\n                                Mehr erfahren\n                            <\/span>\n                        <\/a>\n                                                <\/div>\n        <\/div>\n    <\/div>\n\n\n\n\n\n\n    <div class=\"container\">\n        \n        <div class=\"article-teasers\">\n            <div class=\"article-teasers__container-primary\">\n                <div class=\"article-teasers__container-primary-inner\">\n                                                                                                                    <a class=\"article-teaser article-teaser--large article-teaser--2\" href=\"https:\/\/www.finanzen.net\/ratgeber\/news\/riester-vertrag-uebertragen-warum-du-den-anbieterwechsel-jetzt-schon-vorbereiten-solltest-30-04-2026-01\/\">\n                                <div class=\"article-teaser__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"1296\" height=\"768\" src=\"https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/04\/riester-vertrag-uebertragen-e1776172441739.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/04\/riester-vertrag-uebertragen-e1776172441739.png 1296w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/04\/riester-vertrag-uebertragen-e1776172441739-300x178.png 300w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/04\/riester-vertrag-uebertragen-e1776172441739-1024x607.png 1024w, https:\/\/www.finanzen.net\/ratgeber\/wp-content\/uploads\/2026\/04\/riester-vertrag-uebertragen-e1776172441739-768x455.png 768w\" sizes=\"auto, (max-width: 1296px) 100vw, 1296px\" \/>                                <\/div>\n                                <div class=\"article-teaser__content-container\">\n                                    <div class=\"article-teaser__preline\">\n                                                                            <\/div>\n                                    <h3 class=\"headline headline--h3 article-teaser__headline\">\n                                        Riester-Vertrag: Warum du den Wechsel ins Altersvorsorgedepot jetzt schon vorbereiten solltest                                    <\/h3>\n                                    <div class=\"article-teaser__excerpt\">\n                                        <span class=\"article-teaser__excerpt-arrow\">\n                                                                                    <\/span>\n                                    <\/div>\n                                    <span class=\"article-teaser__more-link link link--arrow-right\">\n                                        Mehr erfahren\n                                    <\/span>\n                                <\/div>\n                            <\/a>\n                                                            <\/div>\n            <\/div>\n\n            <div class=\"article-teasers__container-secondary\">\n                                                                                                                                        <\/div>\n        <\/div>\n    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