{"id":24685,"date":"2024-10-08T22:36:23","date_gmt":"2024-10-08T20:36:23","guid":{"rendered":"https:\/\/www.finanzen.net\/zero\/etf-sparplan-v2-copy\/"},"modified":"2026-07-28T21:35:31","modified_gmt":"2026-07-28T19:35:31","slug":"altersvorsorgedepot","status":"publish","type":"page","link":"https:\/\/www.finanzen.net\/zero\/altersvorsorgedepot\/","title":{"rendered":"Altersvorsorgedepot"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"24685\" class=\"elementor elementor-24685\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-308e43dc elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"308e43dc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-25e23761\" data-id=\"25e23761\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20aa7a90 elementor-widget elementor-widget-html\" data-id=\"20aa7a90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&family=Work+Sans:wght@300;400;500;600;700&display=swap\" rel=\"stylesheet\">\n  <link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/5.15.4\/css\/all.min.css\">\n  <link rel=\"stylesheet\" href=\"https:\/\/sibforms.com\/forms\/end-form\/build\/sib-styles.css\">\n  <style>\n    :root {\n      --navy:      #080104;\n      --pink:      #FF1C7C;\n      --off-white: #FCFAFB;\n      --muted:     #444444;\n      --dark:      #141414;\n    }\n    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }\n    body { font-family: 'Plus Jakarta Sans', sans-serif; background: #fff; color: var(--navy); overflow-x: hidden; }\n\n    \/* \u2500\u2500\u2500 HERO \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n    .hero {\n      position: relative;\n      width: 100%;\n      height: 820px;\n      background: var(--navy);\n      overflow: hidden;\n      display: flex;\n      align-items: flex-end;\n    }\n    .hero-bg { position: absolute; inset: 0; }\n    .hero-bg img { position: absolute; height: 160%; top: -18%; left: 0; width: 143%; object-fit: cover; }\n    .hero-bg::after {\n      content: '';\n      position: absolute;\n      inset: 0;\n      background: linear-gradient(to right, rgba(0,0,0,0.9) 0%, rgba(0,0,0,0.6) 30%, transparent 65%);\n    }\n    .hero-content {\n      position: relative;\n      z-index: 2;\n      padding: 40px 60px 60px;\n      max-width: 850px;\n      display: flex;\n      flex-direction: column;\n      gap: 24px;\n    }\n    .hero h1 {\n      font-size: 65px;\n      font-weight: 600;\n      line-height: 1.2;\n      letter-spacing: -1.95px;\n      color: #fff;\n      text-shadow: 0 4px 4px rgba(0,0,0,0.16);\n    }\n    .hero p { font-size: 20px; font-weight: 500; line-height: 1.5; color: #fff; max-width: 730px; }\n    .hero-qr {\n      position: absolute; right: 100px; bottom: 60px; z-index: 2;\n      background: rgba(255,255,255,0.1);\n      backdrop-filter: blur(2px);\n      border: 1px solid rgba(255,255,255,0.1);\n      border-radius: 20px; padding: 8px;\n    }\n    .hero-qr .qr-inner {\n      background: #fff; border-radius: 15px; padding: 12px;\n      display: flex; flex-direction: column; align-items: center; gap: 8px;\n    }\n    .hero-qr img { width: 80px; height: 80px; object-fit: cover; border-radius: 8px; }\n    .hero-qr .qr-label { font-size: 14px; font-weight: 500; color: var(--navy); }\n\n    \/* \u2500\u2500\u2500 BUTTONS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n    .btn-large {\n      display: inline-flex; align-items: center; gap: 14px;\n      border: none; border-radius: 100px; padding: 20px 24px;\n      font-family: inherit; font-size: 16px; font-weight: 700;\n      letter-spacing: 2px; cursor: pointer; white-space: nowrap; text-decoration: none;\n    }\n    .btn-light { background: var(--off-white); color: var(--navy); }\n    .btn-light .btn-icon-inline { color: var(--pink); }\n    .btn-pink { background: var(--pink); color: #fff; }\n    .btn-pink .btn-icon-inline { color: #fff; }\n    .hero-btns { display: flex; flex-direction: row; gap: 24px; flex-wrap: wrap; }\n    .btn-circle {\n      width: 44px; height: 44px; border-radius: 50%; display: flex;\n      align-items: center; justify-content: center; flex-shrink: 0;\n    }\n\n    \/* \u2500\u2500\u2500 ALTERSVORSORGEDEPOT \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n    .avd-section { background: #fff; padding: 80px clamp(24px, 8vw, 120px); }\n    .avd-columns { display: flex; gap: clamp(32px, 5vw, 80px); align-items: flex-start; }\n    .avd-left { width: 420px; flex-shrink: 0; display: flex; flex-direction: column; gap: 20px; }\n    .avd-left h2 { font-size: 44px; font-weight: 600; line-height: 1.3; color: #000; }\n    .avd-left .desc { font-size: 20px; font-weight: 500; line-height: 1.6; color: var(--muted); }\n    .avd-left .desc p + p { margin-top: 12px; }\n    .avd-features { flex: 1; display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }\n    .feat-card { display: flex; flex-direction: column; gap: 20px; }\n    .feat-icon-sq {\n      width: 100px; height: 100px; background: var(--off-white);\n      border-radius: 16px; display: flex; align-items: center;\n      justify-content: center; font-size: 24px; color: var(--pink);\n    }\n    .feat-card h4 { font-size: 21px; font-weight: 600; line-height: 1.5; color: #000; }\n    .feat-card p { font-size: 18px; font-weight: 500; line-height: 1.5; color: var(--dark); }\n\n    \/* \u2500\u2500\u2500 DIE ZWEI PHASEN \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n    .phasen-section { background: #fff; padding: 80px clamp(24px, 8vw, 120px) 40px; }\n    .phasen-section h2 { font-size: 44px; font-weight: 600; line-height: 1.3; color: #000; margin-bottom: 32px; }\n    .phasen-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 24px; }\n    .phase-card {\n      background: var(--off-white); border-radius: 25px; padding: 32px;\n      display: flex; flex-direction: column; gap: 20px;\n    }\n    .phase-num {\n      width: 65px; height: 65px; background: #fff; border-radius: 15px;\n      display: flex; align-items: center; justify-content: center;\n      font-size: 21px; font-weight: 600; color: var(--pink);\n    }\n    .phase-card h4 { font-size: 21px; font-weight: 600; color: #000; line-height: 1.5; }\n    .phase-card p { font-size: 18px; font-weight: 500; color: var(--muted); line-height: 1.5; }\n\n    .stats-card {\n      background: var(--off-white); border-radius: 25px; padding: 32px;\n      display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 24px;\n    }\n    .stat-item { display: flex; align-items: center; gap: 20px; }\n    .stat-icon {\n      width: 64px; height: 64px; background: var(--pink); border-radius: 50%;\n      display: flex; align-items: center; justify-content: center;\n      color: #fff; font-size: 28px; flex-shrink: 0;\n    }\n    .stat-number { font-size: 44px; font-weight: 600; line-height: 1.3; color: #000; }\n    .stat-label { font-size: 18px; font-weight: 500; color: var(--muted); line-height: 1.5; }\n\n    .beachten-card { background: var(--off-white); border-radius: 25px; padding: 32px; margin-bottom: 40px; }\n    .beachten-card h4 { font-size: 21px; font-weight: 600; color: #000; margin-bottom: 20px; }\n    .beachten-list { display: flex; flex-direction: column; gap: 14px; }\n    .beachten-item { display: flex; align-items: flex-start; gap: 14px; }\n    .beachten-dot {\n      width: 32px; height: 32px; background: rgba(255,28,124,0.06);\n      border-radius: 50%; display: flex; align-items: center; justify-content: center;\n      flex-shrink: 0; margin-top: 1px;\n    }\n    .beachten-dot i { font-size: 12px; color: var(--pink); }\n    .beachten-item p { font-size: 18px; font-weight: 400; line-height: 1.5; color: var(--muted); font-family: 'Work Sans', sans-serif; }\n    .beachten-item p strong { font-weight: 700; color: var(--muted); }\n\n    \/* \u2500\u2500\u2500 STATUS INFO \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n    .status-section { background: #fff; padding: 0 clamp(24px, 8vw, 120px) 60px; }\n    .status-text { font-family: 'Work Sans', sans-serif; font-size: 18px; line-height: 1.4; color: #787f89; max-width: 1000px; }\n    .status-text strong { font-weight: 700; display: block; margin-top: 20px; margin-bottom: 2px; }\n    .status-text strong:first-child { margin-top: 0; }\n\n    \/* \u2500\u2500\u2500 ALTERSVORSORGERECHNER \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n    .rechner-wrap { background: #fff; padding: 0 30px 30px; }\n    .rechner-section {\n      background: var(--off-white);\n      border-radius: 50px; border: 30px solid #fff;\n      padding: 80px clamp(40px, 8vw, 120px);\n      display: flex; flex-direction: column; gap: 60px; align-items: center;\n    }\n    .rechner-title { text-align: center; display: flex; flex-direction: column; gap: 8px; }\n    .rechner-title h2 { font-size: 44px; font-weight: 600; line-height: 1.3; color: #000; }\n    .rechner-title p { font-size: 20px; font-weight: 500; line-height: 1.6; color: var(--muted); }\n    .rechner-body {\n      position: relative; width: 100%; max-width: 900px;\n      padding: 0 clamp(0px, 10%, 130px); text-align: center;\n    }\n    .rechner-text {\n      font-size: 30px; font-weight: 500; line-height: 1.6; color: var(--muted);\n      text-align: center; position: relative; z-index: 1;\n    }\n    .rechner-val {\n      color: var(--pink); font-weight: 700; display: inline-flex;\n      align-items: center; gap: 4px; white-space: nowrap;\n    }\n    .rechner-val .caret {\n      display: inline-block; width: 0; height: 0;\n      border-left: 5px solid transparent;\n      border-right: 5px solid transparent;\n      border-top: 6px solid var(--pink);\n      margin-left: 2px; margin-bottom: 1px;\n    }\n    .rechner-computed { text-decoration: underline; font-weight: 700; color: #000; }\n    .rechner-quote {\n      position: absolute; font-family: 'Plus Jakarta Sans', sans-serif;\n      font-size: 130px; font-weight: 800; opacity: 0.08; color: #000;\n      line-height: 1; pointer-events: none; z-index: 0;\n    }\n    .rechner-quote.open { top: -20px; left: 20px; }\n    .rechner-quote.close { bottom: -60px; right: 60px; }\n    .rechner-note { font-size: 18px; font-weight: 500; color: #787f89; text-align: center; }\n    .rechner-note a { color: #787f89; }\n    \/* inline inputs *\/\n    .rechner-input {\n      background: none; border: none; border-bottom: 2px solid var(--pink);\n      color: var(--pink); font-weight: 700; font-family: inherit; font-size: inherit;\n      line-height: inherit; text-align: center; min-width: 2ch;\n      outline: none; cursor: text; padding: 0;\n      -moz-appearance: textfield; appearance: textfield;\n    }\n    .rechner-input::-webkit-outer-spin-button,\n    .rechner-input::-webkit-inner-spin-button { -webkit-appearance: none; }\n    .rechner-input:focus { border-bottom-color: #000; }\n    select.rechner-input { cursor: pointer; padding-right: 2px; }\n    .rechner-highlight { font-size: 1.1em; }\n    \/* result cards *\/\n    .rechner-results {\n      display: flex; gap: 16px; width: 100%; max-width: 900px;\n      flex-wrap: wrap; justify-content: center;\n    }\n    .r-result-card {\n      flex: 1; min-width: 160px;\n      background: #fff; border-radius: 20px; padding: 20px 24px;\n      display: flex; flex-direction: column; gap: 6px; align-items: center;\n      text-align: center; box-shadow: 0 2px 12px rgba(0,0,0,0.06);\n    }\n    .r-result-card.r-result-highlight { background: var(--navy); }\n    .r-result-label { font-size: 14px; font-weight: 500; color: var(--muted); line-height: 1.4; }\n    .r-result-highlight .r-result-label { color: rgba(255,255,255,0.55); }\n    .r-result-val { font-size: 26px; font-weight: 700; color: var(--navy); letter-spacing: -0.5px; }\n    .r-result-val.pink { color: var(--pink); }\n    .r-result-highlight .r-result-val { color: var(--pink); font-size: 34px; }\n\n    \/* \u2500\u2500\u2500 VERGLEICH \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n    .vergleich-section { background: var(--off-white); padding: 80px clamp(24px, 8vw, 120px); }\n    .vergleich-section .v-intro { margin-bottom: 60px; display: flex; flex-direction: column; gap: 24px; }\n    .vergleich-section .v-intro h2 { font-size: 44px; font-weight: 600; line-height: 1.3; color: #000; }\n    .vergleich-section .v-intro p { font-size: 20px; font-weight: 500; line-height: 1.6; color: var(--dark); }\n    .v-table-wrap { background: #fff; border-radius: 25px; padding: 0 32px 32px; overflow: hidden; }\n    .table-scroll-hint { display: none; }\n    .v-table { width: 100%; border-collapse: collapse; }\n    .v-table thead th {\n      padding: 24px 20px; text-align: center; vertical-align: bottom;\n      border-bottom: 1px solid #d9dde0;\n    }\n    .v-table thead th:first-child { text-align: left; width: 26%; }\n    .v-table thead th.highlight { color: var(--pink); font-size: 18px; font-weight: 600; }\n    .v-table thead th .sub { font-size: 14px; font-weight: 400; color: var(--muted); display: block; margin-top: 2px; }\n    .v-table tbody td {\n      padding: 20px; text-align: center; vertical-align: middle;\n      border-bottom: 1px solid #d9dde0; font-size: 16px; color: #000;\n    }\n    .v-table tbody td:first-child { text-align: left; font-size: 16px; }\n    .v-table tbody tr:last-child td { border-bottom: none; }\n    .v-check {\n      display: inline-flex; align-items: center; justify-content: center;\n      flex-direction: column; gap: 6px;\n    }\n    .v-check-icon {\n      width: 32px; height: 32px; background: rgba(255,28,124,0.06);\n      border-radius: 50%; display: flex; align-items: center; justify-content: center;\n      flex-shrink: 0;\n    }\n    .v-check-icon i { font-size: 12px; color: var(--pink); }\n    .v-cross { font-size: 20px; color: #aaa; }\n    .v-sub { font-size: 13px; color: #787f89; max-width: 140px; line-height: 1.4; }\n\n    \/* \u2500\u2500\u2500 FR\u00dcHSTART-RENTE \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n    .fruehstart-wrap { background: #fff; padding: 30px 30px; }\n    .fruehstart-section {\n      background: #fff; border-radius: 50px; border: 30px solid #fff;\n      overflow: hidden;\n      display: flex; gap: clamp(32px, 5vw, 80px); align-items: flex-start;\n      padding: 80px clamp(40px, 8vw, 120px) 40px;\n    }\n    .fruehstart-image {\n      flex-shrink: 0; width: clamp(300px, 36%, 480px); height: 729px;\n      border-radius: 25px; overflow: hidden; position: relative;\n      background: #02162c;\n    }\n    .fruehstart-image .fs-bg {\n      position: absolute;\n      \/* shows the right portion of the wide space background *\/\n      left: -152%; top: -14%;\n      width: 265%; height: auto;\n    }\n    .fruehstart-image .fs-people {\n      position: absolute;\n      \/* centres the astronaut composite over the card *\/\n      left: 50%; top: 50%;\n      transform: translate(-50%, -50%);\n      width: 260%; height: auto;\n      object-position: center center;\n    }\n    .fruehstart-image::after {\n      content: ''; position: absolute; inset: 0;\n      background: linear-gradient(to left, rgba(2,22,44,0) 55%, rgba(2,22,44,0.55));\n    }\n    .fruehstart-right {\n      flex: 1; display: flex; flex-direction: column; gap: 40px; justify-content: center; padding-top: 20px;\n    }\n    .fruehstart-right h2 {\n      font-size: 44px; font-weight: 600; line-height: 1.3; color: #000;\n    }\n    .fruehstart-right h2 span { font-weight: 400; }\n    .fruehstart-features { display: flex; flex-direction: column; gap: 16px; }\n    .fs-feat { display: flex; gap: 16px; align-items: flex-start; }\n    .fs-feat-icon {\n      width: 32px; height: 32px; background: rgba(255,28,124,0.06);\n      border-radius: 50%; display: flex; align-items: center; justify-content: center;\n      flex-shrink: 0; margin-top: 2px;\n    }\n    .fs-feat-icon i { font-size: 12px; color: var(--pink); }\n    .fs-feat p {\n      font-size: 18px; line-height: 1.4; color: var(--muted);\n      font-family: 'Work Sans', sans-serif; font-weight: 400;\n    }\n    .fs-feat p strong { font-weight: 700; }\n    .fruehstart-stats { display: flex; gap: 40px; align-items: stretch; margin-top: 8px; }\n    .fs-seal { flex: 1; }\n    .fs-seal img { height: 194px; object-fit: contain; }\n    .fs-stat {\n      flex: 1; background: var(--off-white); border-radius: 25px; padding: 20px;\n      display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 6px;\n      text-align: center;\n    }\n    .fs-stat .icon-wrap { color: var(--pink); font-size: 20px; margin-bottom: 4px; }\n    .fs-stat .big { font-size: 42px; font-weight: 700; color: var(--muted); letter-spacing: -1.26px; }\n    .fs-stat .small { font-size: 14px; font-weight: 500; color: var(--muted); line-height: 1.5; }\n\n    \/* \u2500\u2500\u2500 CTA BANNER \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n    .cta-section {\n      background: rgba(255,255,255,0.2); padding: 60px clamp(24px, 8vw, 120px);\n      display: flex; gap: 30px; align-items: stretch;\n    }\n    .cta-media {\n      width: clamp(260px, 36%, 420px); height: 360px; flex-shrink: 0;\n      background: var(--pink); border-radius: 25px; position: relative;\n    }\n    .cta-img-wrap {\n      position: absolute; left: -39px; top: -121px;\n      width: 481px; height: 481px; border-radius: 25px; overflow: hidden;\n    }\n    .cta-img-wrap img {\n      position: absolute;\n      left: -212.39%; top: -13.23%;\n      width: 330.05%; height: 135.21%;\n      max-width: none;\n    }\n    .cta-img-wrap::after {\n      content: ''; position: absolute; inset: 0;\n      background: linear-gradient(to bottom, rgba(224,20,106,0) 20%, rgba(224,20,106,0.35));\n      mix-blend-mode: lighten;\n    }\n    .cta-qr {\n      position: absolute; left: 50%; transform: translateX(-50%); bottom: 20px; z-index: 10;\n      background: rgba(255,255,255,0.15);\n      backdrop-filter: blur(8px);\n      border: 1px solid rgba(255,255,255,0.2);\n      border-radius: 20px; padding: 8px;\n    }\n    .cta-qr .qr-inner {\n      background: #fff; border-radius: 15px; padding: 12px;\n      display: flex; flex-direction: column; align-items: center; gap: 8px;\n    }\n    .cta-qr .qr-inner img { width: 80px; height: 80px; object-fit: cover; border-radius: 8px; }\n    .cta-qr .qr-label { font-size: 14px; font-weight: 500; color: var(--navy); }\n    .cta-content {\n      flex: 1; background: rgba(249,245,246,0.5);\n      backdrop-filter: blur(12.5px); border-radius: 25px;\n      padding: 40px; display: flex; flex-direction: column; gap: 24px; justify-content: center;\n    }\n    .cta-content h2 { font-size: 44px; font-weight: 600; line-height: 1.3; color: #000; }\n    .cta-content p { font-size: 20px; font-weight: 500; line-height: 1.6; color: var(--muted); }\n    .cta-content .btn-cta {\n      display: inline-flex; align-items: center; gap: 14px;\n      background: #fff; color: var(--navy); border: none; border-radius: 100px;\n      padding: 20px 24px; font-family: inherit; font-size: 16px; font-weight: 700;\n      letter-spacing: 2px; cursor: pointer; white-space: nowrap; text-decoration: none; align-self: flex-start;\n    }\n    .cta-content .btn-cta .btn-circle { background: var(--pink); color: #fff; }\n\n    \/* \u2500\u2500\u2500 FAQ \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n    .faq-wrap { background: #fff; padding: 0 30px 30px; }\n    .faq-section {\n      background: var(--off-white);\n      border-radius: 50px; border: 30px solid #fff;\n      padding: 80px clamp(24px, 7vw, 100px);\n    }\n    .faq-section h2 { font-size: 44px; font-weight: 600; line-height: 1.3; color: #000; text-align: center; margin-bottom: 40px; }\n    .faq-list { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 8px; }\n    .faq-item { background: #fff; border-radius: 4px; overflow: hidden; box-shadow: 0 2px 0 rgba(2,22,44,0.1); }\n    .faq-question {\n      display: flex; align-items: center; justify-content: space-between;\n      padding: 24px; cursor: pointer; gap: 20px;\n    }\n    .faq-question p { font-size: 21px; font-weight: 600; line-height: 1.5; color: var(--muted); flex: 1; }\n    .faq-question.open p { color: var(--pink); }\n    .faq-question i { color: #757575; font-size: 18px; flex-shrink: 0; transition: transform 0.2s; }\n    .faq-answer { padding: 0 24px 24px; }\n    .faq-answer p { font-size: 20px; font-weight: 500; line-height: 1.6; color: var(--muted); }\n    .faq-item:not(.open) .faq-answer { display: none; }\n    \n    \/* \u2500\u2500 ANMELDEN \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n\n       #anmelden h2{\n        font-size: 44px;\n    font-weight: 600;\n    line-height: 1.3;\n    color: #000;\n    text-align: center;\n    margin-bottom: 40px;\n       }\n       \n           \n\n    \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       RESPONSIVE \u2014 TABLET \/ MEDIUM  \u2264 1100px\n       Handles the mid-range between full desktop and mobile breakpoint\n    \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n    @media (max-width: 1100px) {\n\n      \/* Hero: scale down the big headline *\/\n      .hero h1 { font-size: clamp(38px, 5vw, 55px); }\n\n      \/* AVD: stack left column above features grid *\/\n      .avd-columns { flex-direction: column; gap: 40px; }\n      .avd-left { width: 100%; }\n\n      \/* Stats card: 2 columns instead of 3 *\/\n      .stats-card { grid-template-columns: repeat(2, 1fr); }\n\n      \/* Fr\u00fcstart: cap image height so it doesn't dwarf the text *\/\n      .fruehstart-image { height: clamp(420px, 60vw, 729px); }\n\n      \/* Rechner: reduce large font slightly *\/\n      .rechner-text { font-size: clamp(20px, 2.5vw, 30px); }\n    }\n\n    \/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n       RESPONSIVE \u2014 MOBILE  \u2264 768px\n       Figma frame: 375px  |  node 338:9012\n       Side padding: 24px\n    \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n    @media (max-width: 768px) {\n\n      \/* \u2500\u2500 HERO \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .hero {\n        height: 500px;\n        align-items: flex-end;\n      }\n      \/* full-width, portrait-friendly background crop *\/\n      .hero-bg img {\n        left: 0px;\n        width: 200%;\n        height: 120%;\n        top: 45px;\n        object-position: 77%;\n      }\n      \/* stronger gradient so text stays readable on narrow screens *\/\n      .hero-bg::after {\n        background: linear-gradient(to right, rgba(0,0,0,0.9) 0%, rgba(0,0,0,0.6) 30%, transparent 65%)\n      }\n      \/* \u2500\u2500 HERO MOBILE \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .hero { height: 100svh; min-height: 580px; align-items: flex-end; }\n      .hero-content {\n        position: absolute;\n        bottom: 30px; left: 24px; right: 24px;\n        background: #FCFAFB;\n        border-radius: 24px;\n        padding: 24px;\n        gap: 16px;\n        max-width: 100%;\n        text-align: center;\n        align-items: center;\n      }\n      .hero h1 {\n        font-size: 32px;\n        letter-spacing: -0.32px;\n        line-height: 1.25;\n        color: #000;\n        text-shadow: none;\n      }\n      \/* hide body text on mobile per Figma *\/\n      .hero-body { display: none; }\n      \/* hide the QR code widget on mobile *\/\n      .hero-qr { display: none; }\n      \/* buttons: stacked full-width *\/\n      .hero-btns {\n        flex-direction: column;\n        gap: 10px;\n        width: 100%;\n      }\n      .hero-content .btn-large {\n        width: 100%;\n        justify-content: center;\n        font-size: 15px;\n        padding: 13px 16px;\n        letter-spacing: 1px;\n      }\n\n      \/* \u2500\u2500 ALTERSVORSORGEDEPOT (avd) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .avd-section {\n        padding: 48px 24px;\n      }\n      .avd-columns {\n        flex-direction: column;\n        gap: 40px;\n      }\n      .avd-left {\n        width: 100%;\n      }\n      .avd-left h2 {\n        font-size: 32px;\n      }\n      .avd-left .desc {\n        font-size: 16px;\n      }\n      .avd-features {\n        grid-template-columns: 1fr;\n        gap: 24px;\n      }\n      .feat-card h4 {\n        font-size: 18px;\n      }\n      .feat-card p {\n        font-size: 15px;\n      }\n\n      \/* \u2500\u2500 ALTERSVORSORGERECHNER \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .rechner-wrap {\n        padding: 0 0 24px;\n      }\n      .rechner-section {\n        border-radius: 24px;\n        border-width: 16px;\n        padding: 40px 24px;\n        gap: 40px;\n      }\n      .rechner-title h2 {\n        font-size: 28px;\n      }\n      .rechner-title p {\n        font-size: 16px;\n      }\n      .rechner-body {\n        padding: 0;\n        width: 100%;\n        max-width: 100%;\n      }\n      .rechner-text {\n        font-size: 20px;\n        line-height: 1.7;\n      }\n      \/* hide oversized decorative quotation marks *\/\n      .rechner-quote {\n        display: none;\n      }\n      \/* result cards: 2-column grid (2\u00d72 + 1 centred) *\/\n      .rechner-results {\n        display: grid;\n        grid-template-columns: 1fr 1fr;\n        gap: 12px;\n        max-width: 100%;\n      }\n      \/* last card (Netto-Rente) spans both columns *\/\n      .r-result-card:last-child {\n        grid-column: 1 \/ -1;\n      }\n      .r-result-card {\n        min-width: unset;\n        padding: 16px;\n      }\n      .r-result-val {\n        font-size: 22px;\n      }\n      .r-result-highlight .r-result-val {\n        font-size: 28px;\n      }\n      .rechner-note {\n        font-size: 13px;\n        text-align: left;\n      }\n\n      \/* \u2500\u2500 DIE ZWEI PHASEN \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .phasen-section {\n        padding: 48px 24px 24px;\n      }\n      .phasen-section h2 {\n        font-size: 28px;\n        margin-bottom: 24px;\n      }\n      \/* single-column cards *\/\n      .phasen-grid {\n        grid-template-columns: 1fr;\n        gap: 16px;\n        margin-bottom: 16px;\n      }\n      .phase-card {\n        padding: 24px;\n        border-radius: 20px;\n      }\n      .phase-card h4 {\n        font-size: 18px;\n      }\n      .phase-card p {\n        font-size: 15px;\n      }\n\n      \/* \u2500\u2500 STATS CARD \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .stats-card {\n        grid-template-columns: 1fr;\n        gap: 20px;\n        padding: 24px;\n        border-radius: 20px;\n        margin-bottom: 16px;\n      }\n      .stat-item {\n        gap: 16px;\n      }\n      .stat-number {\n        font-size: 36px;\n      }\n      .stat-label {\n        font-size: 15px;\n      }\n\n      \/* \u2500\u2500 BEACHTEN \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .beachten-card {\n        padding: 24px;\n        border-radius: 20px;\n        margin-bottom: 24px;\n      }\n      .beachten-item p {\n        font-size: 15px;\n      }\n\n      \/* \u2500\u2500 STATUS SECTION \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .status-section {\n        padding: 0 24px 40px;\n      }\n      .status-text {\n        font-size: 15px;\n      }\n\n      \/* \u2500\u2500 VERGLEICH (comparison table) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .vergleich-section {\n        padding: 48px 24px;\n      }\n      .vergleich-section .v-intro {\n        margin-bottom: 32px;\n        gap: 16px;\n      }\n      .vergleich-section .v-intro h2 {\n        font-size: 28px;\n      }\n      .vergleich-section .v-intro p {\n        font-size: 15px;\n      }\n      \/* make table horizontally scrollable *\/\n      .v-table-wrap {\n        overflow-x: auto;\n        -webkit-overflow-scrolling: touch;\n        padding: 0 16px 16px;\n        border-radius: 20px;\n        position: relative;\n      }\n      .v-table {\n        min-width: 560px;\n      }\n      .v-table thead th,\n      .v-table tbody td {\n        padding: 14px 12px;\n        font-size: 13px;\n      }\n      .v-sub {\n        font-size: 11px;\n        max-width: 110px;\n      }\n      \/* scroll indicator *\/\n      .table-scroll-hint {\n        display: block;\n        text-align: center;\n        font-size: 13px;\n        color: #aaa;\n        margin-top: 10px;\n        letter-spacing: 1px;\n      }\n\n      \/* \u2500\u2500 FR\u00dcHSTART-RENTE \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .fruehstart-wrap {\n        padding: 0 0 24px;\n      }\n      .fruehstart-section {\n        flex-direction: column;\n        gap: 0;\n        padding: 0;\n        border-radius: 24px;\n        border-width: 16px;\n        align-items: stretch;\n      }\n      \/* image on top, full-width *\/\n      .fruehstart-image {\n        width: 100%;\n        height: 260px;\n        border-radius: 16px 16px 0 0;\n        flex-shrink: 0;\n      }\n      \/* content below *\/\n      .fruehstart-right {\n        padding: 32px 24px 32px;\n        gap: 28px;\n        flex: unset;\n      }\n      .fruehstart-right h2 {\n        font-size: 28px;\n      }\n      .fs-feat p {\n        font-size: 15px;\n      }\n      .fruehstart-stats {\n        flex-direction: column;\n        gap: 16px;\n        margin-top: 0;\n      }\n      .fs-seal img {\n        height: 120px;\n      }\n      .fs-stat .big {\n        font-size: 34px;\n      }\n\n      \/* \u2500\u2500 CTA BANNER \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .cta-section {\n        flex-direction: column;\n        padding: 40px 24px;\n        gap: 24px;\n        align-items: stretch;\n      }\n      \/* image block on top *\/\n      .cta-media {\n        width: 100%;\n        height: 260px;\n        flex-shrink: 0;\n        overflow: hidden;\n        border-radius: 20px;\n      }\n      \/* reset absolute positioning \u2014 flow normally on mobile *\/\n      .cta-img-wrap {\n          position: absolute;\n        left: -212.39%; top: -13.23%;\n      width: 330.05%; height: 135.21%;\n        border-radius: 0;\n        overflow: hidden;\n      }\n      .cta-img-wrap img {\n        position: absolute;\n        left: 0;\n        top: 0;\n        width: 100%;\n        height: 100%;\n        object-fit: cover;\n        object-position: center;\n      }\n      \/* hide QR code inside CTA on mobile *\/\n      .cta-qr {\n        display: none;\n      }\n      \/* content block below *\/\n      .cta-content {\n        padding: 28px 24px;\n        border-radius: 20px;\n        gap: 18px;\n      }\n      .cta-content h2 {\n        font-size: 28px;\n      }\n      .cta-content p {\n        font-size: 16px;\n      }\n      .cta-content .btn-cta {\n        width: 100%;\n        justify-content: center;\n        font-size: 14px;\n        padding: 16px 20px;\n        letter-spacing: 1px;\n        align-self: stretch;\n      }\n\n      \/* \u2500\u2500 FAQ \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .faq-wrap {\n        padding: 0 16px 24px;\n      }\n      .faq-section {\n        border-radius: 24px;\n        border: none;\n        margin: 0;\n        padding: 40px 20px;\n      }\n      .faq-section h2 {\n        font-size: 28px;\n        margin-bottom: 28px;\n      }\n      .faq-item {\n        overflow: visible;\n      }\n      .faq-question {\n        padding: 18px 16px;\n      }\n      .faq-question p {\n        font-size: 16px;\n        overflow-wrap: break-word;\n        word-break: break-word;\n      }\n      .faq-answer {\n        padding: 0 16px 18px;\n      }\n      .faq-answer p {\n        font-size: 15px;\n      }\n\n      \/* \u2500\u2500 SHARED BUTTON ADJUSTMENTS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n      .btn-large {\n        font-size: 14px;\n        padding: 16px 20px;\n        letter-spacing: 1px;\n      }\n      \n      #anmelden h2{\n        font-size: 28px;\n    font-weight: 600;\n    line-height: 1.3;\n    color: #000;\n    text-align: center;\n    margin-bottom: 40px;\n       }\n\n    } \/* end @media (max-width: 768px) *\/\n\n    \/* \u2500\u2500\u2500 BREVO FORM OVERRIDES \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n    .sib-form { background: transparent !important; font-family: 'Plus Jakarta Sans', sans-serif !important; }\n    #sib-container { max-width: 540px !important; width: 100% !important; background: #fff !important; border-radius: 16px !important; border: none !important; padding: 32px !important; box-shadow: 0 4px 32px rgba(0,0,0,0.08) !important; text-align: left !important; }\n    #sib-container input, #sib-container textarea { font-family: 'Plus Jakarta Sans', sans-serif !important; border-radius: 8px !important; border: 1.5px solid #e0e0e0 !important; padding: 12px 16px !important; font-size: 16px !important; }\n    #sib-container input:focus { border-color: #FF1C7C !important; outline: none !important; }\n    #sib-container input:-ms-input-placeholder, #sib-container input::placeholder { font-family: 'Plus Jakarta Sans', sans-serif !important; color: #aaa !important; }\n    .sib-form-block__button { background-color: #FF1C7C !important; font-family: 'Plus Jakarta Sans', sans-serif !important; font-weight: 700 !important; font-size: 16px !important; border-radius: 8px !important; padding: 14px 32px !important; width: 100% !important; cursor: pointer !important; letter-spacing: 0.5px !important; }\n    .sib-form-block__button:hover { background-color: #e0006a !important; }\n    .entry__label { font-family: 'Plus Jakarta Sans', sans-serif !important; color: var(--navy) !important; font-size: 14px !important; font-weight: 600 !important; }\n    .checkbox_tick_positive { border-color: #FF1C7C !important; }\n    input.input_replaced:checked + .checkbox_tick_positive { background-color: #FF1C7C !important; border-color: #FF1C7C !important; }\n    #sib-container a { color: #FF1C7C !important; }\n    #error-message, #success-message { max-width: 540px !important; border-radius: 8px !important; font-family: 'Plus Jakarta Sans', sans-serif !important; }\n  <\/style>\n<\/head>\n<section class=\"hero\">\n  <div class=\"hero-bg\">\n    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2026\/03\/Hero-Image-Altervorsorge-2560-\u00d7-1458-px.jpg\" alt=\"\">\n  <\/div>\n  <div class=\"hero-content\">\n    <h1>Bis zu 540 \u20ac vom Staat \u2013 jedes Jahr. F\u00fcr Deine Rente.<\/h1>\n    <p class=\"hero-body\">Kein Versicherungsmantel, keine versteckten Kosten. Das neue Altersvorsorgedepot ist Riester-Nachfolger mit voller Marktrendite \u2013 geb\u00fchrenfrei bei ZERO, dem Broker von finanzen.net.<\/p>\n    <div class=\"hero-btns\">\n      <a href=\"#anmelden\" class=\"btn-large btn-light\">\n        F\u00fcr Warteliste anmelden\n        <i class=\"fas fa-arrow-right btn-icon-inline\"><\/i>\n      <\/a>\n      <a href=\"https:\/\/mein.finanzen-zero.net\/depot-eroeffnen\/registrieren\" class=\"btn-large btn-pink\">\n        Depot er\u00f6ffnen\n        <i class=\"fas fa-arrow-right btn-icon-inline\"><\/i>\n      <\/a>\n    <\/div>\n  <\/div>\n \n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27b7390e elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27b7390e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4f7c0f9f\" data-id=\"4f7c0f9f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54cc309d elementor-widget elementor-widget-html\" data-id=\"54cc309d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"avd-section\"><div class=\"avd-columns\"><div class=\"avd-left\"><h2>Altersvorsorgedepot<\/h2><div class=\"desc\"><p>Ab Januar 2027 investierst Du staatlich gef\u00f6rdert direkt in ETFs \u2013 mit voller Marktrendite und steuerfreiem Wachstum in der Ansparphase. Melde Dich gleich f\u00fcr die Warteliste an und verpasse nichts.<\/p><\/div><\/div><div class=\"avd-features\"><div class=\"feat-card\"><div class=\"feat-icon-sq\"><i class=\"fas fa-university\"><\/i><\/div><h4>Staatliche Unterst\u00fctzung<\/h4><p>Bis zu 540 \u20ac Grundzulage pro Jahr direkt ins Depot \u2013 50 Cent pro eingezahltem Euro bis 360 \u20ac, danach 25 Cent bis 1.800 \u20ac. Ertr\u00e4ge wachsen steuerfrei.<\/p><\/div><div class=\"feat-card\"><div class=\"feat-icon-sq\"><i class=\"fas fa-exchange-alt\"><\/i><\/div><h4>Riester einfach umziehen<\/h4><p>Bestehende Riester-Vertr\u00e4ge k\u00f6nnen ab 2027 ins Altersvorsorgedepot \u00fcberf\u00fchrt werden \u2013 erhaltene Zulagen und Steuervorteile bleiben dabei vollst\u00e4ndig erhalten.<\/p><\/div><div class=\"feat-card\"><div class=\"feat-icon-sq\"><i class=\"fas fa-sliders-h\"><\/i><\/div><h4>Volle Kontrolle<\/h4><p>Sparplan oder Einmalbetrag ab 10 \u20ac monatlich. Dein Geld flie\u00dft direkt in ETFs und w\u00e4chst mit dem Markt.<\/p><\/div><\/div><\/div><\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6dc5254a elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dc5254a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a724e19\" data-id=\"1a724e19\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-444fdbea elementor-widget elementor-widget-html\" data-id=\"444fdbea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"rechner-wrap\"><div class=\"rechner-section\"><div class=\"rechner-title\"><h2>Altersvorsorgerechner<\/h2><p>Altersvorsorgedepot: Jetzt voraussichtliche Zusatzrente berechnen.<\/p><\/div><div class=\"rechner-body\"><span class=\"rechner-quote open\">\"<\/span><p class=\"rechner-text\">Ich bin&nbsp;<span class=\"rechner-val\"><select class=\"rechner-input\" id=\"r-familienstand\"><option value=\"ledig\" selected>ledig<\/option><option value=\"verheiratet\">verheiratet<\/option><\/select><\/span>,&nbsp;<span class=\"rechner-val\"><input class=\"rechner-input\" id=\"r-alter\" type=\"number\" value=\"30\" min=\"18\" max=\"60\"><\/span>&nbsp;Jahre alt, verdiene&nbsp;<span class=\"rechner-val\"><input class=\"rechner-input\" id=\"r-einkommen\" type=\"number\" value=\"50000\" min=\"0\" max=\"500000\" step=\"1000\"><\/span>&nbsp;\u20ac brutto im Jahr und m\u00f6chte mit&nbsp;<span class=\"rechner-val\"><input class=\"rechner-input\" id=\"r-rentenalter\" type=\"number\" value=\"67\" min=\"62\" max=\"70\"><\/span>&nbsp;in Rente gehen. Monatlich m\u00f6chte ich&nbsp;<span class=\"rechner-val\"><input class=\"rechner-input\" id=\"r-beitrag\" type=\"number\" value=\"150\" min=\"25\" max=\"1500\"><\/span>&nbsp;\u20ac einzahlen und habe&nbsp;<span class=\"rechner-val\"><select class=\"rechner-input\" id=\"r-kinder\"><option value=\"0\">keine<\/option><option value=\"1\" selected>ein<\/option><option value=\"2\">zwei<\/option><option value=\"3\">drei<\/option><\/select><\/span>&nbsp;Kind(er).<span class=\"rechner-quote close\">\"<\/span><\/div><div class=\"rechner-results\"><div class=\"r-result-card\"><span class=\"r-result-label\">Grundzulage \/ Jahr<br><small style=\"font-size:11px;color:#aaa\">(max. 540 \u20ac bei \u2265 150 \u20ac\/Monat)<\/small><\/span><span class=\"r-result-val pink\" id=\"r-res-grundzulage\">360 \u20ac<\/span><\/div><div class=\"r-result-card\"><span class=\"r-result-label\">Kinderzulage \/ Jahr<br><small style=\"font-size:11px;color:#aaa\">(100 % bis 300 \u20ac\/Kind, ab 25 \u20ac\/Monat voll)<\/small><\/span><span class=\"r-result-val pink\" id=\"r-res-kinder\">300 \u20ac<\/span><\/div><div class=\"r-result-card\"><span class=\"r-result-label\">Steuervorteil \/ Jahr<br><small style=\"font-size:11px;color:#aaa\">(G\u00fcnstigerpr\u00fcfung, reinvestiert)<\/small><\/span><span class=\"r-result-val pink\" id=\"r-res-steuer\">350 \u20ac<\/span><\/div><div class=\"r-result-card\"><span class=\"r-result-label\">Depot zum Rentenalter<\/span><span class=\"r-result-val\" id=\"r-res-depot\">130.000 \u20ac<\/span><\/div><div class=\"r-result-card r-result-highlight\"><span class=\"r-result-label\">Netto-Rente \/ Monat<\/span><span class=\"r-result-val\" id=\"r-res-rente\">680 \u20ac<\/span><\/div><\/div><div><a href=\"#anmelden\" class=\"btn-large btn-pink\">F\u00fcr Warteliste anmelden <i class=\"fas fa-arrow-right btn-icon-inline\"><\/i><\/a><\/div><p class=\"rechner-note\">* Basierend auf dem Regierungsentwurf des Altersvorsorgereformgesetzes (beschlossen 17.12.2025). Die Grundzulage betr\u00e4gt bis zu 540 \u20ac pro Jahr (50 Cent je eingesetztem Euro auf die ersten 360 \u20ac, danach 25 Cent auf weitere 1.440 \u20ac). Die Kinderzulage bel\u00e4uft sich auf bis zu 300 \u20ac pro Kind und Jahr. Der Steuervorteil wird per G\u00fcnstigerpr\u00fcfung ermittelt. Die Hochrechnung nutzt eine j\u00e4hrliche Simulation mit 7,5 % p.a. (MSCI World) und ber\u00fccksichtigt das Halbeink\u00fcnfteverfahren in der Auszahlphase (Alter 67\u201385). Keine Steuer- oder Anlageberatung. <a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/FAQ\/reform-der-privaten-altersvorsorge.html\">Mehr zur Gesetzeslage \u2192<\/a><\/p><\/div><\/div><script>(function(){const PAYOUT_END_AGE=85;const MIN_BEITRAG=120;function gst(zvE){if(zvE<=12096)return 0;if(zvE<=17430)return 0.14+0.10*(zvE-12096)\/(17430-12096);if(zvE<=68430)return 0.24+0.18*(zvE-17430)\/(68430-17430);if(zvE<=277826)return 0.42;return 0.45;}function grundzulage(E){if(E<MIN_BEITRAG)return 0;const s1=Math.min(E,360)*0.50;const s2=Math.min(Math.max(0,E-360),1440)*0.25;return s1+s2;}function kinderzulage(E,kinder){if(E<MIN_BEITRAG||kinder===0)return 0;return kinder*Math.min(E,300);}function steuervorteil(E,gz,kz,grenzSteuersatz){const zulagen=gz+kz;const steuerBasis=E+zulagen;const ersparnis=steuerBasis*grenzSteuersatz;return Math.max(0,ersparnis-zulagen);}function fmt(n){return Math.round(n).toLocaleString('de-DE')+' \u20ac';}function resizeInput(el){el.style.width=(Math.max(2,el.value.length)+0.5)+'ch';}function val(id,fallback){return parseFloat(document.getElementById(id)?.value)||fallback;}function calc(){const familienstand=document.getElementById('r-familienstand').value;const alter=Math.max(18,Math.min(60,val('r-alter',30)));const rentenalter=Math.max(alter+1,Math.min(70,val('r-rentenalter',67)));const einkommen=Math.max(0,Math.min(500000,val('r-einkommen',50000)));const beitrag=Math.max(10,Math.min(1500,val('r-beitrag',150)));const kinder=Math.max(0,Math.min(5,val('r-kinder',1)));const rendite=7.5;const ansparJahre=rentenalter-alter;const E=beitrag*12;const r=rendite\/100;const gz=grundzulage(E);const kz=kinderzulage(E,kinder);const zvE=familienstand==='verheiratet'?einkommen\/2:einkommen;const sv=steuervorteil(E,gz,kz,gst(zvE));const annualBonus=gz+kz+sv;let kapital=0;for(let y=1;y<=ansparJahre;y++){kapital*=(1+r);kapital+=E;if(y>1)kapital+=annualBonus;}kapital+=annualBonus;const n=Math.max(1,PAYOUT_END_AGE-rentenalter);const grossJahrRente=r>0?kapital*r\/((1-Math.pow(1+r,-n))*(1+r)):kapital\/n;const gesamtEinzahlungen=(E+annualBonus)*ansparJahre;const ertragsanteil=Math.max(0,(kapital-gesamtEinzahlungen)\/kapital);const rentenZvE=grossJahrRente;const netJahrRente=grossJahrRente*(1-ertragsanteil*0.5*gst(rentenZvE));const netMonatRente=netJahrRente\/12;document.getElementById('r-res-grundzulage').textContent=fmt(gz);document.getElementById('r-res-kinder').textContent=fmt(kz);document.getElementById('r-res-steuer').textContent=fmt(sv);document.getElementById('r-res-depot').textContent=fmt(Math.round(kapital\/1000)*1000);document.getElementById('r-res-rente').textContent=fmt(netMonatRente);}document.addEventListener('DOMContentLoaded',function(){document.querySelectorAll('.rechner-input').forEach(function(el){if(el.tagName==='INPUT')resizeInput(el);el.addEventListener('input',function(){if(el.tagName==='INPUT')resizeInput(el);calc();});el.addEventListener('change',calc);});calc();});})();<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-31f0b01a elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31f0b01a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-59a8842\" data-id=\"59a8842\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-178943bf elementor-widget elementor-widget-html\" data-id=\"178943bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"phasen-section\"><h2>Anspar- und Auszahlphase im \u00dcberblick<\/h2><div class=\"phasen-grid\"><div class=\"phase-card\"><div class=\"phase-num\">1.<\/div><h4>Ansparphase<\/h4><p>Du zahlst ein, der Staat legt Zulagen oben drauf. Kursgewinne, Dividenden und Zinsen wachsen steuerfrei \u2013 keine Abgeltungssteuer, keine Vorabpauschale.<\/p><\/div><div class=\"phase-card\"><div class=\"phase-num\">2.<\/div><h4>Auszahlphase<\/h4><p>30 % als Einmalauszahlung m\u00f6glich, Rest als monatlicher Entnahmeplan. Versteuert wird nur zum dann niedrigeren Rentensteuersatz.<\/p><\/div><\/div><div class=\"stats-card\"><div class=\"stat-item\"><div class=\"stat-icon\"><i class=\"fas fa-plus\"><\/i><\/div><div><div class=\"stat-number\">540\u20ac<\/div><div class=\"stat-label\">j\u00e4hrlich vom Staat als Grundzulage (max.)<\/div><\/div><\/div><div class=\"stat-item\"><div class=\"stat-icon\"><i class=\"fas fa-child\"><\/i><\/div><div><div class=\"stat-number\">300\u20ac<\/div><div class=\"stat-label\">pro Kind\/Jahr und einmalig 200\u20ac f\u00fcr unter 25-j\u00e4hrige<\/div><\/div><\/div><div class=\"stat-item\"><div class=\"stat-icon\"><i class=\"fas fa-undo\"><\/i><\/div><div><div class=\"stat-number\">175\u20ac<\/div><div class=\"stat-label\">Geringverdiener-Bonus zus\u00e4tzlich (unter 26.250 \u20ac brutto)<\/div><\/div><\/div><\/div><div class=\"beachten-card\"><h4>Das gilt es zu beachten<\/h4><div class=\"beachten-list\"><div class=\"beachten-item\"><div class=\"beachten-dot\"><i class=\"fas fa-check\"><\/i><\/div><p><strong>Einzahlung:<\/strong> Bis zu 1.800 \u20ac Eigenbeitrag pro Jahr werden gef\u00f6rdert.<\/p><\/div><div class=\"beachten-item\"><div class=\"beachten-dot\"><i class=\"fas fa-check\"><\/i><\/div><p><strong>Auszahlung ab 65:<\/strong> 30 % als Einmalzahlung m\u00f6glich, Rest als monatlicher Plan (bis mind. 85).<\/p><\/div><div class=\"beachten-item\"><div class=\"beachten-dot\"><i class=\"fas fa-check\"><\/i><\/div><p><strong>Fr\u00fche Entnahme:<\/strong> F\u00f6rderung entf\u00e4llt (Ausnahme: Kauf von selbstgenutztem Wohneigentum).<\/p><\/div><div class=\"beachten-item\"><div class=\"beachten-dot\"><i class=\"fas fa-check\"><\/i><\/div><p><strong>Steuer:<\/strong> Versteuerung erst im Alter zum meist niedrigeren Steuersatz.<\/p><\/div><\/div><\/div><\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3b80ad46 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b80ad46\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f8b3166\" data-id=\"f8b3166\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3734dea9 elementor-widget elementor-widget-html\" data-id=\"3734dea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"vergleich-section\">\n  <div class=\"v-intro\">\n    <h2>Vergleich zu bestehenden privaten<br>Altersvorsorge-Systemen<\/h2>\n    <p>Das geplante Altersvorsorgedepot soll attraktiver und flexibler als Riester und R\u00fcrup sein.<br>Hier die Hauptunterschiede im \u00dcberblick:<\/p>\n  <\/div>\n  <div class=\"v-table-wrap\">\n    <table class=\"v-table\">\n      <thead>\n        <tr>\n          <th><\/th>\n          <th><strong>Riester<\/strong><\/th>\n          <th><strong>R\u00fcrup<\/strong><\/th>\n          <th class=\"highlight\">\n            Altersvorsorgedepot\n            <span class=\"sub\">(Aktueller Gesetzesentwurf)<\/span>\n          <\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td>Staatliche Zulagen<\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><\/span><\/td>\n          <td><span class=\"v-cross\">\u2715<\/span><\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Steuervorteil in<br>Einkommensteuererkl\u00e4rung<\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><\/span><\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><\/span><\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Nachgelagerte Versteuerung<br>ab Rentenbeginn<\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><\/span><\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><\/span><\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Auszahlung vor Rentenbeginn<\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><span class=\"v-sub\">Nur mit Verlust der F\u00f6rderung<\/span><\/span><\/td>\n          <td><span class=\"v-cross\">\u2715<\/span><\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><span class=\"v-sub\">Nur mit Verlust der F\u00f6rderung<\/span><\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Einmalauszahlung<br>mit Rentenbeginn<\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><span class=\"v-sub\">Maximal 30 %<\/span><\/span><\/td>\n          <td><span class=\"v-cross\">\u2715<\/span><\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><span class=\"v-sub\">Maximal 30 %<\/span><\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Auszahlung als monatliche<br>Rente nach Renteneintritt<\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><span class=\"v-sub\">Verpflichtend, mindestens bis zu 85. Lebensjahr<\/span><\/span><\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><span class=\"v-sub\">Verpflichtend, als lebenslange Rente<\/span><\/span><\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><span class=\"v-sub\">Verpflichtend, mindestens bis zu 85. Lebensjahr<\/span><\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Eigenst\u00e4ndige Auswahl<br>von Wertpapieren<\/td>\n          <td><span class=\"v-cross\">\u2715<\/span><\/td>\n          <td><span class=\"v-cross\">\u2715<\/span><\/td>\n          <td><span class=\"v-check\"><span class=\"v-check-icon\"><i class=\"fas fa-check\"><\/i><\/span><span class=\"v-sub\">Entweder selbst Produkte w\u00e4hlen oder in Form des Standarddepots managen lassen<\/span><\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Kapitalgarantie<\/td>\n          <td><span style=\"color:#787f89;font-size:14px;\">Verpflichtend<\/span><\/td>\n          <td><span style=\"color:#787f89;font-size:14px;\">Nicht verpflichtend<\/span><\/td>\n          <td><span style=\"color:#787f89;font-size:14px;\">Nicht verpflichtend<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Renditechancen<\/td>\n          <td><span style=\"color:#787f89;font-size:14px;\">Gering bis mittel<\/span><\/td>\n          <td><span style=\"color:#787f89;font-size:14px;\">Gering bis mittel<\/span><\/td>\n          <td><span style=\"color:#787f89;font-size:14px;\">Mittel bis hoch<\/span><\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n  <p class=\"table-scroll-hint\">\u2190 Scrollen \u2192<\/p>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3a50dfd7 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3a50dfd7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2528ce45\" data-id=\"2528ce45\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1304f855 elementor-widget elementor-widget-html\" data-id=\"1304f855\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"status-section\"><div class=\"status-text\"><strong>Aktueller Status der Reform<\/strong>Das Kabinett beschloss den Regierungsentwurf im Dezember 2025. CDU\/CSU und SPD haben sich im M\u00e4rz 2026 auf die finale F\u00f6rderstruktur geeinigt. Am 27. M\u00e4rz 2026 hat der Bundestag abgestimmt \u2013 der Start zum 1. Januar 2027 kommt.<strong>Umsetzung bei ZERO<\/strong>Sobald das Altersvorsorgedepot gesetzlich verankert ist, wird es schnellstm\u00f6glich bei ZERO verf\u00fcgbar sein. Jetzt anmelden und als Erster informiert werden.<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-693d5362 elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"693d5362\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5d3b146d\" data-id=\"5d3b146d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1045f3ed elementor-widget elementor-widget-html\" data-id=\"1045f3ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"faq-wrap\">\n  <div class=\"faq-section\">\n    <h2>Mehr \u00fcber Altersvorsorge bei ZERO<\/h2>\n    <div class=\"faq-list\">\n      <div class=\"faq-item\">\n        <div class=\"faq-question\">\n          <p>Wann startet das Altersvorsorgedepot?<\/p>\n          <i class=\"fas fa-chevron-right\"><\/i>\n        <\/div>\n        <div class=\"faq-answer\">\n          <p>Das Altersvorsorgedepot startet am 1. Januar 2027. Das Bundeskabinett hat den Gesetzentwurf im Dezember 2025 beschlossen, CDU\/CSU und SPD haben sich im M\u00e4rz 2026 auf die finale F\u00f6rderstruktur geeinigt. Der Bundestag stimmt am 26. M\u00e4rz 2026 ab. Melde dich jetzt an, um ab dem ersten Tag dabei zu sein.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"faq-item\">\n        <div class=\"faq-question\">\n          <p>Wie funktioniert die staatliche F\u00f6rderung?<\/p>\n          <i class=\"fas fa-chevron-right\"><\/i>\n        <\/div>\n        <div class=\"faq-answer\">\n          <p>Die Grundzulage ist zweistufig und einkommensunabh\u00e4ngig: F\u00fcr jeden eingezahlten Euro bis 360 \u20ac im Jahr gibt es 50 Cent vom Staat (max. 180 \u20ac), f\u00fcr jeden weiteren Euro bis 1.800 \u20ac noch 25 Cent (max. 360 \u20ac). Maximale Grundzulage: 540 \u20ac pro Jahr. Obendrauf: 300 \u20ac Kinderzulage pro Kind \u2013 bereits voll ab 25 \u20ac Eigenbeitrag im Monat. Berufseinsteiger unter 25 erhalten einmalig 200 \u20ac Startbonus. Wer unter 26.250 \u20ac brutto verdient, bekommt zus\u00e4tzlich 175 \u20ac Geringverdiener-Bonus. Gut Verdienende profitieren extra \u00fcber die automatische G\u00fcnstigerpr\u00fcfung in der Steuererkl\u00e4rung.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"faq-item\">\n        <div class=\"faq-question\">\n          <p>Wer bekommt die staatliche F\u00f6rderung?<\/p>\n          <i class=\"fas fa-chevron-right\"><\/i>\n        <\/div>\n        <div class=\"faq-answer\">\n          <p>F\u00f6rderberechtigt sind alle Pflichtversicherten der gesetzlichen Rentenversicherung \u2013 also Angestellte und Beamte. Neu seit der Koalitionseinigung im M\u00e4rz 2026: Auch alle Selbstst\u00e4ndigen k\u00f6nnen das Altersvorsorgedepot nutzen, egal ob Freelancer, Unternehmer oder Freiberufler ohne Rentenversicherungspflicht. Eine Einkommensgrenze gibt es nicht.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"faq-item\">\n        <div class=\"faq-question\">\n          <p>Kann ich meinen bestehenden Riester-Vertrag \u00fcbertragen?<\/p>\n          <i class=\"fas fa-chevron-right\"><\/i>\n        <\/div>\n        <div class=\"faq-answer\">\n          <p>Ja. Das Gesetz sieht eine \u00dcbertragungsm\u00f6glichkeit von Riester-Vertr\u00e4gen auf das neue Altersvorsorgedepot vor, sodass du dein angespartes Kapital mitnehmen kannst. Details zur konkreten Abwicklung werden mit dem offiziellen Start im Jahr 2027 bekannt gegeben.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"faq-item\">\n        <div class=\"faq-question\">\n          <p>Wie viel kann ich in das Altersvorsorgedepot einzahlen?<\/p>\n          <i class=\"fas fa-chevron-right\"><\/i>\n        <\/div>\n        <div class=\"faq-answer\">\n          <p>Den staatlichen Steuerabzug erh\u00e4ltst du auf bis zu 7.000 \u20ac eigene Einzahlungen pro Jahr (inkl. Zulagen). Es gibt keine gesetzliche Mindesteinzahlung \u2013 du kannst also auch mit kleinen Betr\u00e4gen starten. Wichtig: Nur zertifizierte UCITS-Produkte wie ETFs und Fonds sind zugelassen; Einzelaktien und Kryptow\u00e4hrungen sind ausgeschlossen.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"faq-item\">\n        <div class=\"faq-question\">\n          <p>Wie wird das Altersvorsorgedepot steuerlich behandelt?<\/p>\n          <i class=\"fas fa-chevron-right\"><\/i>\n        <\/div>\n        <div class=\"faq-answer\">\n          <p>In der Ansparphase fallen keine Kapitalertragsteuer und kein Solidarit\u00e4tszuschlag auf Kursgewinne, Dividenden oder Zinsen an \u2013 dein Depot w\u00e4chst steuerfrei. In der Rentenphase werden die Auszahlungen dann mit deinem (meist niedrigeren) pers\u00f6nlichen Einkommensteuersatz versteuert. Das nachgelagerte Besteuerungsmodell ist besonders vorteilhaft f\u00fcr Menschen mit hohem Einkommen in der Erwerbsphase.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"faq-item\">\n        <div class=\"faq-question\">\n          <p>Kann ich vor Rentenbeginn Geld entnehmen?<\/p>\n          <i class=\"fas fa-chevron-right\"><\/i>\n        <\/div>\n        <div class=\"faq-answer\">\n          <p>Vorzeitige Entnahmen sind grunds\u00e4tzlich nicht vorgesehen \u2013 du verlierst erhaltene F\u00f6rderungen und musst Steuern nachzahlen. Eine Ausnahme besteht f\u00fcr die Finanzierung von selbst genutztem Wohneigentum (sog. Wohn-Riester-Nachfolger); hier sind gef\u00f6rderte Entnahmen unter bestimmten Bedingungen m\u00f6glich.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"faq-item\">\n        <div class=\"faq-question\">\n          <p>Wie erfolgt die Auszahlung im Rentenalter?<\/p>\n          <i class=\"fas fa-chevron-right\"><\/i>\n        <\/div>\n        <div class=\"faq-answer\">\n          <p>Ab Rentenbeginn (fr\u00fchestens mit 62 Jahren) kannst du bis zu 30\u00a0% des angesparten Kapitals als Einmalbetrag entnehmen. Der Rest wird als Auszahlplan ausgezahlt \u2013 mindestens bis zum 85. Lebensjahr. Um das Langlebigkeitsrisiko abzusichern, ist ab 85 eine lebenslange Rente (z.\u00a0B. \u00fcber eine Versicherungsl\u00f6sung) vorgesehen.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<script>\n  document.querySelectorAll('.faq-question').forEach(btn => {\n    btn.addEventListener('click', () => {\n      const item = btn.closest('.faq-item');\n      const isOpen = item.classList.contains('open');\n      document.querySelectorAll('.faq-item').forEach(i => i.classList.remove('open'));\n      document.querySelectorAll('.faq-question').forEach(q => {\n        q.classList.remove('open');\n        q.querySelector('i').className = 'fas fa-chevron-right';\n      });\n      if (!isOpen) {\n        item.classList.add('open');\n        btn.classList.add('open');\n        btn.querySelector('i').className = 'fas fa-chevron-down';\n      }\n    });\n  });\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-64d34bf9 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64d34bf9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-49d2d803\" data-id=\"49d2d803\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e2971a1 elementor-widget elementor-widget-html\" data-id=\"5e2971a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"cta-section\">\n  <div class=\"cta-media\">\n    <div class=\"cta-img-wrap\">\n      <img decoding=\"async\" src=\"\/wp-content\/uploads\/2026\/03\/26570efe-b1cd-492f-8094-d6466a67b8d1.png\" alt=\"ZERO App\">\n    <\/div>\n  <\/div>\n  <div class=\"cta-content\">\n    <h2>Jetzt starten,<br>ab 2027 gef\u00f6rdert investieren<\/h2>\n    <p>Er\u00f6ffne heute einen ZERO Depot und er\u00f6ffne nahtlos das neue Altersvorsorgedepot im Januar 2027.<\/p>\n    <a href=\"https:\/\/mein.finanzen-zero.net\/depot-eroeffnen\/registrieren\" class=\"btn-cta\">\n      Depot er\u00f6ffnen\n      <span class=\"btn-circle\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\n    <\/a>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29519798 elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"29519798\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4dcf63da\" data-id=\"4dcf63da\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3615dd72 elementor-widget elementor-widget-html\" data-id=\"3615dd72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- \u2550\u2550\u2550 ANMELDEN \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\r\n<section id=\"anmelden\" style=\"background:var(--off-white);padding:80px clamp(24px,8vw,120px);display:flex;flex-direction:column;align-items:center;gap:24px;text-align:center;\">\r\n  <h2 >Jetzt f\u00fcr das Altersvorsorgedepot anmelden<\/h2>\r\n  <p style=\"font-size:20px;font-weight:500;line-height:1.6;color:var(--muted);max-width:600px;\">Trag Dich ein und wir informieren Dich, sobald das Altersvorsorgedepot bei ZERO startet.<\/p>\r\n  <div class=\"sib-form\" style=\"text-align:center; background-color:transparent;\">\r\n    <div id=\"sib-form-container\" class=\"sib-form-container\">\r\n      <div id=\"error-message\" class=\"sib-form-message-panel\" style=\"font-size:16px; text-align:left; font-family:'Plus Jakarta Sans', sans-serif; color:#661d1d; background-color:#ffeded; border-radius:3px; border-color:#ff4949;max-width:540px;\">\r\n        <div class=\"sib-form-message-panel__text sib-form-message-panel__text--center\">\r\n          <svg viewBox=\"0 0 512 512\" class=\"sib-icon sib-notification__icon\">\r\n            <path d=\"M256 40c118.621 0 216 96.075 216 216 0 119.291-96.61 216-216 216-119.244 0-216-96.562-216-216 0-119.203 96.602-216 216-216m0-32C119.043 8 8 119.083 8 256c0 136.997 111.043 248 248 248s248-111.003 248-248C504 119.083 392.957 8 256 8zm-11.49 120h22.979c6.823 0 12.274 5.682 11.99 12.5l-7 168c-.268 6.428-5.556 11.5-11.99 11.5h-8.979c-6.433 0-11.722-5.073-11.99-11.5l-7-168c-.283-6.818 5.167-12.5 11.99-12.5zM256 340c-15.464 0-28 12.536-28 28s12.536 28 28 28 28-12.536 28-28-12.536-28-28-28z\" \/>\r\n          <\/svg>\r\n          <span class=\"sib-form-message-panel__inner-text\">Deine Anmeldung konnte nicht gespeichert werden<\/span>\r\n        <\/div>\r\n      <\/div>\r\n      <div><\/div>\r\n      <div id=\"success-message\" class=\"sib-form-message-panel\" style=\"font-size:16px; text-align:left; font-family:'Plus Jakarta Sans', sans-serif; color:#085229; background-color:#e7faf0; border-radius:3px; border-color:#13ce66;max-width:540px;\">\r\n        <div class=\"sib-form-message-panel__text sib-form-message-panel__text--center\">\r\n          <svg viewBox=\"0 0 512 512\" class=\"sib-icon sib-notification__icon\">\r\n            <path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 464c-118.664 0-216-96.055-216-216 0-118.663 96.055-216 216-216 118.664 0 216 96.055 216 216 0 118.663-96.055 216-216 216zm141.63-274.961L217.15 376.071c-4.705 4.667-12.303 4.637-16.97-.068l-85.878-86.572c-4.667-4.705-4.637-12.303.068-16.97l8.52-8.451c4.705-4.667 12.303-4.637 16.97.068l68.976 69.533 163.441-162.13c4.705-4.667 12.303-4.637 16.97.068l8.451 8.52c4.668 4.705 4.637 12.303-.068 16.97z\" \/>\r\n          <\/svg>\r\n          <span class=\"sib-form-message-panel__inner-text\">Deine Anmeldung war erfolgreich<\/span>\r\n        <\/div>\r\n      <\/div>\r\n      <div><\/div>\r\n      <div id=\"sib-container\" class=\"sib-container--large sib-container--vertical\" style=\"text-align:center; background-color:rgba(252,250,251,1); max-width:540px; border-radius:3px; border-width:1px; border-color:#fcfafb; border-style:solid; direction:ltr\">\r\n        <form id=\"sib-form\" method=\"POST\" action=\"https:\/\/84e6d0bd.sibforms.com\/serve\/MUIFACqqzJBWetPZDHmXquuL6Mk7yEV0OMxkw3sZFzFgK7omnCwiW64wPZbqcoU4gYh2A0AEauOfPlZ5xjcajC_DgdPU4hlvSwIExoNyZ9pYn6JIspefKysVUCQyuR-5SKL43C5QzR_CmElFUhX01GxZ_EWPc3YwD1kVVhET0NOn58ZFo8c57jiDR7ZbWsqFQxK_gSStkvCqWMvy\" data-type=\"subscription\">\r\n\r\n          <!-- Riester-\u00dcbertragung (optional) -->\r\n          <div style=\"padding: 8px 0;\">\r\n            <div class=\"sib-optin sib-form-block\">\r\n              <div class=\"form__entry entry_mcq\">\r\n                <div class=\"form__label-row \">\r\n                  <div class=\"entry__choice\">\r\n                    <label>\r\n                      <input type=\"checkbox\" class=\"input_replaced\" value=\"1\" id=\"JANEIN\" name=\"JANEIN\"  \/>\r\n                      <span class=\"checkbox checkbox_tick_positive\"><\/span><span style=\"font-size:14px; text-align:left; font-family:'Plus Jakarta Sans', sans-serif; color:#0c0c0d; background-color:transparent;\"><p>Ich m\u00f6chte meine Riester-Rente ins Altersvorsorgedepot \u00fcbertragen<\/p><\/span>\r\n                    <\/label>\r\n                  <\/div>\r\n                <\/div>\r\n                <label class=\"entry__error entry__error--primary\" style=\"font-size:16px; text-align:left; font-family:'Plus Jakarta Sans', sans-serif; color:#661d1d; background-color:#ffeded; border-radius:3px; border-color:#ff4949;\"><\/label>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <!-- NEU: Datenschutz-Einwilligung (Pflichtfeld) -->\r\n          <div style=\"padding: 8px 0;\">\r\n            <div class=\"sib-optin sib-form-block\" data-required=\"true\">\r\n              <div class=\"form__entry entry_mcq\">\r\n                <div class=\"form__label-row \">\r\n                  <div class=\"entry__choice\">\r\n                    <label>\r\n                      <input type=\"checkbox\" class=\"input_replaced\" value=\"1\" id=\"OPT_IN\" name=\"OPT_IN\" required \/>\r\n                      <span class=\"checkbox checkbox_tick_positive\"><\/span><span style=\"font-size:14px; text-align:left; font-family:'Plus Jakarta Sans', sans-serif; color:#0c0c0d; background-color:transparent;\"><p>Ich akzeptiere die <a href=\"https:\/\/zero-landingpage.finanzen.net\/datenschutz\/\" target=\"_blank\" rel=\"nofollow noopener\">Datenschutzerkl\u00e4rung<\/a>.<\/p><span data-required=\"*\" style=\"display: inline;\" class=\"entry__label entry__label_optin\"><\/span><\/span>\r\n                    <\/label>\r\n                  <\/div>\r\n                <\/div>\r\n                <label class=\"entry__error entry__error--primary\" style=\"font-size:16px; text-align:left; font-family:'Plus Jakarta Sans', sans-serif; color:#661d1d; background-color:#ffeded; border-radius:3px; border-color:#ff4949;\"><\/label>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div style=\"padding: 8px 0;\">\r\n            <div class=\"sib-input sib-form-block\">\r\n              <div class=\"form__entry entry_block\">\r\n                <div class=\"form__label-row \">\r\n                  <label class=\"entry__label\" style=\"font-weight:700; text-align:left; font-size:16px; font-family:'Plus Jakarta Sans', sans-serif; color:#251f1f;\" for=\"EMAIL\" data-required=\"*\">Trage hier Deine E-Mail Adresse ein:<\/label>\r\n                  <div class=\"entry__field\">\r\n                    <input class=\"input\" type=\"text\" id=\"EMAIL\" name=\"EMAIL\" autocomplete=\"off\" placeholder=\"Email\" data-required=\"true\" required \/>\r\n                  <\/div>\r\n                <\/div>\r\n                <label class=\"entry__error entry__error--primary\" style=\"font-size:16px; text-align:left; font-family:'Plus Jakarta Sans', sans-serif; color:#661d1d; background-color:#ffeded; border-radius:3px; border-color:#ff4949;\"><\/label>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n          <div style=\"padding: 8px 0;\">\r\n            <div class=\"sib-form-block\" style=\"text-align:center\">\r\n              <button class=\"sib-form-block__button sib-form-block__button-with-loader\" style=\"font-size:16px; text-align:center; font-weight:700; font-family:'Plus Jakarta Sans', sans-serif; color:#FFFFFF; background-color:#FF1C7C; border-width:0px;\" form=\"sib-form\" type=\"submit\">\r\n                <svg class=\"icon clickable__icon progress-indicator__icon sib-hide-loader-icon\" viewBox=\"0 0 512 512\">\r\n                  <path d=\"M460.116 373.846l-20.823-12.022c-5.541-3.199-7.54-10.159-4.663-15.874 30.137-59.886 28.343-131.652-5.386-189.946-33.641-58.394-94.896-95.833-161.827-99.676C261.028 55.961 256 50.751 256 44.352V20.309c0-6.904 5.808-12.337 12.703-11.982 83.556 4.306 160.163 50.864 202.11 123.677 42.063 72.696 44.079 162.316 6.031 236.832-3.14 6.148-10.75 8.461-16.728 5.01z\" \/>\r\n                <\/svg>\r\n                Vormerken\r\n              <\/button>\r\n            <\/div>\r\n          <\/div>\r\n          <input type=\"text\" name=\"email_address_check\" value=\"\" class=\"input--hidden\">\r\n          <input type=\"hidden\" name=\"locale\" value=\"en\">\r\n        <\/form>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<script>\r\n  window.REQUIRED_CODE_ERROR_MESSAGE = 'Please choose a country code';\r\n  window.LOCALE = 'en';\r\n  window.EMAIL_INVALID_MESSAGE = window.SMS_INVALID_MESSAGE = \"Die von Dir angegebenen Daten waren leider ung\u00fcltig.\";\r\n  window.REQUIRED_ERROR_MESSAGE = \"Das ist ein Pflichtfeld \";\r\n  window.GENERIC_INVALID_MESSAGE = \"Die von Dir angegebenen Daten waren leider ung\u00fcltig.\";\r\n  window.translation = { common: { selectedList: '{quantity} list selected', selectedLists: '{quantity} lists selected', selectedOption: '{quantity} selected', selectedOptions: '{quantity} selected' } };\r\n  var AUTOHIDE = Boolean(0);\r\n<\/script>\r\n<script defer src=\"https:\/\/sibforms.com\/forms\/end-form\/build\/main.js\"><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Bis zu 540 \u20ac vom Staat \u2013 jedes Jahr. F\u00fcr Deine Rente. Kein Versicherungsmantel, keine versteckten Kosten. Das neue Altersvorsorgedepot ist Riester-Nachfolger mit voller Marktrendite \u2013 geb\u00fchrenfrei bei ZERO, dem Broker von finanzen.net. F\u00fcr Warteliste anmelden Depot er\u00f6ffnen Altersvorsorgedepot Ab Januar 2027 investierst Du staatlich gef\u00f6rdert direkt in ETFs \u2013 mit voller Marktrendite und steuerfreiem [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":32523,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-24685","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Altersvorsorgedepot<\/title>\n<meta name=\"robots\" content=\"index, nofollow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finanzen.net\/zero\/altersvorsorgedepot\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Altersvorsorgedepot\" \/>\n<meta property=\"og:description\" content=\"Bis zu 540 \u20ac vom Staat \u2013 jedes Jahr. F\u00fcr Deine Rente. Kein Versicherungsmantel, keine versteckten Kosten. Das neue Altersvorsorgedepot ist Riester-Nachfolger mit voller Marktrendite \u2013 geb\u00fchrenfrei bei ZERO, dem Broker von finanzen.net. 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