Everything on Subsidy Structure

The AVD provides a guaranteed 30% return on the first 1,800 EUR contributed annually through state subsidies. This acts as a risk-free initial boost to the portfolio.

Impact: Increases the attractiveness of retirement investing for low and middle-income earners by reducing the effective entry cost.

— from Germany's New AVD: 540 Euro Annual State Subsidy · Deffner und Zschäpitz – Der Wirtschafts-Talk von WELT· Oct 13, 2026