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Onboarding
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Altersvorsorgedepot 2027: Is your tech stack ready?
Altersvorsorgedepot 2027: Is your tech stack ready?
Altersvorsorgedepot 2027: Is your tech stack ready?
Altersvorsorgedepot 2027: Is your tech stack ready?
The Altersvorsorgedepot creates a completely new product category. 16 million Riester contracts can be switched. fincite • cios prepares your institution for 01.01.2027.
The Retirement Provision Reform Act creates a completely new product category. 16 million Riester contracts can be switched. fincite • cios prepares your institution for 01.01.2027.
The Retirement Provision Reform Act creates a completely new product category. 16 million Riester contracts can be switched. fincite • cios prepares your institution for 01.01.2027.
Digital asset management with
fincite • cios. The all-in-one software
for advisors.
What is the Altersvorsorgedepot and why does it matter for your institute?
What is the Altersvorsorgedepot and why does it matter for your institute?
What is the Altersvorsorgedepot and why does it matter for your institute?
From 1 January 2027, financial institutions can offer the new retirement savings depot, and from that date, no more traditional Riester contracts can be concluded.
The Altersvorsorgedepot replaces the old Riester pension with a modern, capital market-based product category: ETFs, stocks, and active funds will be eligible for the first time. Around 16 million existing Riester contracts can voluntarily switch to the new retirement savings depot.
For institutions, this means: Whoever has a market-ready solution on 1 January 2027 secures access to a billion-euro market.
From 1 January 2027, financial institutions can offer the new retirement savings depot, and from that date, no more traditional Riester contracts can be concluded.
The retirement savings depot replaces the old Riester pension with a modern, capital market-based product category: ETFs, stocks, and active funds will be eligible for the first time. Around 16 million existing Riester contracts can voluntarily switch to the new retirement savings depot.
For institutions, this means: Whoever has a market-ready solution on 1 January 2027 secures access to a billion-euro market.
From 1 January 2027, financial institutions can offer the new retirement savings depot, and from that date, no more traditional Riester contracts can be concluded.
The retirement savings depot replaces the old Riester pension with a modern, capital market-based product category: ETFs, stocks, and active funds will be eligible for the first time. Around 16 million existing Riester contracts can voluntarily switch to the new retirement savings depot.
For institutions, this means: Whoever has a market-ready solution on 1 January 2027 secures access to a billion-euro market.
The market potential of the Altersvorsorgedepot
The market potential of the Altersvorsorgedepot
Das Marktpotenzial des Altersvorsorgedepots
For retail banks, the retirement savings account is a strategic opportunity to engage young target groups in the topic of wealth building.
For retail banks, the retirement savings account is a strategic opportunity to engage young target groups in the topic of wealth building.
V/S
Current situation
~16 million Riester contracts in low-yield products
Millions in untapped savings potential
Young target groups were never accessible to Riester
Low level of digital self-service in retirement provision
V/S
Chances for institutions
Potential for reallocation to products with high AuM
AuM growth through new savings plans
Cross-selling: securities account + advice + call money
Self-service touchpoints for digital channels
What the technical implementation of the retirement savings account requires
What the technical implementation of the retirement savings account requires
What the technical implementation of the retirement savings account requires
The retirement savings depot is no longer a standard depot.
Each of these requirements is a project in its own right. Together they require a finished platform.
The retirement provision depot is no longer a standard depot.
Each of these requirements is a project in its own right. Together, they require a complete platform.
End-to-End-Onboarding
End-to-End-Onboarding
End-to-End-Onboarding
WpHG/MiFID II-konformes Profiling und Geeignetheitsprüfung. Digital, nicht papierbasiert.
WpHG/MiFID II-konformes Profiling und Geeignetheitsprüfung. Digital, nicht papierbasiert.
WpHG/MiFID II-konformes Profiling und Geeignetheitsprüfung. Digital, nicht papierbasiert.
Manuelle und automatische Bewertung von Aktiva und Passiva (Portfolios, Immobilien, Krypto, u.v.m.).
Standardprodukt-Pflicht
Standardprodukt-Pflicht
Standardprodukt-Pflicht
Pension savings depot configurable with a maximum of 1.5% total costs. Legal obligation from day 1.
Pension savings depot configurable with a maximum of 1.5% total costs. Legal obligation from day 1.
Pension savings depot configurable with a maximum of 1.5% total costs. Legal obligation from day 1.
KYC, eID und mehr
KYC, eID und mehr
KYC, eID und mehr
Completely paperless closures for the retirement savings depot from authentication to contract.
Completely paperless closures for the retirement savings depot from authentication to contract.
Completely paperless closures for the retirement savings depot from authentication to contract.
Mobile-First & Self-Service
Mobile-First & Self-Service
Mobile-First & Self-Service
Mobile-First & Self-Service
The retirement savings depot targets new audiences; they expect digital channels.
The retirement savings depot targets new audiences; they expect digital channels.
The retirement savings depot targets new audiences; they expect digital channels.
Compliance-Dokumentation
Compliance-Dokumentation
Compliance-Dokumentation
PIB, regulatorische Berichte, Jahreskontoauszüge out-of-the-box.
PIB, regulatorische Berichte, Jahreskontoauszüge out-of-the-box.
Depotbank-Anbindung
Schnittstellen zu Depotbanken und ZfA-Meldewesen für Zulagen und Steuerreporting.
Schnittstellen zu Depotbanken und ZfA-Meldewesen für Zulagen und Steuerreporting.
Schnittstellen zu Depotbanken und ZfA-Meldewesen für Zulagen und Steuerreporting.
Any questions about the Altersvorsorgedepot?
Dennis Ritter, our expert in retirement planning, helps you ask the right questions from product strategy to platform decisions.
100% SaaS
100% Modular
Top-notch UX
Any questions about the retirement savings account?
Dennis Ritter, our expert in retirement planning, helps you ask the right questions. From product strategy to platform decisions.
100% SaaS
100% Modular
Top-notch UX
Any questions about the retirement savings account?
Dennis Ritter, our expert in retirement planning, helps you ask the right questions from product strategy to platform decisions.
100% SaaS
100% Modular
Top-notch UX
Any questions about the retirement savings account?
Dennis Ritter, our expert in retirement planning, helps you ask the right questions from product strategy to platform decisions.
100% SaaS
100% Modular
Top-notch UX
Why banks rely on fincite • cios for Riester-Rente 2.0
Why banks rely on fincite • cios for Riester-Rente 2.0
Why banks rely on fincite • cios for Riester-Rente 2.0
So that you are not stuck in the implementation phase on January 1, 2027.
So that you are not stuck in the implementation phase on January 1, 2027.
Regulatory from day 1
Regulatory from day 1
Regulatory from day 1
MiFID II, WpHG, GDPR configured for the retirement savings depot and out-of-the-box.
MiFID II, WpHG, GDPR configured for the retirement savings depot and out-of-the-box.
Time-to-market
Time-to-market
Time-to-market
End-to-end journeys for the AVD in a matter of months, not years.
End-to-end journeys for the AVD in a matter of months, not years.
Open architecture
Open architecture
Open architecture
API-first, compatible with existing core banking systems.
API-first, compatible with existing core banking systems.
SaaS model without risks
SaaS model without risks
SaaS model without risks
No seven-figure setup investments and predictable costs right from the start.
No seven-figure setup investments and predictable costs right from the start.
93%
93%
93%
Customer satisfaction
Customer satisfaction
630k+
630k+
630k+
end customers
end customers
83%
83%
83%
Cost savings
Cost savings
9k+
9k+
9k+
Financial advisor
Financial advisor
Frequently asked questions
Frequently Asked Questions
What does the retirement provision depot mean for banks and financial institutions?
A completely new product category with significant market potential is emerging for banks and financial institutions. Around 16 million existing Riester contracts can voluntarily switch to the new retirement savings depot. Institutions need a fully digital, regulatory-compliant platform by 1 January 2027. Whoever goes live first secures long-term customer relationships and AuM growth.
When does the retirement savings account start?
Which features are available?
How long does the implementation of a retirement savings account take?
How does fincite • cios support compliance?
How does fincite • cios compare to other wealth management software?
What does the retirement provision depot mean for banks and financial institutions?
A completely new product category with significant market potential is emerging for banks and financial institutions. Around 16 million existing Riester contracts can voluntarily switch to the new retirement savings depot. Institutions need a fully digital, regulatory-compliant platform by 1 January 2027. Whoever goes live first secures long-term customer relationships and AuM growth.
When does the retirement savings account start?
Which features are available?
How long does the implementation of a retirement savings account take?
How does fincite • cios support compliance?
How does fincite • cios compare to other wealth management software?
Fincite GmbH
Franklinstr. 52
60486 Frankfurt
Wealth management/
Financial planning
Modular wealth
management software
Features fincite • cios
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Fincite GmbH
Franklinstr. 52
60486 Frankfurt
Wealth Management / Financial Planning
Modular wealth
management software
Features fincite • cios
Follow us on:
Fincite GmbH
Franklinstr. 52
60486 Frankfurt
Wealth management/
Financial planning
Modular wealth
management software
Features fincite • cios
Follow us on:
Fincite GmbH
Franklinstr. 52
60486 Frankfurt
Wealth management/
Financial planning
Modular wealth
management software
Features fincite • cios
Follow us on:
Fincite GmbH
Franklinstr. 52
60486 Frankfurt
Wealth management/
Financial planning
Modular wealth
management software
Features fincite • cios
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