Use Case · Altersvorsorgedepot
The Altersvorsorgedepot needs data. We deliver it
wealthAPI specialises in wealth data, with connections to more than 3,500 banks and brokers. We give Altersvorsorgedepot (AVD) providers a complete picture of their customers’ finances.
The problem
No full picture, no convincing retirement plan.
The Altersvorsorgedepot (AVD) creates a new product category and a willingness to switch across millions of existing contracts. Good retirement advice needs two things that are usually missing today: an overview of total wealth and a clear target picture for retirement.
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No view of total wealth
Accounts, securities accounts, savings plans and pension contracts are spread across different banks, brokers and insurers. Without a Portfolio Tracker covering all institutions, it stays invisible what customers already own and how much could be moved into the AVD.
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Pension gap based on estimates
How much will really be missing in retirement? Calculators ask for figures hardly any saver knows: balances, contributions, state allowances, effective costs. Without real wealth data, the pension gap remains an estimate, and no switch is convincing.
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No scenarios, no decision
What difference does a higher savings rate, an earlier start or a switch to the AVD make? Without scenario analysis, there is no basis for comparing the options in tangible terms.
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Customer activation
With savings rates expected to be low, typical savings plans become expensive for brokers, while customers remain largely inactive. A Portfolio Tracker with upsell options such as product recommendations can help monetise new AVD customers.
How it works
One integration. We stay in the background.
wealthAPI works as the data layer beneath your Altersvorsorgedepot (AVD) product. Your brand, your customer relationship, one shared data foundation.
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Integrate
A single API integration gives you access to more than 3,500 institutions.
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Connect
Customers link their bank and securities accounts within your flow.
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Analyse
Holdings, switching potential, costs, taxes and risk classes as data.
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Activate
Your AVD offering reaches the right prospects with the right arguments.
See where the assets really are.
Holdings and investment behaviour at other brokers, aggregated and comparable. So you can see how much invested capital could be shifted.
- Free capital in current and instant-access savings accounts, ready to mobilise for the AVD
- Existing retirement provision - Riester, Rürup, occupational (bAV) and private pensions
- Life and pension insurance as part of the overall picture
The data foundation
The real lever for precision is data quality.
More than 3,500 banks and brokers are already connected. wealthAPI delivers the data structured and in real time - instead of estimates from savers’ memory.
Data sources
- Banks - current accounts, savings, securities accounts
- Brokers - securities accounts, savings plans, transactions
- Insurers - pension, life & retirement products
- Instrument data - prices, costs, risk classes
One data layer for your AVD
- Structured
- Real-time
- Neutral - no securities account of our own
One integration - a complete view of securities accounts, contracts and free capital.
Outcome
- Holdings & free capital
- Switching potential
- Fees & taxes
- ETF risk classes
Detect existing contracts
Detect, assess and switch Riester contracts.
We identify existing pension contracts in your prospects’ holdings and calculate, case by case, whether switching to the Altersvorsorgedepot (AVD) pays off for your customer.
Detect
Riester, Rürup and other pension contracts across all connected accounts.
Assess
Costs, returns and guarantees of the existing contract made transparent.
Compare
Does switching to the AVD pay off? A clear result for every customer.
- Effective costs p.a.
- 1.9%
- Costs in the AVD
- 0.4%
- Gain until retirement*
- + €11,800
- Freely investableCurrent & savings accounts
- Pension productsRiester, Rürup, occupational (bAV)
- InsuranceLife & annuity policies
- External securities accountsSavings plans & history
* Model calculation based on aggregated holdings data. Illustrative example.
Compare contracts
The AVD comparison calculator.
We have built the decision logic that every Altersvorsorgedepot (AVD) offer needs - and run it on real holdings data instead of estimates.
A decision, not just a comparison
Five courses of action are assessed and ranked - not just “AVD or existing contract”.
Real lifetime value
Results in today’s euros, including the payout phase, taxes and switching costs.
Openly verifiable
Common reference models are replicated and shown side by side on equal terms.
Fully customisable
A white-label solution, tailored to your data and requirements.
Complete decision framework
Five courses of action instead of two - including “switch the subsidy, keep the contract”, the option that standard calculators miss.
Direct, indirect or no subsidy eligibility is derived from employment status - including for the self-employed and members of professional pension schemes (Versorgungswerke).
Tax formula under § 32a EStG with all progression zones, joint assessment for married couples and a genuine most-favourable-treatment test under § 10a EStG.
Withdrawal plan up to life expectancy, deferred taxation, adjusted for inflation - the result is a real lifetime value.
Payout ages differ: Riester before 2012 from 60, from 2012 onwards from 62, AVD from 65. Switching shifts when the capital becomes available.
Capped transfer costs and the clawback of subsidies and tax benefits are factored into the calculation.
Income growth, expiring child allowances and the advance lump-sum tax (Vorabpauschale) on the ETF path are projected over the full term.
Housing subsidy accounts (Wohnförderkonto), guaranteed interest rates before 2012 or short remaining terms are flagged explicitly as warnings, not glossed over in the calculation.
ETF risk classes · Regulatory scale 1–7
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- Government bond ETF (EUR)short duration2
- Global equity ETFbroadly diversified5
- Emerging markets ETFdeveloping economies6
Assigned automatically and traceably - in line with the regulatory requirements for the AVD.
Fees & taxes, fully documented
Fees
- Effective costs (TER, acquisition, administration) per product
- Existing contract vs. AVD over the full term
- Cost metrics per security
Taxes
- Metrics on income and gains
- Subsidies and tax treatment in the AVD
- Transparent and traceable for your customers
For your clients
One dataset, four perspectives.
Bank, broker, insurer or sales organisation: the same data layer makes your Altersvorsorgedepot (AVD) offering hit the mark.
Deepen client relationships
You know your clients, but not the assets they hold at other institutions. wealthAPI fills in the missing picture and shows who will really benefit from the AVD.
- Available capital
- External securities accounts
- Existing retirement provision
Trigger portfolio transfers
See where investment assets are held today and make the case for a transfer into your own AVD with verifiable figures.
- Portfolio volume per institution
- Savings plans
- Transaction history
Put retirement provision in context
Identify existing life and pension insurance policies and position the AVD as a meaningful addition, not a replacement.
- Riester & Rürup
- Occupational pension (bAV) & private pension
- Life insurance
Make advice verifiable
Every conversation backed by figures on costs, taxes and the benefit of switching, documented in a liability-proof, traceable way.
- Effective costs
- Tax impact
- Benefit until retirement
Advisor perspective
Why this is the right approach for financial advisors.
Public calculators deliver a gut feeling or a solid comparison. It only becomes advice-ready once it turns into a recommendation the advisor can stand behind.
The only calculator that turns a comparison of figures into an advice-ready, liability-proof recommendation.
An advisor advises
They need the full range of options with a recommendation, not just two options to compare.
The number the client actually feels
Real, after tax, monthly, not a gross amount forty years from now.
Liability-proof
Exact tax logic, a real payout phase and active warnings for special cases.
Trust as a moat
The well-known public reference calculators are available online. Put us to the test.
Why now
The willingness to switch is building now.
With the new German state-subsidised retirement account (Altersvorsorgedepot, AVD), millions of existing contracts are being reassessed. Whoever knows their prospects' existing holdings wins the switches.
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15M
existing Riester contracts
A large share of them are suitable for switching, as soon as the comparison adds up.
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3,500+
connected banks & brokers
We see holdings wherever your prospects' assets are held today.
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1
data layer for your AVD
One integration, a complete view of securities accounts, contracts and available capital.
What we don't do
- No white-label securities account of our own
- No competing for your end customers
- No asset management of our own
What we deliver
- A complete view of securities accounts, contracts and accounts
- Valuation, comparison and switching potential
- Fees, taxes and ETF risk classes as clean data
When it comes to the retirement pension depot, the winner is the one with the best database
Read the in-depth thought leadership article by our Chief Growth Officer, Susanne Krehl, now.
Ready for an offer?
Then contact our sales team directly.
After submitting this contact form, our sales team will contact you as soon as possible and send you an offer presentation by email.