{"id":8181,"date":"2026-09-29T12:04:37","date_gmt":"2026-09-29T10:04:37","guid":{"rendered":"https:\/\/wealthapi.eu\/?page_id=8181"},"modified":"2026-09-30T12:37:54","modified_gmt":"2026-09-30T10:37:54","slug":"retirement-savings-account","status":"publish","type":"page","link":"https:\/\/wealthapi.eu\/en\/retirement-savings-account\/","title":{"rendered":"Retirement Savings Account"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;105432&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;935573&#8243;]<div class=\"wa-section-host\" data-section=\"uc-avd-hero-en\" style=\"contain:layout paint;\"><section class=\"wa-section wa-uc-avd-hero-en\" aria-labelledby=\"wa-uc-avd-hero-en-title\">\n<style>\n\/* \u2500\u2500 Use Case AVD - Hero (light, centered) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-avd-hero-en {\n  position: relative;\n  overflow: hidden;\n  text-align: center;\n  color: var(--wa-ink);\n  line-height: 1.5;\n  background:\n    radial-gradient(120% 80% at 50% -26%, color-mix(in srgb, var(--wa-violet) 13%, transparent) 0%, transparent 60%),\n    var(--wa-white);\n}\n.wa-uc-avd-hero-en .avh-inner {\n  max-width: 1162px;\n  margin: 0 auto;\n  padding: 96px 48px;\n}\n.wa-uc-avd-hero-en .avh-in {\n  max-width: 880px;\n  margin: 0 auto;\n}\n\n\/* \u2500\u2500 Eyebrow \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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.wa-uc-avd-hero-en p.avh-eyebrow {\n  display: inline-flex;\n  align-items: center;\n  gap: 9px;\n  font-size: 12px;\n  font-weight: 600;\n  letter-spacing: .16em;\n  text-transform: uppercase;\n  color: var(--wa-violet-deep);\n}\n.wa-uc-avd-hero-en .avh-dot {\n  position: relative;\n  flex: none;\n  width: 7px;\n  height: 7px;\n  border-radius: 50%;\n  background: var(--wa-violet);\n  box-shadow: 0 0 0 4px color-mix(in srgb, var(--wa-violet) 18%, transparent);\n}\n.wa-uc-avd-hero-en .avh-dot::after {\n  content: \"\";\n  position: absolute;\n  inset: 0;\n  border-radius: 50%;\n  background: var(--wa-violet);\n  animation: avh-dot-pulse 2s cubic-bezier(.2,.6,.3,1) infinite;\n}\n@keyframes avh-dot-pulse {\n  0%   { transform: scale(1); 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}\n}\n@media (max-width: 767px) {\n  .wa-uc-avd-hero-en .avh-inner { padding: 48px 20px; }\n  .wa-uc-avd-hero-en a.avh-btn { width: 100%; }\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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@media (prefers-reduced-motion: reduce) {\n  .wa-uc-avd-hero-en .avh-dot::after { animation: none; opacity: 0; }\n  .wa-uc-avd-hero-en span.avh-hl { animation: none; }\n  .wa-uc-avd-hero-en a.avh-btn,\n  .wa-uc-avd-hero-en a.avh-btn svg { transition: none; }\n}\n<\/style>\n\n<div class=\"avh-inner\">\n  <div class=\"avh-in\">\n    <p class=\"avh-eyebrow\"><span class=\"avh-dot\" aria-hidden=\"true\"><\/span>Use Case \u00b7 Altersvorsorgedepot<\/p>\n    <h1 class=\"avh-title\" id=\"wa-uc-avd-hero-en-title\">The Altersvorsorgedepot needs data. <span class=\"avh-hl\">We deliver it<\/span><\/h1>\n    <p class=\"avh-sub\">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\u2019 finances.<\/p>\n    <div class=\"avh-ctas\">\n      <a class=\"avh-btn avh-btn--primary\" href=\"https:\/\/wealthapi.eu\/en\/#kontakt\">Book a demo <svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/a>\n      <a class=\"avh-btn avh-btn--ghost\" href=\"#inventory\" data-avh-scroll>See the holdings analysis<\/a>\n    <\/div>\n    <ul class=\"avh-meta\" aria-label=\"Target groups\">\n      <li class=\"avh-meta__item\"><span class=\"avh-meta__dot\" aria-hidden=\"true\"><\/span>For banks<\/li>\n      <li class=\"avh-meta__item\"><span class=\"avh-meta__dot\" aria-hidden=\"true\"><\/span>Brokers<\/li>\n      <li class=\"avh-meta__item\"><span class=\"avh-meta__dot\" aria-hidden=\"true\"><\/span>Insurers<\/li>\n      <li class=\"avh-meta__item\"><span class=\"avh-meta__dot\" aria-hidden=\"true\"><\/span>Sales organisations<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var links = document.querySelectorAll('.wa-uc-avd-hero-en [data-avh-scroll]');\n  if (!links.length) return;\n  Array.prototype.forEach.call(links, function (link) { link.addEventListener('click', function (e) {\n    var target = document.getElementById('inventory');\n    if (!target) return;\n    e.preventDefault();\n    var reduce = window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches;\n    target.scrollIntoView({ behavior: reduce ? 'auto' : 'smooth', block: 'start' });\n    if (history.replaceState) history.replaceState(null, '', '#inventory');\n  }); });\n})();\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Service\",\n  \"name\": \"wealthAPI for Altersvorsorgedepot (AVD) providers\",\n  \"description\": \"wealthAPI specialises in wealth data, with connections to more than 3,500 banks and brokers. AVD providers get a complete picture of their customers\u2019 finances.\",\n  \"serviceType\": \"Wealth data aggregation for the Altersvorsorgedepot (AVD)\",\n  \"provider\": { \"@type\": \"Organization\", \"name\": \"wealthAPI\", \"url\": \"https:\/\/wealthapi.eu\" },\n  \"areaServed\": { \"@type\": \"Country\", \"name\": \"DE\" },\n  \"audience\": { \"@type\": \"BusinessAudience\", \"audienceType\": \"Banks, brokers, insurers, sales organisations\" },\n  \"inLanguage\": \"en\",\n  \"url\": \"https:\/\/wealthapi.eu\/en\/\"\n}\n<\/script>\n<\/section>\n<\/div>[\/vc_column_text][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;105432&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;664972&#8243;]<div class=\"wa-section-host\" data-section=\"uc-avd-problem-en\" style=\"contain:layout paint;\"><section class=\"wa-section wa-uc-avd-problem-en\" aria-labelledby=\"wa-uc-avd-problem-en-title\">\n<style>\n\/* \u2500\u2500 Use Case AVD - The problem (cool surface, 2\u00d72 cards) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.wa-uc-avd-problem-en {\n  position: relative;\n  overflow: hidden;\n  isolation: isolate;\n  color: var(--wa-ink);\n  line-height: 1.5;\n  background: var(--wa-bg-cool);\n}\n.wa-uc-avd-problem-en::before,\n.wa-uc-avd-problem-en::after {\n  content: \"\";\n  position: absolute;\n  z-index: -1;\n  border-radius: 50%;\n  pointer-events: none;\n  filter: blur(50px);\n}\n.wa-uc-avd-problem-en::before {\n  width: 55%; 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}\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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@media (prefers-reduced-motion: reduce) {\n  .wa-uc-avd-problem-en::before,\n  .wa-uc-avd-problem-en::after { animation: none; }\n  .wa-uc-avd-problem-en li.avp-card { transition: none; }\n  .wa-uc-avd-problem-en.is-reveal .avp-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"avp-inner\">\n  <header class=\"avp-head avp-rev\">\n    <p class=\"avp-eyebrow\"><span class=\"avp-dot\" aria-hidden=\"true\"><\/span>The problem<\/p>\n    <h2 class=\"avp-title\" id=\"wa-uc-avd-problem-en-title\">No full picture, no convincing retirement plan.<\/h2>\n    <p class=\"avp-lead\">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.<\/p>\n  <\/header>\n\n  <ul class=\"avp-cards avp-rev\">\n    <li class=\"avp-card\">\n      <div class=\"avp-card__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M3 7h18v12a2 2 0 01-2 2H5a2 2 0 01-2-2V7zM3 7l2-4h14l2 4M16 13h2\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\n      <h3 class=\"avp-card__title\">No view of total wealth<\/h3>\n      <p class=\"avp-card__text\">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.<\/p>\n    <\/li>\n    <li class=\"avp-card\">\n      <div class=\"avp-card__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 3a9 9 0 100 18 9 9 0 000-18zM12 8a4 4 0 100 8 4 4 0 000-8zM12 11.5a.5.5 0 100 1 .5.5 0 000-1z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\n      <h3 class=\"avp-card__title\">Pension gap based on estimates<\/h3>\n      <p class=\"avp-card__text\">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.<\/p>\n    <\/li>\n    <li class=\"avp-card\">\n      <div class=\"avp-card__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 3v12M6 15a3 3 0 100 6 3 3 0 000-6zM18 3a3 3 0 100 6 3 3 0 000-6zM18 9c0 4-6 3-12 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\n      <h3 class=\"avp-card__title\">No scenarios, no decision<\/h3>\n      <p class=\"avp-card__text\">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.<\/p>\n    <\/li>\n    <li class=\"avp-card\">\n      <div class=\"avp-card__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M3 17l5-5 4 3 5-7 4 4M3 21h18\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\n      <h3 class=\"avp-card__title\">Customer activation<\/h3>\n      <p class=\"avp-card__text\">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.<\/p>\n    <\/li>\n  <\/ul>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var roots = document.querySelectorAll('.wa-uc-avd-problem-en');\n  if (!roots.length) return;\n  if (!('IntersectionObserver' in window)) return;\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\n  var io = new IntersectionObserver(function (entries) {\n    entries.forEach(function (e) {\n      if (e.isIntersecting) { e.target.classList.add('is-in'); io.unobserve(e.target); }\n    });\n  }, { threshold: .1, rootMargin: '0px 0px -6% 0px' });\n  Array.prototype.forEach.call(roots, function (root) {\n    root.classList.add('is-reveal');\n    Array.prototype.forEach.call(root.querySelectorAll('.avp-rev'), function (el) { io.observe(el); });\n  });\n})();\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"ItemList\",\n  \"name\": \"The problem: no full picture, no convincing retirement plan\",\n  \"description\": \"The Altersvorsorgedepot (AVD) creates a new product category and a willingness to switch across millions of existing contracts. 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top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;105432&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;190195&#8243;]<div class=\"wa-section-host\" data-section=\"uc-avd-process-en\" style=\"contain:layout paint;\"><section class=\"wa-section wa-uc-avd-process-en\" aria-labelledby=\"wa-uc-avd-process-en-title\">\n<style>\n\/* \u2500\u2500 Use Case AVD - How it works (dark, steps + depot chart) \u2500 *\/\n.wa-uc-avd-process-en {\n  position: relative;\n  overflow: hidden;\n  isolation: isolate;\n  color: var(--wa-white);\n  line-height: 1.5;\n  background: linear-gradient(160deg, var(--wa-uc-dark-1) 0%, var(--wa-uc-dark-2) 55%, var(--wa-uc-dark-3) 100%);\n}\n.wa-uc-avd-process-en::before,\n.wa-uc-avd-process-en::after {\n  content: \"\";\n  position: absolute;\n  z-index: -1;\n  border-radius: 50%;\n  pointer-events: none;\n  filter: blur(40px);\n}\n.wa-uc-avd-process-en::before {\n  width: 60%; aspect-ratio: 1; left: -12%; top: -35%;\n  background: radial-gradient(circle, rgba(124,125,242,.42) 0%, transparent 65%);\n  animation: avs-glow-a 14s ease-in-out infinite alternate;\n}\n.wa-uc-avd-process-en::after {\n  width: 55%; aspect-ratio: 1; right: -14%; bottom: -40%;\n  background: radial-gradient(circle, rgba(19,173,223,.40) 0%, transparent 65%);\n  animation: avs-glow-b 16s ease-in-out infinite alternate;\n}\n@keyframes avs-glow-a { 0% { transform: translate(0,0) scale(1); } 50% { transform: translate(35%,25%) scale(1.15); } 100% { transform: translate(70%,5%) scale(.95); } }\n@keyframes avs-glow-b { 0% { transform: translate(0,0) scale(1); } 50% { transform: translate(-40%,-20%) scale(1.1); } 100% { transform: translate(-75%,-5%) scale(1); } }\n\n.wa-uc-avd-process-en .avs-inner {\n  max-width: 1162px;\n  margin: 0 auto;\n  padding: 80px 48px;\n}\n\n\/* \u2500\u2500 Head \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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.wa-uc-avd-process-en header.avs-head {\n  max-width: 700px;\n  margin: 0 auto;\n  text-align: center;\n}\n.wa-uc-avd-process-en p.avs-eyebrow {\n  display: inline-flex;\n  align-items: center;\n  gap: 9px;\n  font-size: 12px;\n  font-weight: 600;\n  letter-spacing: .16em;\n  text-transform: uppercase;\n  color: var(--wa-cyan-bright);\n}\n.wa-uc-avd-process-en .avs-dot {\n  flex: none;\n  width: 7px;\n  height: 7px;\n  border-radius: 50%;\n  background: var(--wa-cyan-bright);\n  box-shadow: 0 0 0 4px color-mix(in srgb, var(--wa-cyan-bright) 18%, transparent);\n}\n.wa-uc-avd-process-en 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\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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@media (max-width: 1080px) {\n  .wa-uc-avd-process-en .avs-inner { padding: 64px 32px; }\n  .wa-uc-avd-process-en ol.avs-steps { grid-template-columns: 1fr 1fr; }\n  .wa-uc-avd-process-en .avs-feat { grid-template-columns: 1fr; gap: 34px; margin-top: 56px; }\n}\n@media (max-width: 767px) {\n  .wa-uc-avd-process-en .avs-inner { padding: 40px 20px; }\n  .wa-uc-avd-process-en ol.avs-steps { grid-template-columns: 1fr; }\n  .wa-uc-avd-process-en .avs-dbar { grid-template-columns: 96px 1fr 38px; }\n  .wa-uc-avd-process-en figcaption.avs-dist__h { flex-direction: column; gap: 4px; }\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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@media (prefers-reduced-motion: reduce) {\n  .wa-uc-avd-process-en::before,\n  .wa-uc-avd-process-en::after { animation: none; }\n  .wa-uc-avd-process-en.is-reveal .avs-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n  .wa-uc-avd-process-en.is-reveal .avs-dbar__f { transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"avs-inner\">\n  <header class=\"avs-head avs-rev\">\n    <p class=\"avs-eyebrow\"><span class=\"avs-dot\" aria-hidden=\"true\"><\/span>How it works<\/p>\n    <h2 class=\"avs-title\" id=\"wa-uc-avd-process-en-title\">One integration. We stay in the background.<\/h2>\n    <p class=\"avs-lead\">wealthAPI works as the data layer beneath your Altersvorsorgedepot (AVD) product. Your brand, your customer relationship, one shared data foundation.<\/p>\n  <\/header>\n\n  <ol class=\"avs-steps avs-rev\">\n    <li class=\"avs-step\"><span class=\"avs-step__n\">01<\/span><h3 class=\"avs-step__title\">Integrate<\/h3><p class=\"avs-step__text\">A single API integration gives you access to more than 3,500 institutions.<\/p><\/li>\n    <li class=\"avs-step\"><span class=\"avs-step__n\">02<\/span><h3 class=\"avs-step__title\">Connect<\/h3><p class=\"avs-step__text\">Customers link their bank and securities accounts within your flow.<\/p><\/li>\n    <li class=\"avs-step\"><span class=\"avs-step__n\">03<\/span><h3 class=\"avs-step__title\">Analyse<\/h3><p class=\"avs-step__text\">Holdings, switching potential, costs, taxes and risk classes as data.<\/p><\/li>\n    <li class=\"avs-step\"><span class=\"avs-step__n\">04<\/span><h3 class=\"avs-step__title\">Activate<\/h3><p class=\"avs-step__text\">Your AVD offering reaches the right prospects with the right arguments.<\/p><\/li>\n  <\/ol>\n\n  <div class=\"avs-feat avs-rev\">\n    <figure class=\"avs-dist\">\n      <figcaption class=\"avs-dist__h\"><span>Managed securities volume across connected accounts<\/span><span>Example \u00b7 Aggregate<\/span><\/figcaption>\n      <div class=\"avs-dbar\"><span>Trade Republic<\/span><span class=\"avs-dbar__t\" aria-hidden=\"true\"><span class=\"avs-dbar__f\" style=\"--w:100%\"><\/span><\/span><span class=\"avs-dbar__v\">31%<\/span><\/div>\n      <div class=\"avs-dbar\"><span>Scalable Capital<\/span><span class=\"avs-dbar__t\" aria-hidden=\"true\"><span class=\"avs-dbar__f\" style=\"--w:77%\"><\/span><\/span><span class=\"avs-dbar__v\">24%<\/span><\/div>\n      <div class=\"avs-dbar\"><span>comdirect<\/span><span class=\"avs-dbar__t\" aria-hidden=\"true\"><span class=\"avs-dbar__f\" style=\"--w:61%\"><\/span><\/span><span class=\"avs-dbar__v\">19%<\/span><\/div>\n      <div class=\"avs-dbar\"><span>Deutsche Bank<\/span><span class=\"avs-dbar__t\" aria-hidden=\"true\"><span class=\"avs-dbar__f\" style=\"--w:48%\"><\/span><\/span><span class=\"avs-dbar__v\">15%<\/span><\/div>\n      <div class=\"avs-dbar\"><span>Other institutions<\/span><span class=\"avs-dbar__t\" aria-hidden=\"true\"><span class=\"avs-dbar__f\" style=\"--w:35%\"><\/span><\/span><span class=\"avs-dbar__v\">11%<\/span><\/div>\n    <\/figure>\n    <div class=\"avs-feat__text\">\n      <h3 class=\"avs-feat__title\">See where the assets really are.<\/h3>\n      <p class=\"avs-feat__lead\">Holdings and investment behaviour at other brokers, aggregated and comparable. So you can see how much invested capital could be shifted.<\/p>\n      <ul class=\"avs-checks\">\n        <li class=\"avs-check\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Free capital in current and instant-access savings accounts, ready to mobilise for the AVD<\/li>\n        <li class=\"avs-check\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Existing retirement provision - Riester, R\u00fcrup, occupational (bAV) and private pensions<\/li>\n        <li class=\"avs-check\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Life and pension insurance as part of the overall picture<\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var roots = document.querySelectorAll('.wa-uc-avd-process-en');\n  if (!roots.length) return;\n  if (!('IntersectionObserver' in window)) return;\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\n  var io = new IntersectionObserver(function (entries) {\n    entries.forEach(function (e) {\n      if (e.isIntersecting) { e.target.classList.add('is-in'); io.unobserve(e.target); }\n    });\n  }, { threshold: .1, rootMargin: '0px 0px -6% 0px' });\n  Array.prototype.forEach.call(roots, function (root) {\n    root.classList.add('is-reveal');\n    Array.prototype.forEach.call(root.querySelectorAll('.avs-rev'), function (el) { io.observe(el); });\n  });\n})();\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"HowTo\",\n  \"name\": \"How wealthAPI works for the Altersvorsorgedepot (AVD)\",\n  \"description\": \"wealthAPI works as the data layer beneath your product. Your brand, your customer relationship, one shared data foundation.\",\n  \"inLanguage\": \"en\",\n  \"step\": [\n    { \"@type\": \"HowToStep\", \"position\": 1, \"name\": \"Integrate\", \"text\": \"A single API integration gives you access to more than 3,500 institutions.\" },\n    { \"@type\": \"HowToStep\", \"position\": 2, \"name\": \"Connect\", \"text\": \"Customers link their bank and securities accounts within your flow.\" },\n    { \"@type\": \"HowToStep\", \"position\": 3, \"name\": \"Analyse\", \"text\": \"Holdings, switching potential, costs, taxes and risk classes as data.\" },\n    { \"@type\": \"HowToStep\", \"position\": 4, \"name\": \"Activate\", \"text\": \"Your AVD offering reaches the right prospects with the right arguments.\" }\n  ]\n}\n<\/script>\n<\/section>\n<\/div>[\/vc_column_text][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; 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}\n  .wa-uc-avd-data-en .avd-flow { grid-template-columns: 1fr; gap: 12px; }\n  .wa-uc-avd-data-en .avd-farrow { justify-self: center; transform: rotate(90deg); }\n}\n@media (max-width: 767px) {\n  .wa-uc-avd-data-en .avd-inner { padding: 40px 20px; }\n  .wa-uc-avd-data-en .avd-trow { grid-template-columns: 1fr; gap: 6px; }\n  .wa-uc-avd-data-en .avd-trow--h span + span { display: none; }\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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@media (prefers-reduced-motion: reduce) {\n  .wa-uc-avd-data-en.is-reveal .avd-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"avd-inner\">\n  <header class=\"avd-head avd-rev\">\n    <p class=\"avd-eyebrow\"><span class=\"avd-dot\" aria-hidden=\"true\"><\/span>The data foundation<\/p>\n    <h2 class=\"avd-title\" id=\"wa-uc-avd-data-en-title\">The real lever for precision is data quality.<\/h2>\n    <p class=\"avd-lead\">More than 3,500 banks and brokers are already connected. wealthAPI delivers the data structured and in real time - instead of estimates from savers\u2019 memory.<\/p>\n  <\/header>\n\n  <div class=\"avd-flow avd-rev\">\n    <div class=\"avd-fcol\">\n      <h3 class=\"avd-fcol__h\">Data sources<\/h3>\n      <ul class=\"avd-fcol__list\">\n        <li class=\"avd-fcol__item\">Banks - current accounts, savings, securities accounts<\/li>\n        <li class=\"avd-fcol__item\">Brokers - securities accounts, savings plans, transactions<\/li>\n        <li class=\"avd-fcol__item\">Insurers - pension, life &amp; retirement products<\/li>\n        <li class=\"avd-fcol__item\">Instrument data - prices, costs, risk classes<\/li>\n      <\/ul>\n    <\/div>\n    <div class=\"avd-farrow\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\n    <div class=\"avd-fcol avd-fcol--mid\">\n      <h3 class=\"avd-fcol__h\">One data layer for your AVD<\/h3>\n      <ul class=\"avd-fcol__list\">\n        <li class=\"avd-fcol__item\">Structured<\/li>\n        <li class=\"avd-fcol__item\">Real-time<\/li>\n        <li class=\"avd-fcol__item\">Neutral - no securities account of our own<\/li>\n      <\/ul>\n      <p class=\"avd-fcol__note\">One integration - a complete view of securities accounts, contracts and free capital.<\/p>\n    <\/div>\n    <div class=\"avd-farrow\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>\n    <div class=\"avd-fcol\">\n      <h3 class=\"avd-fcol__h\">Outcome<\/h3>\n      <ul class=\"avd-fcol__list\">\n        <li class=\"avd-fcol__item\">Holdings &amp; free capital<\/li>\n        <li class=\"avd-fcol__item\">Switching potential<\/li>\n        <li class=\"avd-fcol__item\">Fees &amp; taxes<\/li>\n        <li class=\"avd-fcol__item\">ETF risk classes<\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n\n  <div class=\"avd-table avd-rev\" role=\"table\" aria-label=\"Estimated today versus populated with wealthAPI\">\n    <div class=\"avd-trow avd-trow--h\" role=\"row\"><span role=\"columnheader\">Estimated today<\/span><span role=\"columnheader\">Populated with wealthAPI<\/span><\/div>\n    <div class=\"avd-trow\" role=\"row\"><span class=\"avd-trow__l\" role=\"cell\">Balance in the existing contract<\/span><span class=\"avd-trow__r\" role=\"cell\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>From securities and bank account aggregation<\/span><\/div>\n    <div class=\"avd-trow\" role=\"row\"><span class=\"avd-trow__l\" role=\"cell\">Contributions paid to date<\/span><span class=\"avd-trow__r\" role=\"cell\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>From the transaction history<\/span><\/div>\n    <div class=\"avd-trow\" role=\"row\"><span class=\"avd-trow__l\" role=\"cell\">State allowances received<\/span><span class=\"avd-trow__r\" role=\"cell\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>From the detected retirement contracts<\/span><\/div>\n    <div class=\"avd-trow\" role=\"row\"><span class=\"avd-trow__l\" role=\"cell\">Effective costs of the contract<\/span><span class=\"avd-trow__r\" role=\"cell\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M5 12h13M12 6l6 6-6 6\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>From instrument and cost data<\/span><\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var roots = document.querySelectorAll('.wa-uc-avd-data-en');\n  if (!roots.length) return;\n  if (!('IntersectionObserver' in window)) return;\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\n  var io = new IntersectionObserver(function (entries) {\n    entries.forEach(function (e) {\n      if (e.isIntersecting) { e.target.classList.add('is-in'); io.unobserve(e.target); }\n    });\n  }, { threshold: .1, rootMargin: '0px 0px -6% 0px' });\n  Array.prototype.forEach.call(roots, function (root) {\n    root.classList.add('is-reveal');\n    Array.prototype.forEach.call(root.querySelectorAll('.avd-rev'), function (el) { io.observe(el); });\n  });\n})();\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Service\",\n  \"name\": \"wealthAPI data layer for the Altersvorsorgedepot (AVD)\",\n  \"description\": \"More than 3,500 banks and brokers are already connected. wealthAPI delivers bank account, securities account, insurance and instrument data structured and in real time - holdings and free capital, switching potential, fees and taxes, and ETF risk classes instead of estimates.\",\n  \"serviceType\": \"Financial data aggregation\",\n  \"provider\": { \"@type\": \"Organization\", \"name\": \"wealthAPI\", \"url\": \"https:\/\/wealthapi.eu\" },\n  \"inLanguage\": \"en\",\n  \"url\": \"https:\/\/wealthapi.eu\/en\/\"\n}\n<\/script>\n<\/section>\n<\/div>[\/vc_column_text][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;105432&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;330718&#8243;]<div class=\"wa-section-host\" data-section=\"uc-avd-inventory-en\" style=\"contain:layout paint;\"><section class=\"wa-section wa-uc-avd-inventory-en\" id=\"inventory\" aria-labelledby=\"wa-uc-avd-inventory-en-title\">\n<style>\n\/* \u2500\u2500 Use Case AVD - Inventory detection (cool surface, text + mockup) \u2500 *\/\n.wa-uc-avd-inventory-en {\n  position: relative;\n  overflow: hidden;\n  isolation: isolate;\n  color: var(--wa-ink);\n  line-height: 1.5;\n  background: var(--wa-bg-cool);\n  scroll-margin-top: 80px;\n}\n.wa-uc-avd-inventory-en::before,\n.wa-uc-avd-inventory-en::after {\n  content: \"\";\n  position: absolute;\n  z-index: -1;\n  border-radius: 50%;\n  pointer-events: none;\n  filter: blur(50px);\n}\n.wa-uc-avd-inventory-en::before {\n  width: 55%; aspect-ratio: 1; left: -12%; top: -30%;\n  background: radial-gradient(circle, rgba(124,125,242,.16) 0%, transparent 65%);\n  animation: avi-glow-a 18s ease-in-out infinite alternate;\n}\n.wa-uc-avd-inventory-en::after {\n  width: 50%; aspect-ratio: 1; right: -12%; bottom: -35%;\n  background: radial-gradient(circle, rgba(19,173,223,.14) 0%, transparent 65%);\n  animation: avi-glow-b 20s ease-in-out infinite alternate;\n}\n@keyframes avi-glow-a { 0% { transform: translate(0,0) scale(1); } 50% { transform: translate(35%,25%) scale(1.15); } 100% { transform: translate(70%,5%) scale(.95); } }\n@keyframes avi-glow-b { 0% { transform: translate(0,0) scale(1); } 50% { transform: translate(-40%,-20%) scale(1.1); } 100% { transform: translate(-75%,-5%) scale(1); } }\n\n.wa-uc-avd-inventory-en .avi-inner {\n  max-width: 1162px;\n  margin: 0 auto;\n  padding: 80px 48px;\n}\n.wa-uc-avd-inventory-en .avi-feat {\n  display: grid;\n  grid-template-columns: .88fr 1.12fr;\n  gap: 56px;\n  align-items: center;\n}\n\n\/* \u2500\u2500 Text column \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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.wa-uc-avd-inventory-en p.avi-eyebrow {\n  display: inline-flex;\n  align-items: center;\n  gap: 9px;\n  font-size: 12px;\n  font-weight: 600;\n  letter-spacing: .16em;\n  text-transform: uppercase;\n  color: var(--wa-violet-deep);\n}\n.wa-uc-avd-inventory-en .avi-dot {\n  flex: none;\n  width: 7px;\n  height: 7px;\n  border-radius: 50%;\n  background: var(--wa-violet);\n  box-shadow: 0 0 0 4px color-mix(in srgb, var(--wa-violet) 18%, transparent);\n}\n.wa-uc-avd-inventory-en h2.avi-title {\n  font-family: var(--wa-font-sans);\n  font-size: clamp(29px, 3.8vw, 40px);\n  line-height: 1.09;\n  font-weight: 700;\n  letter-spacing: -.025em;\n  color: var(--wa-neutral-1100);\n  margin: 16px 0 0;\n  text-wrap: balance;\n}\n.wa-uc-avd-inventory-en p.avi-lead {\n  font-size: 17px;\n  line-height: 1.62;\n  color: var(--wa-neutral-900);\n  margin-top: 16px;\n  max-width: 58ch;\n  text-wrap: pretty;\n}\n.wa-uc-avd-inventory-en ol.avi-steps {\n  display: grid;\n  gap: 18px;\n  margin-top: 24px;\n}\n.wa-uc-avd-inventory-en li.avi-step {\n  display: grid;\n  grid-template-columns: 30px 1fr;\n  gap: 14px;\n  align-items: start;\n}\n.wa-uc-avd-inventory-en .avi-step__n {\n  width: 30px;\n  height: 30px;\n  border-radius: 9px;\n  display: grid;\n  place-items: center;\n  background: var(--wa-violet-100);\n  color: var(--wa-violet-deep);\n  font-size: 12px;\n  font-weight: 700;\n}\n.wa-uc-avd-inventory-en h3.avi-step__title {\n  font-family: var(--wa-font-sans);\n  font-size: 15px;\n  line-height: 1.35;\n  font-weight: 700;\n  letter-spacing: -.01em;\n  color: var(--wa-neutral-1100);\n}\n.wa-uc-avd-inventory-en p.avi-step__text {\n  font-size: 13.5px;\n  line-height: 1.5;\n  color: var(--wa-neutral-900);\n  margin-top: 3px;\n}\n\n\/* \u2500\u2500 Mockup 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.wa-uc-avd-inventory-en figure.avi-brief {\n  margin: 0;\n  background: var(--wa-white);\n  border: 1px solid var(--wa-line);\n  border-radius: var(--wa-radius-md);\n  box-shadow: var(--wa-shadow-lg);\n  overflow: hidden;\n}\n.wa-uc-avd-inventory-en .avi-brief__bar {\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  gap: 12px;\n  padding: 14px 18px;\n  border-bottom: 1px solid var(--wa-line);\n}\n.wa-uc-avd-inventory-en .avi-brief__t {\n  display: inline-flex;\n  align-items: center;\n  gap: 9px;\n  font-size: 13.5px;\n  font-weight: 700;\n  color: var(--wa-neutral-1100);\n}\n.wa-uc-avd-inventory-en .avi-brief__ic {\n  flex: none;\n  width: 26px;\n  height: 26px;\n  border-radius: 7px;\n  display: grid;\n  place-items: center;\n  background: linear-gradient(135deg, var(--wa-cyan-bright), var(--wa-violet));\n  color: var(--wa-white);\n}\n.wa-uc-avd-inventory-en .avi-brief__ic svg { width: 15px; height: 15px; }\n.wa-uc-avd-inventory-en .avi-flag {\n  font-size: 10px;\n  font-weight: 700;\n  white-space: nowrap;\n  color: var(--wa-green-text);\n  background: color-mix(in srgb, var(--wa-green) 16%, var(--wa-white));\n  border-radius: var(--wa-radius-pill);\n  padding: 4px 10px;\n}\n.wa-uc-avd-inventory-en .avi-brief__body { padding: 18px; }\n.wa-uc-avd-inventory-en .avi-lbl {\n  font-size: 10px;\n  letter-spacing: .1em;\n  text-transform: uppercase;\n  color: var(--wa-muted);\n  margin-bottom: 9px;\n}\n.wa-uc-avd-inventory-en .avi-lbl--gap { margin-top: 18px; }\n\n.wa-uc-avd-inventory-en .avi-contract {\n  display: flex;\n  align-items: center;\n  gap: 12px;\n  border: 1px solid var(--wa-line);\n  border-radius: var(--wa-radius-md);\n  padding: 13px 14px;\n  margin-bottom: 14px;\n}\n.wa-uc-avd-inventory-en .avi-contract__av {\n  flex: none;\n  width: 32px;\n  height: 32px;\n  border-radius: 9px;\n  display: grid;\n  place-items: center;\n  background: var(--wa-violet-100);\n  color: var(--wa-violet-deep);\n}\n.wa-uc-avd-inventory-en .avi-contract__av svg { width: 16px; height: 16px; }\n.wa-uc-avd-inventory-en .avi-contract__name {\n  display: block;\n  font-size: 14px;\n  font-weight: 700;\n  color: var(--wa-neutral-1100);\n}\n.wa-uc-avd-inventory-en .avi-contract__meta {\n  display: block;\n  font-size: 11px;\n  color: var(--wa-muted);\n  font-variant-numeric: tabular-nums;\n}\n\n.wa-uc-avd-inventory-en dl.avi-cmp {\n  display: grid;\n  grid-template-columns: 1fr 1fr 1fr;\n  gap: 9px;\n  margin: 4px 0 0;\n}\n.wa-uc-avd-inventory-en .avi-kpi {\n  background: var(--wa-bg-cool);\n  border: 1px solid var(--wa-line);\n  border-radius: var(--wa-radius-md);\n  padding: 11px 13px;\n}\n.wa-uc-avd-inventory-en .avi-kpi dt {\n  font-size: 10px;\n  letter-spacing: .04em;\n  text-transform: uppercase;\n  color: var(--wa-muted);\n}\n.wa-uc-avd-inventory-en .avi-kpi dd {\n  margin: 4px 0 0;\n  font-size: 18px;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  color: var(--wa-ink);\n}\n.wa-uc-avd-inventory-en .avi-kpi--hi {\n  background: color-mix(in srgb, var(--wa-violet) 7%, var(--wa-white));\n  border-color: var(--wa-violet-300);\n}\n.wa-uc-avd-inventory-en .avi-kpi--hi dd { color: var(--wa-violet-deep); 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}\n  .wa-uc-avd-inventory-en .avi-feat { grid-template-columns: 1fr; gap: 34px; }\n  .wa-uc-avd-inventory-en figure.avi-brief { max-width: 560px; width: 100%; }\n}\n@media (max-width: 767px) {\n  .wa-uc-avd-inventory-en .avi-inner { padding: 40px 20px; }\n  .wa-uc-avd-inventory-en dl.avi-cmp,\n  .wa-uc-avd-inventory-en ul.avi-conns { grid-template-columns: 1fr; }\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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@media (prefers-reduced-motion: reduce) {\n  .wa-uc-avd-inventory-en::before,\n  .wa-uc-avd-inventory-en::after { animation: none; }\n  .wa-uc-avd-inventory-en.is-reveal .avi-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"avi-inner\">\n  <div class=\"avi-feat avi-rev\">\n    <div class=\"avi-text\">\n      <p class=\"avi-eyebrow\"><span class=\"avi-dot\" aria-hidden=\"true\"><\/span>Detect existing contracts<\/p>\n      <h2 class=\"avi-title\" id=\"wa-uc-avd-inventory-en-title\">Detect, assess and switch Riester contracts.<\/h2>\n      <p class=\"avi-lead\">We identify existing pension contracts in your prospects\u2019 holdings and calculate, case by case, whether switching to the Altersvorsorgedepot (AVD) pays off for your customer.<\/p>\n      <ol class=\"avi-steps\">\n        <li class=\"avi-step\"><span class=\"avi-step__n\" aria-hidden=\"true\">1<\/span><div><h3 class=\"avi-step__title\">Detect<\/h3><p class=\"avi-step__text\">Riester, R\u00fcrup and other pension contracts across all connected accounts.<\/p><\/div><\/li>\n        <li class=\"avi-step\"><span class=\"avi-step__n\" aria-hidden=\"true\">2<\/span><div><h3 class=\"avi-step__title\">Assess<\/h3><p class=\"avi-step__text\">Costs, returns and guarantees of the existing contract made transparent.<\/p><\/div><\/li>\n        <li class=\"avi-step\"><span class=\"avi-step__n\" aria-hidden=\"true\">3<\/span><div><h3 class=\"avi-step__title\">Compare<\/h3><p class=\"avi-step__text\">Does switching to the AVD pay off? A clear result for every customer.<\/p><\/div><\/li>\n      <\/ol>\n    <\/div>\n\n    <figure class=\"avi-brief\" aria-label=\"Example: holdings analysis of a Riester contract\">\n      <div class=\"avi-brief__bar\">\n        <span class=\"avi-brief__t\"><span class=\"avi-brief__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M13 3L5 13h6l-2 8 8-10h-6l2-8z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>Holdings analysis \u00b7 Riester<\/span>\n        <span class=\"avi-flag\">Switch recommended<\/span>\n      <\/div>\n      <div class=\"avi-brief__body\">\n        <div class=\"avi-lbl\">Existing contract<\/div>\n        <div class=\"avi-contract\">\n          <span class=\"avi-contract__av\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M8 3h8a2 2 0 012 2v14a2 2 0 01-2 2H8a2 2 0 01-2-2V5a2 2 0 012-2zM9 8h6M9 12h6M9 16h3\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n          <span><span class=\"avi-contract__name\">Riester fund savings plan<\/span><span class=\"avi-contract__meta\">since 2011 \u00b7 balance \u20ac18,400<\/span><\/span>\n        <\/div>\n        <div class=\"avi-lbl\">Comparison<\/div>\n        <dl class=\"avi-cmp\">\n          <div class=\"avi-kpi\"><dt>Effective costs p.a.<\/dt><dd>1.9%<\/dd><\/div>\n          <div class=\"avi-kpi avi-kpi--hi\"><dt>Costs in the AVD<\/dt><dd>0.4%<\/dd><\/div>\n          <div class=\"avi-kpi avi-kpi--win\"><dt>Gain until retirement*<\/dt><dd>+ \u20ac11,800<\/dd><\/div>\n        <\/dl>\n        <div class=\"avi-lbl avi-lbl--gap\">Full financial picture<\/div>\n        <ul class=\"avi-conns\">\n          <li class=\"avi-conn\"><span class=\"avi-conn__av\" aria-hidden=\"true\">\u20ac<\/span><span class=\"avi-conn__nm\"><b>Freely investable<\/b><span>Current &amp; savings accounts<\/span><\/span><\/li>\n          <li class=\"avi-conn\"><span class=\"avi-conn__av\" aria-hidden=\"true\">R<\/span><span class=\"avi-conn__nm\"><b>Pension products<\/b><span>Riester, R\u00fcrup, occupational (bAV)<\/span><\/span><\/li>\n          <li class=\"avi-conn\"><span class=\"avi-conn__av\" aria-hidden=\"true\">V<\/span><span class=\"avi-conn__nm\"><b>Insurance<\/b><span>Life &amp; annuity policies<\/span><\/span><\/li>\n          <li class=\"avi-conn\"><span class=\"avi-conn__av\" aria-hidden=\"true\">D<\/span><span class=\"avi-conn__nm\"><b>External securities accounts<\/b><span>Savings plans &amp; history<\/span><\/span><\/li>\n        <\/ul>\n        <p class=\"avi-foot\">* Model calculation based on aggregated holdings data. Illustrative example.<\/p>\n      <\/div>\n    <\/figure>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var roots = document.querySelectorAll('.wa-uc-avd-inventory-en');\n  if (!roots.length) return;\n  if (!('IntersectionObserver' in window)) return;\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\n  var io = new IntersectionObserver(function (entries) {\n    entries.forEach(function (e) {\n      if (e.isIntersecting) { e.target.classList.add('is-in'); io.unobserve(e.target); }\n    });\n  }, { threshold: .1, rootMargin: '0px 0px -6% 0px' });\n  Array.prototype.forEach.call(roots, function (root) {\n    root.classList.add('is-reveal');\n    Array.prototype.forEach.call(root.querySelectorAll('.avi-rev'), function (el) { io.observe(el); });\n  });\n})();\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Service\",\n  \"name\": \"Holdings analysis for Riester and pension contracts\",\n  \"description\": \"wealthAPI identifies existing pension contracts in your prospects\u2019 holdings - Riester, R\u00fcrup and others - assesses costs, returns and guarantees, and calculates case by case whether switching to the new German state-subsidised retirement account (Altersvorsorgedepot, AVD) pays off.\",\n  \"serviceType\": \"Pension holdings analysis\",\n  \"provider\": { \"@type\": \"Organization\", \"name\": \"wealthAPI\", \"url\": \"https:\/\/wealthapi.eu\" },\n  \"inLanguage\": \"en\",\n  \"url\": \"https:\/\/wealthapi.eu\/en\/\"\n}\n<\/script>\n<\/section>\n<\/div>[\/vc_column_text][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; 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p.avc-foot {\n  font-size: 11px;\n  line-height: 1.5;\n  color: var(--wa-muted);\n  margin-top: 14px;\n}\n\n\/* \u2500\u2500 Checklists \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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.wa-uc-avd-calculator-en .avc-checklist {\n  display: grid;\n  grid-template-columns: 1fr 1fr;\n  gap: 18px;\n}\n.wa-uc-avd-calculator-en h4.avc-lbl {\n  font-family: var(--wa-font-sans);\n  font-size: 10px;\n  line-height: 1.4;\n  font-weight: 400;\n  letter-spacing: .1em;\n  text-transform: uppercase;\n  color: var(--wa-muted);\n}\n.wa-uc-avd-calculator-en ul.avc-checklist__list {\n  display: grid;\n  gap: 7px;\n  margin-top: 8px;\n}\n.wa-uc-avd-calculator-en li.avc-checklist__item {\n  display: flex;\n  gap: 8px;\n  font-size: 13px;\n  line-height: 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ul,\n.wa-uc-avd-calculator-en ol { list-style: none !important; padding-left: 0 !important; margin-left: 0 !important; margin-bottom: 0 !important; }\n.wa-uc-avd-calculator-en li { list-style: none !important; margin: 0 !important; }\n.wa-uc-avd-calculator-en button.avc-q__btn,\n.wa-uc-avd-calculator-en button.avc-q__btn:hover,\n.wa-uc-avd-calculator-en button.avc-q__btn:focus,\n.wa-uc-avd-calculator-en button.avc-q__btn:active { border: 0 !important; outline: none !important; border-radius: 0 !important; }\n.wa-uc-avd-calculator-en button.avc-q__btn:focus-visible { box-shadow: inset 0 0 0 2px var(--wa-violet) !important; }\n.wa-uc-avd-calculator-en h2.avc-title {\n  font-size: clamp(29px, 3.8vw, 40px) !important;\n  line-height: 1.09 !important;\n  color: var(--wa-neutral-1100) !important;\n}\n.wa-uc-avd-calculator-en h3.avc-attr__title { font-size: 15px !important; color: var(--wa-neutral-1100) !important; }\n.wa-uc-avd-calculator-en h3.avc-panel__h { font-size: 10.5px !important; color: var(--wa-muted) !important; }\n.wa-uc-avd-calculator-en h4.avc-lbl { font-size: 10px !important; color: var(--wa-muted) !important; }\n.wa-uc-avd-calculator-en button.avc-q__btn,\n.wa-uc-avd-calculator-en button.avc-q__btn:hover,\n.wa-uc-avd-calculator-en button.avc-q__btn:focus {\n  background: none !important;\n  color: inherit !important;\n  box-shadow: none !important;\n  text-transform: none !important;\n  letter-spacing: normal !important;\n}\n\n\/* \u2500\u2500 Responsive \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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@media (max-width: 1080px) {\n  .wa-uc-avd-calculator-en .avc-inner { padding: 64px 32px; }\n  .wa-uc-avd-calculator-en ul.avc-attrs { grid-template-columns: 1fr 1fr; gap: 20px 12px; }\n  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.wa-uc-avd-calculator-en.is-reveal .avc-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"avc-inner\">\n  <header class=\"avc-head avc-rev\">\n    <p class=\"avc-eyebrow\"><span class=\"avc-dot\" aria-hidden=\"true\"><\/span>Compare contracts<\/p>\n    <h2 class=\"avc-title\" id=\"wa-uc-avd-calculator-en-title\">The AVD comparison calculator.<\/h2>\n    <p class=\"avc-lead\">We have built the decision logic that every Altersvorsorgedepot (AVD) offer needs - and run it on real holdings data instead of estimates.<\/p>\n  <\/header>\n\n  <ul class=\"avc-attrs avc-rev\">\n    <li class=\"avc-attr\"><h3 class=\"avc-attr__title\">A decision, not just a comparison<\/h3><p class=\"avc-attr__text\">Five courses of action are assessed and ranked - not just \u201cAVD or existing contract\u201d.<\/p><\/li>\n    <li class=\"avc-attr\"><h3 class=\"avc-attr__title\">Real lifetime value<\/h3><p class=\"avc-attr__text\">Results in today\u2019s euros, including the payout phase, taxes and switching costs.<\/p><\/li>\n    <li class=\"avc-attr\"><h3 class=\"avc-attr__title\">Openly verifiable<\/h3><p class=\"avc-attr__text\">Common reference models are replicated and shown side by side on equal terms.<\/p><\/li>\n    <li class=\"avc-attr\"><h3 class=\"avc-attr__title\">Fully customisable<\/h3><p class=\"avc-attr__text\">A white-label solution, tailored to your data and requirements.<\/p><\/li>\n  <\/ul>\n\n  <div class=\"avc-two avc-rev\">\n    <div class=\"avc-panel\">\n      <h3 class=\"avc-panel__h\">Complete decision framework<\/h3>\n      <div class=\"avc-qa\" data-avc-qa>\n        <div class=\"avc-q is-open\">\n          <button type=\"button\" class=\"avc-q__btn\" aria-expanded=\"true\" aria-controls=\"avc-q-1\" id=\"avc-q-1-btn\"><span class=\"avc-q__n\">01<\/span><span class=\"avc-q__t\">Decision space<\/span><span class=\"avc-q__x\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg><\/span><\/button>\n          <div class=\"avc-q__r\" id=\"avc-q-1\" role=\"region\" aria-labelledby=\"avc-q-1-btn\"><div class=\"avc-q__in\"><p class=\"avc-q__text\">Five courses of action instead of two - including \u201cswitch the subsidy, keep the contract\u201d, the option that standard calculators miss.<\/p><\/div><\/div>\n        <\/div>\n        <div class=\"avc-q\">\n          <button type=\"button\" class=\"avc-q__btn\" aria-expanded=\"false\" aria-controls=\"avc-q-2\" id=\"avc-q-2-btn\"><span class=\"avc-q__n\">02<\/span><span class=\"avc-q__t\">Subsidy eligibility<\/span><span class=\"avc-q__x\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg><\/span><\/button>\n          <div class=\"avc-q__r\" id=\"avc-q-2\" role=\"region\" aria-labelledby=\"avc-q-2-btn\"><div class=\"avc-q__in\"><p class=\"avc-q__text\">Direct, indirect or no subsidy eligibility is derived from employment status - including for the self-employed and members of professional pension schemes (Versorgungswerke).<\/p><\/div><\/div>\n        <\/div>\n        <div class=\"avc-q\">\n          <button type=\"button\" class=\"avc-q__btn\" aria-expanded=\"false\" aria-controls=\"avc-q-3\" id=\"avc-q-3-btn\"><span class=\"avc-q__n\">03<\/span><span class=\"avc-q__t\">Actual tax rates<\/span><span class=\"avc-q__x\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg><\/span><\/button>\n          <div class=\"avc-q__r\" id=\"avc-q-3\" role=\"region\" aria-labelledby=\"avc-q-3-btn\"><div class=\"avc-q__in\"><p class=\"avc-q__text\">Tax formula under \u00a7 32a EStG with all progression zones, joint assessment for married couples and a genuine most-favourable-treatment test under \u00a7 10a EStG.<\/p><\/div><\/div>\n        <\/div>\n        <div class=\"avc-q\">\n          <button type=\"button\" class=\"avc-q__btn\" aria-expanded=\"false\" aria-controls=\"avc-q-4\" id=\"avc-q-4-btn\"><span class=\"avc-q__n\">04<\/span><span class=\"avc-q__t\">Payout phase<\/span><span class=\"avc-q__x\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg><\/span><\/button>\n          <div class=\"avc-q__r\" id=\"avc-q-4\" role=\"region\" aria-labelledby=\"avc-q-4-btn\"><div class=\"avc-q__in\"><p class=\"avc-q__text\">Withdrawal plan up to life expectancy, deferred taxation, adjusted for inflation - the result is a real lifetime value.<\/p><\/div><\/div>\n        <\/div>\n        <div class=\"avc-q\">\n          <button type=\"button\" class=\"avc-q__btn\" aria-expanded=\"false\" aria-controls=\"avc-q-5\" id=\"avc-q-5-btn\"><span class=\"avc-q__n\">05<\/span><span class=\"avc-q__t\">Contract generation<\/span><span class=\"avc-q__x\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg><\/span><\/button>\n          <div class=\"avc-q__r\" id=\"avc-q-5\" role=\"region\" aria-labelledby=\"avc-q-5-btn\"><div class=\"avc-q__in\"><p class=\"avc-q__text\">Payout ages differ: Riester before 2012 from 60, from 2012 onwards from 62, AVD from 65. Switching shifts when the capital becomes available.<\/p><\/div><\/div>\n        <\/div>\n        <div class=\"avc-q\">\n          <button type=\"button\" class=\"avc-q__btn\" aria-expanded=\"false\" aria-controls=\"avc-q-6\" id=\"avc-q-6-btn\"><span class=\"avc-q__n\">06<\/span><span class=\"avc-q__t\">Switching costs<\/span><span class=\"avc-q__x\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg><\/span><\/button>\n          <div class=\"avc-q__r\" id=\"avc-q-6\" role=\"region\" aria-labelledby=\"avc-q-6-btn\"><div class=\"avc-q__in\"><p class=\"avc-q__text\">Capped transfer costs and the clawback of subsidies and tax benefits are factored into the calculation.<\/p><\/div><\/div>\n        <\/div>\n        <div class=\"avc-q\">\n          <button type=\"button\" class=\"avc-q__btn\" aria-expanded=\"false\" aria-controls=\"avc-q-7\" id=\"avc-q-7-btn\"><span class=\"avc-q__n\">07<\/span><span class=\"avc-q__t\">Development over time<\/span><span class=\"avc-q__x\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg><\/span><\/button>\n          <div class=\"avc-q__r\" id=\"avc-q-7\" role=\"region\" aria-labelledby=\"avc-q-7-btn\"><div class=\"avc-q__in\"><p class=\"avc-q__text\">Income growth, expiring child allowances and the advance lump-sum tax (Vorabpauschale) on the ETF path are projected over the full term.<\/p><\/div><\/div>\n        <\/div>\n        <div class=\"avc-q\">\n          <button type=\"button\" class=\"avc-q__btn\" aria-expanded=\"false\" aria-controls=\"avc-q-8\" id=\"avc-q-8-btn\"><span class=\"avc-q__n\">08<\/span><span class=\"avc-q__t\">Model limits<\/span><span class=\"avc-q__x\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg><\/span><\/button>\n          <div class=\"avc-q__r\" id=\"avc-q-8\" role=\"region\" aria-labelledby=\"avc-q-8-btn\"><div class=\"avc-q__in\"><p class=\"avc-q__text\">Housing subsidy accounts (Wohnf\u00f6rderkonto), guaranteed interest rates before 2012 or short remaining terms are flagged explicitly as warnings, not glossed over in the calculation.<\/p><\/div><\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"avc-stack\">\n      <div class=\"avc-panel\">\n        <h3 class=\"avc-panel__h\">ETF risk classes \u00b7 Regulatory scale 1\u20137<\/h3>\n        <ol class=\"avc-risk__scale\" aria-label=\"Risk scale 1 to 7, highlighted: 2, 5 and 6\">\n          <li class=\"avc-risk__cell\">1<\/li>\n          <li class=\"avc-risk__cell is-low\">2<\/li>\n          <li class=\"avc-risk__cell\">3<\/li>\n          <li class=\"avc-risk__cell\">4<\/li>\n          <li class=\"avc-risk__cell is-mid\">5<\/li>\n          <li class=\"avc-risk__cell is-high\">6<\/li>\n          <li class=\"avc-risk__cell\">7<\/li>\n        <\/ol>\n        <div class=\"avc-risk__ends\" aria-hidden=\"true\"><span>low risk<\/span><span>high risk<\/span><\/div>\n        <ul class=\"avc-risk__list\">\n          <li class=\"avc-risk__row\"><span class=\"avc-risk__nm\"><b>Government bond ETF (EUR)<\/b><span>short duration<\/span><\/span><span class=\"avc-risk__k is-low\" aria-label=\"Risk class 2\">2<\/span><\/li>\n          <li class=\"avc-risk__row\"><span class=\"avc-risk__nm\"><b>Global equity ETF<\/b><span>broadly diversified<\/span><\/span><span class=\"avc-risk__k is-mid\" aria-label=\"Risk class 5\">5<\/span><\/li>\n          <li class=\"avc-risk__row\"><span class=\"avc-risk__nm\"><b>Emerging markets ETF<\/b><span>developing economies<\/span><\/span><span class=\"avc-risk__k is-high\" aria-label=\"Risk class 6\">6<\/span><\/li>\n        <\/ul>\n        <p class=\"avc-foot\">Assigned automatically and traceably - in line with the regulatory requirements for the AVD.<\/p>\n      <\/div>\n\n      <div class=\"avc-panel\">\n        <h3 class=\"avc-panel__h\">Fees &amp; taxes, fully documented<\/h3>\n        <div class=\"avc-checklist\">\n          <div>\n            <h4 class=\"avc-lbl\">Fees<\/h4>\n            <ul class=\"avc-checklist__list\">\n              <li class=\"avc-checklist__item\">Effective costs (TER, acquisition, administration) per product<\/li>\n              <li class=\"avc-checklist__item\">Existing contract vs. AVD over the full term<\/li>\n              <li class=\"avc-checklist__item\">Cost metrics per security<\/li>\n            <\/ul>\n          <\/div>\n          <div>\n            <h4 class=\"avc-lbl\">Taxes<\/h4>\n            <ul class=\"avc-checklist__list\">\n              <li class=\"avc-checklist__item\">Metrics on income and gains<\/li>\n              <li class=\"avc-checklist__item\">Subsidies and tax treatment in the AVD<\/li>\n              <li 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44px;\n}\n.wa-uc-avd-audiences-en .ava-tabs { display: grid; gap: 10px; }\n.wa-uc-avd-audiences-en button.ava-tab {\n  width: 100%;\n  display: grid;\n  grid-template-columns: 34px 1fr;\n  gap: 14px;\n  align-items: start;\n  padding: 18px 20px;\n  text-align: left;\n  font: inherit;\n  color: inherit;\n  cursor: pointer;\n  background: var(--wa-white);\n  border: 1px solid var(--wa-line);\n  border-radius: var(--wa-radius-md);\n  transition:\n    border-color var(--wa-dur-med) var(--wa-ease-standard),\n    box-shadow var(--wa-dur-med) var(--wa-ease-standard),\n    background var(--wa-dur-med) var(--wa-ease-standard);\n}\n@media (hover: hover) {\n  .wa-uc-avd-audiences-en button.ava-tab:hover { border-color: var(--wa-violet-300); }\n}\n.wa-uc-avd-audiences-en button.ava-tab:focus-visible {\n  outline: 2px solid var(--wa-violet);\n  outline-offset: 2px;\n}\n.wa-uc-avd-audiences-en button.ava-tab.is-active {\n  border: 1.5px solid transparent;\n  background:\n    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border-radius: var(--wa-radius-pill);\n  padding: 6px 11px;\n}\n\n\/* \u2500\u2500 Advisor perspective \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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.wa-uc-avd-audiences-en .ava-two {\n  display: grid;\n  grid-template-columns: 1fr 1fr;\n  gap: 18px;\n  margin-top: 72px;\n  align-items: start;\n}\n.wa-uc-avd-audiences-en h3.ava-adv__title {\n  font-family: var(--wa-font-sans);\n  font-size: clamp(22px, 2.5vw, 28px);\n  line-height: 1.15;\n  font-weight: 700;\n  letter-spacing: -.022em;\n  color: var(--wa-neutral-1100);\n  margin: 14px 0 0;\n  text-wrap: balance;\n}\n.wa-uc-avd-audiences-en p.ava-adv__lead {\n  font-size: 17px;\n  line-height: 1.62;\n  color: var(--wa-neutral-900);\n  margin-top: 16px;\n  max-width: 58ch;\n  text-wrap: pretty;\n}\n.wa-uc-avd-audiences-en blockquote.ava-quote {\n  position: relative;\n  overflow: hidden;\n  isolation: isolate;\n  margin: 22px 0 0;\n  padding: 20px 22px;\n  border-radius: var(--wa-radius-md);\n  background: linear-gradient(160deg, var(--wa-uc-dark-1) 0%, var(--wa-uc-dark-2) 55%, var(--wa-uc-dark-3) 100%);\n  color: var(--wa-white);\n  font-size: 15px;\n  line-height: 1.55;\n  font-weight: 600;\n  text-wrap: pretty;\n}\n.wa-uc-avd-audiences-en blockquote.ava-quote::before,\n.wa-uc-avd-audiences-en blockquote.ava-quote::after {\n  content: \"\";\n  position: absolute;\n  z-index: -1;\n  border-radius: 50%;\n  pointer-events: none;\n  filter: blur(40px);\n}\n.wa-uc-avd-audiences-en blockquote.ava-quote::before {\n  width: 60%; aspect-ratio: 1; left: -12%; top: -35%;\n  background: radial-gradient(circle, rgba(124,125,242,.42) 0%, transparent 65%);\n  animation: ava-glow-a 14s ease-in-out infinite alternate;\n}\n.wa-uc-avd-audiences-en blockquote.ava-quote::after {\n  width: 55%; aspect-ratio: 1; right: -14%; bottom: -40%;\n  background: radial-gradient(circle, rgba(19,173,223,.40) 0%, transparent 65%);\n  animation: ava-glow-b 16s ease-in-out infinite alternate;\n}\n.wa-uc-avd-audiences-en .ava-panel {\n  background: var(--wa-white);\n  border: 1px solid var(--wa-line);\n  border-radius: var(--wa-radius-md);\n  padding: 26px 24px;\n}\n.wa-uc-avd-audiences-en ol.ava-guide { counter-reset: ava-g; }\n.wa-uc-avd-audiences-en li.ava-guide__item {\n  counter-increment: ava-g;\n  display: grid;\n  grid-template-columns: 26px 1fr;\n  gap: 13px;\n  padding: 11px 0;\n  border-bottom: 1px solid var(--wa-line);\n}\n.wa-uc-avd-audiences-en li.ava-guide__item:first-child { padding-top: 0; }\n.wa-uc-avd-audiences-en li.ava-guide__item:last-child { border-bottom: 0; padding-bottom: 0; }\n.wa-uc-avd-audiences-en li.ava-guide__item::before {\n  content: counter(ava-g);\n  width: 26px;\n  height: 26px;\n  border-radius: 8px;\n  display: grid;\n  place-items: center;\n  background: 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{ border: 1px solid var(--wa-line) !important; }\n.wa-uc-avd-audiences-en button.ava-tab.is-active,\n.wa-uc-avd-audiences-en button.ava-tab.is-active:focus { border: 1.5px solid transparent !important; }\n.wa-uc-avd-audiences-en blockquote.ava-quote {\n  margin: 22px 0 0 !important;\n  padding: 20px 22px !important;\n  border: 0 !important;\n  font-style: normal !important;\n  color: var(--wa-white) !important;\n  quotes: none;\n}\n.wa-uc-avd-audiences-en blockquote.ava-quote p {\n  margin: 0 !important;\n  padding: 0 !important;\n  border: 0 !important;\n  background: none !important;\n  font-family: var(--wa-font-sans) !important;\n  font-size: 15px !important;\n  line-height: 1.55 !important;\n  font-weight: 600 !important;\n  font-style: normal !important;\n  color: var(--wa-white) !important;\n}\n.wa-uc-avd-audiences-en h2.ava-title {\n  font-size: clamp(29px, 3.8vw, 40px) !important;\n  line-height: 1.09 !important;\n  color: var(--wa-neutral-1100) !important;\n}\n.wa-uc-avd-audiences-en h3.ava-card__title { font-size: 21px !important; color: var(--wa-neutral-1100) !important; }\n.wa-uc-avd-audiences-en h3.ava-adv__title {\n  font-size: clamp(22px, 2.5vw, 28px) !important;\n  line-height: 1.15 !important;\n  color: var(--wa-neutral-1100) !important;\n}\n.wa-uc-avd-audiences-en h4.ava-guide__title { font-size: 14.5px !important; color: var(--wa-neutral-1100) !important; }\n.wa-uc-avd-audiences-en button.ava-tab {\n  color: inherit !important;\n  text-transform: none !important;\n  letter-spacing: normal !important;\n  font-weight: 400 !important;\n}\n.wa-uc-avd-audiences-en button.ava-tab:not(.is-active),\n.wa-uc-avd-audiences-en button.ava-tab:not(.is-active):focus { background: var(--wa-white) !important; }\n\n\/* \u2500\u2500 Responsive \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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@media (max-width: 1080px) {\n  .wa-uc-avd-audiences-en .ava-inner { padding: 64px 32px; }\n  .wa-uc-avd-audiences-en .ava-app { grid-template-columns: 1fr; gap: 28px; }\n  .wa-uc-avd-audiences-en .ava-two { grid-template-columns: 1fr; margin-top: 56px; }\n}\n@media (max-width: 767px) {\n  .wa-uc-avd-audiences-en .ava-inner { padding: 40px 20px; }\n  .wa-uc-avd-audiences-en button.ava-tab { padding: 16px; }\n  .wa-uc-avd-audiences-en .ava-panel { padding: 22px 18px; }\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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@media (prefers-reduced-motion: reduce) {\n  .wa-uc-avd-audiences-en::before,\n  .wa-uc-avd-audiences-en::after,\n  .wa-uc-avd-audiences-en blockquote.ava-quote::before,\n  .wa-uc-avd-audiences-en blockquote.ava-quote::after,\n  .wa-uc-avd-audiences-en button.ava-tab.is-active,\n  .wa-uc-avd-audiences-en .ava-card.is-fading { animation: none; }\n  .wa-uc-avd-audiences-en button.ava-tab,\n  .wa-uc-avd-audiences-en .ava-tab__ic { transition: none; }\n  .wa-uc-avd-audiences-en.is-reveal .ava-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"ava-inner\">\n  <header class=\"ava-head ava-rev\">\n    <p class=\"ava-eyebrow\"><span class=\"ava-dot\" aria-hidden=\"true\"><\/span>For your clients<\/p>\n    <h2 class=\"ava-title\" id=\"wa-uc-avd-audiences-en-title\">One dataset, four perspectives.<\/h2>\n    <p class=\"ava-lead\">Bank, broker, insurer or sales organisation: the same data layer makes your Altersvorsorgedepot (AVD) offering hit the mark.<\/p>\n  <\/header>\n\n  <div class=\"ava-app ava-rev\" data-ava-app>\n    <div class=\"ava-tabs\" role=\"tablist\" aria-label=\"Perspectives\">\n      <button type=\"button\" class=\"ava-tab is-active\" role=\"tab\" id=\"ava-tab-banken\" aria-selected=\"true\" aria-controls=\"ava-panel-banken\" data-ava-tab=\"banken\">\n        <span class=\"ava-tab__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M3 10l9-6 9 6M5 10v8M9 10v8M15 10v8M19 10v8M3 21h18\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span><span class=\"ava-tab__name\">Banks<\/span><span class=\"ava-tab__desc\">Enrich existing client relationships with wealth data and position the AVD where it fits.<\/span><\/span>\n      <\/button>\n      <button type=\"button\" class=\"ava-tab\" role=\"tab\" id=\"ava-tab-broker\" aria-selected=\"false\" aria-controls=\"ava-panel-broker\" tabindex=\"-1\" data-ava-tab=\"broker\">\n        <span class=\"ava-tab__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M3 17l5-5 4 3 5-7 4 4M3 21h18\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span><span class=\"ava-tab__name\">Broker<\/span><span class=\"ava-tab__desc\">Spot switching potential in external securities accounts and trigger portfolio transfers based on data.<\/span><\/span>\n      <\/button>\n      <button type=\"button\" class=\"ava-tab\" role=\"tab\" id=\"ava-tab-versicherungen\" aria-selected=\"false\" aria-controls=\"ava-panel-versicherungen\" tabindex=\"-1\" data-ava-tab=\"versicherungen\">\n        <span class=\"ava-tab__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 3l7 3v5c0 4.5-3 7.5-7 9-4-1.5-7-4.5-7-9V6l7-3z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span><span class=\"ava-tab__name\">Insurers<\/span><span class=\"ava-tab__desc\">Assess existing retirement provision and offer the AVD as an addition to your product portfolio.<\/span><\/span>\n      <\/button>\n      <button type=\"button\" class=\"ava-tab\" role=\"tab\" id=\"ava-tab-vertriebe\" aria-selected=\"false\" aria-controls=\"ava-panel-vertriebe\" tabindex=\"-1\" data-ava-tab=\"vertriebe\">\n        <span class=\"ava-tab__ic\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M16 11a4 4 0 10-8 0M4 21a8 8 0 0116 0M12 3v4\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span><span class=\"ava-tab__name\">Sales organisations<\/span><span class=\"ava-tab__desc\">Back up advice with verifiable figures on costs, taxes and the benefit of switching.<\/span><\/span>\n      <\/button>\n    <\/div>\n\n    <div class=\"ava-cards\">\n      <div class=\"ava-card\" role=\"tabpanel\" id=\"ava-panel-banken\" aria-labelledby=\"ava-tab-banken\" tabindex=\"0\">\n        <div class=\"ava-card__h\">Banks<\/div>\n        <h3 class=\"ava-card__title\">Deepen client relationships<\/h3>\n        <p class=\"ava-card__text\">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.<\/p>\n        <div class=\"ava-lbl\">Relevant data<\/div>\n        <ul class=\"ava-chips\"><li class=\"ava-chip\">Available capital<\/li><li class=\"ava-chip\">External securities accounts<\/li><li class=\"ava-chip\">Existing retirement provision<\/li><\/ul>\n      <\/div>\n      <div class=\"ava-card\" role=\"tabpanel\" id=\"ava-panel-broker\" aria-labelledby=\"ava-tab-broker\" tabindex=\"0\" hidden>\n        <div class=\"ava-card__h\">Broker<\/div>\n        <h3 class=\"ava-card__title\">Trigger portfolio transfers<\/h3>\n        <p class=\"ava-card__text\">See where investment assets are held today and make the case for a transfer into your own AVD with verifiable figures.<\/p>\n        <div class=\"ava-lbl\">Relevant data<\/div>\n        <ul class=\"ava-chips\"><li class=\"ava-chip\">Portfolio volume per institution<\/li><li class=\"ava-chip\">Savings plans<\/li><li class=\"ava-chip\">Transaction history<\/li><\/ul>\n      <\/div>\n      <div class=\"ava-card\" role=\"tabpanel\" id=\"ava-panel-versicherungen\" aria-labelledby=\"ava-tab-versicherungen\" tabindex=\"0\" hidden>\n        <div class=\"ava-card__h\">Insurers<\/div>\n        <h3 class=\"ava-card__title\">Put retirement provision in context<\/h3>\n        <p class=\"ava-card__text\">Identify existing life and pension insurance policies and position the AVD as a meaningful addition, not a replacement.<\/p>\n        <div class=\"ava-lbl\">Relevant data<\/div>\n        <ul class=\"ava-chips\"><li class=\"ava-chip\">Riester &amp; R\u00fcrup<\/li><li class=\"ava-chip\">Occupational pension (bAV) &amp; private pension<\/li><li class=\"ava-chip\">Life insurance<\/li><\/ul>\n      <\/div>\n      <div class=\"ava-card\" role=\"tabpanel\" id=\"ava-panel-vertriebe\" aria-labelledby=\"ava-tab-vertriebe\" tabindex=\"0\" hidden>\n        <div class=\"ava-card__h\">Sales organisations<\/div>\n        <h3 class=\"ava-card__title\">Make advice verifiable<\/h3>\n        <p class=\"ava-card__text\">Every conversation backed by figures on costs, taxes and the benefit of switching, documented in a liability-proof, traceable way.<\/p>\n        <div class=\"ava-lbl\">Relevant data<\/div>\n        <ul class=\"ava-chips\"><li class=\"ava-chip\">Effective costs<\/li><li class=\"ava-chip\">Tax impact<\/li><li class=\"ava-chip\">Benefit until retirement<\/li><\/ul>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"ava-two ava-rev\">\n    <div class=\"ava-adv\">\n      <p class=\"ava-eyebrow\"><span class=\"ava-dot\" aria-hidden=\"true\"><\/span>Advisor perspective<\/p>\n      <h3 class=\"ava-adv__title\">Why this is the right approach for financial advisors.<\/h3>\n      <p class=\"ava-adv__lead\">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.<\/p>\n      <blockquote class=\"ava-quote\"><p>The only calculator that turns a comparison of figures into an advice-ready, liability-proof recommendation.<\/p><\/blockquote>\n    <\/div>\n    <div class=\"ava-panel\">\n      <ol class=\"ava-guide\">\n        <li class=\"ava-guide__item\"><div><h4 class=\"ava-guide__title\">An advisor advises<\/h4><p class=\"ava-guide__text\">They need the full range of options with a recommendation, not just two options to compare.<\/p><\/div><\/li>\n        <li class=\"ava-guide__item\"><div><h4 class=\"ava-guide__title\">The number the client actually feels<\/h4><p class=\"ava-guide__text\">Real, after tax, monthly, not a gross amount forty years from now.<\/p><\/div><\/li>\n        <li class=\"ava-guide__item\"><div><h4 class=\"ava-guide__title\">Liability-proof<\/h4><p class=\"ava-guide__text\">Exact tax logic, a real payout phase and active warnings for special cases.<\/p><\/div><\/li>\n        <li class=\"ava-guide__item\"><div><h4 class=\"ava-guide__title\">Trust as a moat<\/h4><p class=\"ava-guide__text\">The well-known public reference calculators are available online. 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}\n}\n@media (max-width: 767px) {\n  .wa-uc-avd-why-now-en .avw-inner { padding: 40px 20px; }\n  .wa-uc-avd-why-now-en ul.avw-stats { grid-template-columns: 1fr; }\n  .wa-uc-avd-why-now-en .avw-stat__n { font-size: 36px; }\n  .wa-uc-avd-why-now-en .avw-panel { padding: 22px 18px; }\n}\n\n\/* \u2500\u2500 Reduced motion \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\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@media (prefers-reduced-motion: reduce) {\n  .wa-uc-avd-why-now-en li.avw-stat { transition: none; }\n  .wa-uc-avd-why-now-en.is-reveal .avw-rev { opacity: 1 !important; transform: none !important; transition: none !important; }\n}\n<\/style>\n\n<div class=\"avw-inner\">\n  <header class=\"avw-head avw-rev\">\n    <p class=\"avw-eyebrow\"><span class=\"avw-dot\" aria-hidden=\"true\"><\/span>Why now<\/p>\n    <h2 class=\"avw-title\" id=\"wa-uc-avd-why-now-en-title\">The willingness to switch is building now.<\/h2>\n    <p class=\"avw-lead\">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.<\/p>\n  <\/header>\n\n  <ul class=\"avw-stats avw-rev\">\n    <li class=\"avw-stat\">\n      <div class=\"avw-stat__n\">15M<\/div>\n      <h3 class=\"avw-stat__title\">existing Riester contracts<\/h3>\n      <p class=\"avw-stat__text\">A large share of them are suitable for switching, as soon as the comparison adds up.<\/p>\n    <\/li>\n    <li class=\"avw-stat\">\n      <div class=\"avw-stat__n\">3,500<span class=\"avw-stat__u\">+<\/span><\/div>\n      <h3 class=\"avw-stat__title\">connected banks &amp; brokers<\/h3>\n      <p class=\"avw-stat__text\">We see holdings wherever your prospects' assets are held today.<\/p>\n    <\/li>\n    <li class=\"avw-stat\">\n      <div class=\"avw-stat__n\">1<\/div>\n      <h3 class=\"avw-stat__title\">data layer for your AVD<\/h3>\n      <p class=\"avw-stat__text\">One integration, a complete view of securities accounts, contracts and available capital.<\/p>\n    <\/li>\n  <\/ul>\n\n  <div class=\"avw-pos avw-rev\">\n    <div class=\"avw-panel avw-panel--no\">\n      <h3 class=\"avw-panel__h\">What we don't do<\/h3>\n      <ul class=\"avw-list\">\n        <li class=\"avw-item\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M6 6l12 12M18 6L6 18\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg>No white-label securities account of our own<\/li>\n        <li class=\"avw-item\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M6 6l12 12M18 6L6 18\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg>No competing for your end customers<\/li>\n        <li class=\"avw-item\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M6 6l12 12M18 6L6 18\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/><\/svg>No asset management of our own<\/li>\n      <\/ul>\n    <\/div>\n    <div class=\"avw-panel avw-panel--yes\">\n      <h3 class=\"avw-panel__h\">What we deliver<\/h3>\n      <ul class=\"avw-list\">\n        <li class=\"avw-item\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>A complete view of securities accounts, contracts and accounts<\/li>\n        <li class=\"avw-item\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Valuation, comparison and switching potential<\/li>\n        <li class=\"avw-item\"><svg viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M4 12l5 5L20 6\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>Fees, taxes and ETF risk classes as clean data<\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  \"use strict\";\n  var roots = document.querySelectorAll('.wa-uc-avd-why-now-en');\n  if (!roots.length) return;\n  if (!('IntersectionObserver' in window)) return;\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\n  var io = new IntersectionObserver(function (entries) {\n    entries.forEach(function (e) {\n      if (e.isIntersecting) { e.target.classList.add('is-in'); io.unobserve(e.target); }\n    });\n  }, { threshold: .1, rootMargin: '0px 0px -6% 0px' });\n  Array.prototype.forEach.call(roots, function (root) {\n    root.classList.add('is-reveal');\n    Array.prototype.forEach.call(root.querySelectorAll('.avw-rev'), function (el) { io.observe(el); });\n  });\n})();\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Service\",\n  \"name\": \"wealthAPI - neutral data layer for the Altersvorsorgedepot (AVD)\",\n  \"description\": \"With the new German state-subsidised retirement account (Altersvorsorgedepot, AVD), millions of existing contracts are being reassessed. wealthAPI delivers a complete view of securities accounts, contracts and accounts, valuation, comparison and switching potential, plus fees, taxes and ETF risk classes as clean data - without a white-label securities account of its own, without competing for end customers and without its own asset management.\",\n  \"serviceType\": \"Wealth data aggregation for the Altersvorsorgedepot (AVD)\",\n  \"provider\": { \"@type\": \"Organization\", \"name\": \"wealthAPI\", \"url\": \"https:\/\/wealthapi.eu\" },\n  \"inLanguage\": \"en\",\n  \"url\": \"https:\/\/wealthapi.eu\/en\/\"\n}\n<\/script>\n<\/section>\n<\/div>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;4&#8243; back_color=&#8221;color-135990&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;205367&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; border_color=&#8221;color-gyho&#8221; border_style=&#8221;inherit&#8221; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;149499&#8243; css=&#8221;.vc_custom_1698135993206{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 25px !important;padding-right: 25px !important;padding-bottom: 25px !important;padding-left: 25px !important;}&#8221; border_color_type=&#8221;uncode-palette&#8221; limit_content=&#8221;&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image media=&#8221;8205&#8243; media_width_percent=&#8221;70&#8243; media_ratio=&#8221;one-one&#8221; alignment=&#8221;center&#8221; shape=&#8221;img-round&#8221; radius=&#8221;lg&#8221; uncode_shortcode_id=&#8221;136532&#8243; media_link=&#8221;url:https%3A%2F%2Fwealthapi.eu%2Fbeim-altersvorsorgedepot-gewinnt-wer-die-beste-datenbasis-hat%2F|title:Beim%20Altersvorsorgedepot%20gewinnt%2C%20wer%20die%20beste%20Datenbasis%20hat&#8221;][\/vc_column_inner][vc_column_inner column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; uncode_shortcode_id=&#8221;151251&#8243;][vc_custom_heading text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;141013&#8243; text_color_type=&#8221;uncode-palette&#8221;]When it comes to the retirement pension depot, the winner is the one with the best database[\/vc_custom_heading][vc_column_text text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;118465&#8243; text_color_type=&#8221;uncode-palette&#8221;]Read the in-depth thought leadership article by our Chief Growth Officer, Susanne Krehl, now.[\/vc_column_text][vc_button button_color=&#8221;color-217939&#8243; border_width=&#8221;0&#8243; uncode_shortcode_id=&#8221;950059&#8243; button_color_type=&#8221;uncode-palette&#8221; link=&#8221;url:https%3A%2F%2Fwealthapi.eu%2Fen%2Fwhen-it-comes-to-the-retirement-pension-depot-the-winner-is-the-one-with-the-best-database%2F|title:When%20it%20comes%20to%20the%20retirement%20pension%20depot%2C%20the%20winner%20is%20the%20one%20with%20the%20best%20database|target:_blank|&#8221;]Read more[\/vc_button][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/1&#8243;][uncode_block id=&#8221;2025&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;105432&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;935573&#8243;][\/vc_column_text][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243;&hellip; <a class=\"continue\" href=\"https:\/\/wealthapi.eu\/en\/retirement-savings-account\/\">Continue Reading<span> Retirement Savings Account<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-8181","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Retirement Savings Account - wealthAPI - Superior Wealth Data<\/title>\n<meta name=\"description\" content=\"Altersvorsorgedepot data for banks, brokers and insurers: one API, 3,500+ connected institutions and a complete view of your customers&#039; wealth.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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