Commission-free
Account, savings and withdrawal plans commission-free1
Retirement account
The new era of private retirement provision
The Scalable Retirement account with state subsidies of up to €540 base subsidy and €300 per child yearly. Add it now and win an annual bonus equal to the maximum base subsidy.
Investing involves risks.
Terms and conditions apply.
State subsidies
Up to €540 in state base subsidies yearly and €300 per child per year.
Pension Bonus
Invest without product costs for selected ETFs2.
2 Special conditions apply
Powering your payout
Win a bonus of €540 yearly until you retire. Simply add the Scalable Retirement account to participate. Terms and conditions apply.
Retirement provision calculator
Retirement account: Calculate estimated additional pension.
How the state supports
Benefit from direct subsidies and additional tax advantages when building wealth.
Base subsidy: Up to €540 annually from the state.
Additional bonuses: Up to €300 per child/year and a one-off bonus of €200 for under-25s.
Tax advantage: Capital gains and distributions tax-free until retirement, plus up to €497 refund per year possible3.
3 Assumptions: €1,800 annual personal contribution, €540 subsidies, 42% marginal tax rate, 5.5% solidarity surcharge. Deductible in your tax return as special expenses.
Two paths – one goal
Both variants offer the same subsidies and tax advantages.
Standard account
Simple: You don't have to worry about a thing.
Standard account
State subsidy
Every year up to €540 base subsidy and €300 per child from the state. Additional tax advantages.Simple portfolio
Age dependent allocation in an equity ETF for growth opportunity and a lower risk bond ETF. Can be adjusted at any time.Commission-free
€0 for account and savings plans. 0% p.a. product cost, plus spreads.
Self-directed
Flexible: You invest with ETFs, Private Markets & Co.
Self-directed
State subsidy
Every year up to €540 base subsidy and €300 per child from the state. Additional tax advantages.Broad selection
Select from stock, bond and commodity ETFs, private markets and more and reallocate at any time.Pension Bonus
Product costs for selected ETFs are reimburse
For Pension Bonus ETFs, Scalable reimburses and reinvests the product cost (TER) back into your ETFs. According special conditions apply.
Flexible pension provision at fair terms
Product costs, spreads and/or inducements may apply. 0% TER for selected ETFs until 31/12/2027. For Retirement Bonus ETFs, Scalable reimburses and reinvests the product cost (TER) back into your ETFs. According special conditions apply.
FAQ
Further answers to frequently asked questions on the Retirement account can be found in our FAQs.