Germany’s pension reform marks one of the most significant shifts in the country’s retirement landscape in decades. As institutions race to adapt, additiv has responded with production-ready digital solutions for banks, insurers, IFAs as well as asset managers and non-financial institutions – helping them navigate the transition with speed and confidence.
Germany’s retirement savings market is being fundamentally restructured
Starting January 2027, the “Altersvorsorgereform” introduces capital market-based products at the core of state-subsidized private pensions, replacing legacy frameworks with a new generation of flexible, investment-oriented solutions that offer more flexibility and choice for customers in Germany.
To support institutions through this transition, additiv has launched a dedicated solution offering:
https://altersvorsorgedepot.additiv.com/ (in German)
A paradigm shift: Digital, investment-based and open to competition
The reform introduces a state-subsidized retirement investment account (Altersvorsorgedepot), which also needs to be offered via digital channels as a simplified, standardized product (Standarddepot). Millions of legacy “Riester” contracts are expected to be migrated to the new product, creating an immediate, large-scale demand event for every institution that wants to retain, or win, those customers. In addition, a new child retirement account scheme is going to be implemented (Frühstart-Rente) and complements the new range of subsidized pension products in Germany.
Serving this demand requires modern, purpose-built infrastructure: fully digital onboarding, real-time data flows, automated subsidy processing, digital portfolio and investment management, and where applicable, MiFID II / IDD-compliant advisor workflows. Alongside established players, new entrants from banks to neo-brokers and platform providers are entering the space at speed, intensifying competition for this market.
“This reform marks a genuine paradigm shift for German private pensions,” said Nils Frowein, CEO of additiv. “For the first time, capital market-based products are sitting at the heart of state-subsidized retirement savings. Institutions that are now establishing scalable digital infrastructure will secure long-term customer relationships – and with millions of Riester contracts up for migration, the window to act is open.”
Ready to deliver: New reform products on your omnichannel AI-powered platform
additiv’s platform covers the new products of the reform right from the start: the Standarddepot as the entry level digital first product, the Altersvorsorgedepot – supporting both investment-based and guarantee-based product configurations – as the successor to legacy Riester, and the new Frühstart-Rente for early starters and generational savings.
Offered as white-label solutions or quickly adapted to individual needs, additiv’s omnichannel platform serves all channels including web, mobile, advisor cockpit, and embedded channels. It provides fully branded, compliant and integrated workflows connected to existing systems or ecosystem partners without requiring disruptive IT overhauls.
Built on a modular, API-first, AI-powered platform architecture, additiv combines technological depth and proven pension market expertise. No lengthy specification phases. No big-bang projects.
Are you pension reform-ready?
The reform timeline is set. The competitive landscape is taking shape. Are you ready?
Explore additiv’s dedicated pension reform resource to understand our offering and discover how the additiv platform enables your organization to capture the upcoming opportunities.
https://altersvorsorgedepot.additiv.com/ (in German)
