Upvest’s Head of Strategy Tine von Villiez spoke at BlackRock’s panel alongside Dr. Carsten Brodesser and Christian Bimueller to discuss how the Altersvorsorgedepot can move from legislation to… | Upvest
Upvest’s Head of Strategy Tine von Villiez spoke at BlackRock ’s panel alongside Dr. Carsten Brodesser and Christian Bimueller to discuss how the Altersvorsorgedepot can move from legislation to reality by January 1, 2027. In the panel 𝐷𝑒𝑢𝑡𝑠𝑐ℎ𝑙𝑎𝑛𝑑𝑠 𝑅𝑒𝑛𝑡𝑒𝑛𝑠𝑦𝑠𝑡𝑒𝑚 𝑛𝑒𝑢 𝑔𝑒𝑑𝑎𝑐ℎ𝑡 – 𝑃𝑜𝑙𝑖𝑡𝑖𝑘 & 𝑃𝑟𝑎𝑥𝑖𝑠, Tine highlighted three key enablers for a successful launch: 👉 𝐓𝐞𝐜𝐡𝐧𝐢𝐜𝐚𝐥 𝐫𝐞𝐚𝐝𝐢𝐧𝐞𝐬𝐬 𝐮𝐧𝐝𝐞𝐫 𝐭𝐢𝐠𝐡𝐭 𝐭𝐢𝐦𝐞𝐥𝐢𝐧𝐞𝐬 The 2027 start date is achievable, but only if political guardrails are finalised early and providers are able to handle the complexities, including integrations and data exchange with authorities, tax administration, and reportings. 👉 𝐌𝐨𝐝𝐞𝐫𝐧 𝐩𝐫𝐨𝐝𝐮𝐜𝐭 𝐝𝐞𝐬𝐢𝐠𝐧 𝐝𝐫𝐢𝐯𝐞𝐬 𝐚𝐝𝐨𝐩𝐭𝐢𝐨𝐧 The Altersvorsorgedepot will only scale if providers can offer flexible, digital-first products, including clear differentiation between pension products, enforcement of contribution limits, and broad asset access through fractional investing from €1. 👉 𝐏𝐫𝐨𝐯𝐢𝐝𝐞𝐫 𝐞𝐜𝐨𝐧𝐨𝐦𝐢𝐜𝐬 𝐝𝐞𝐜𝐢𝐝𝐞 𝐦𝐚𝐫𝐤𝐞𝐭 𝐚𝐝𝐨𝐩𝐭𝐢𝐨𝐧 High manual effort and operational overhead quickly erode margins for providers and returns for the end users. Standardised processes and automated reporting are essential to make large-scale distribution economically viable. For the Altersvorsorgedepot to reach its full potential, it must be flexible, digital, and cost-efficient. At Upvest, we empower financial institutions to focus on the user experience and growth, rather than complexity. Want to launch pension products as soon as the reform takes effect? Let’s talk: 💡 upvest.co/contact