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𝐖𝐡𝐨 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐫𝐞𝐚𝐝𝐲 𝐟𝐨𝐫 𝐆𝐞𝐫𝐦𝐚𝐧𝐲’𝐬 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐫𝐞𝐟𝐨𝐫𝐦 𝐨𝐧 𝟏 𝐉𝐚𝐧𝐮𝐚𝐫𝐲 𝟐𝟎𝟐𝟕? When the Altersvorsorgedepot takes effect, millions will be eligible to open tax-advantaged investment accounts. 𝐁𝐮𝐭 which providers will be ready to lead this transformation? Success comes down to having the right systems, processes, and infrastructure in place: ✅ End-to-end bonus administration for subsidies and automated authority reporting (e.g. with ZfA and BZSt) ✅ Advanced tax logic and regulatory reporting for automated handling of multiple tax pots and contribution sources, including parallel tax logics ✅ Fully digital and real-time end user onboarding with the transfer of existing Riester contracts ✅ Modern product offering with access to a broad range of asset classes including fractional investing from €1 ✅ Rule-based product differentiation at system level with clear separation between the flexible 𝘈𝘭𝘵𝘦𝘳𝘴𝘷𝘰𝘳𝘴𝘰𝘳𝘨𝘦𝘥𝘦𝘱𝘰𝘵, the 𝘚𝘵𝘢𝘯𝘥𝘢𝘳𝘥𝘥𝘦𝘱𝘰𝘵, and the 𝘍𝘳𝘶̈𝘩𝘴𝘵𝘢𝘳𝘵-𝘙𝘦𝘯𝘵𝘦, including enforcing contribution limits and a maximum of two contracts per end user ✅ Competitive cost structure driven by automation and reduced operational overhead Being ready today is the difference between leading the market and chasing it. To prepare, here’s a checklist to assess your readiness to launch pension investment offerings seamlessly from day one. 👇