Altersvorsorgedepot: Renten-Chance oder teure Verkaufsfalle? | 50K HR

From 2027, the new retirement savings account is supposed to replace the failed Riester pension scheme—but is the reform really any good? In this episode of 50k, we take a close look at how the new government-subsidized securities account works, who really benefits from it, and where the catches lie. While experts welcome the higher return opportunities on the capital market, they simultaneously warn of excessive costs, social inequality, and a complexity that simply overwhelms many savers. Chapter overview: 00:00 Intro 00:58 The pension problem 02:36 The retirement savings account 05:21 Speculation instead of security? 12:03 Problem of trust 17:15 Conclusion -------------- Note: This video is a contribution from the financial program "50k" by HR. It was published on June 24, 2026, on the ARD Marktcheck channel. Consumer content from all ARD broadcasters is gathered here on this channel. 😊 By the way: Since MARKTCHECK is part of ARD, you can download this video for free over Wi-Fi and watch it offline on the go! ---------------- 📢 Are you making private provisions for your retirement? What's your opinion on the German pension system? Let us know in the comments! 🔔 If you enjoyed the video, please give it a like and subscribe to ARD Marktcheck for more exciting investigations. Subscribe here:    / @marktcheck   Save the date 👇 The next episode of 50k on the ARD Marktcheck channel on July 8, 2026, will be about financing your campervan. 👋 WELCOME TO 50k! 50k with host Naïma Kunze adds to the diversity on the ARD Marktcheck YouTube channel and helps you manage your finances better! ✔ We'll give you that extra piece of information you haven't had on a financial topic before. Gold, real estate, stocks – do you like to delve into topics down to the last detail and are looking for a way to boost your bank account? We've got you covered! Our format name, 50k, is based on the average German income – and we want you to get the most out of your money. That's why every other Wednesday at 5 p.m., there's a new, exciting video with our host, Naïma Kunze, covering topics like investments, retirement planning, stocks, ETFs, and more. We also fulfill your desire for financial security with our expert panel – mostly from the financial capital: Frankfurt am Main. The team behind this episode from Hessischer Rundfunk (Hessian Broadcasting): Host: Naïma Kunze Script: Christof Dörr Research: Christof Dörr Editor: Davide Di Dio Expert: Prof. Olaf Stotz, Frankfurt School of Finance & Management Image source: Adobe Stock | ikkiae01, IMAGO / AI was partially used to create the thumbnail --------------------- ►    • ETFs für die Rente: Alles Wichtige zum Ent...   ►    • So verlierst du im Ruhestand | 50K HR   ►    • Deine Rente ist NICHT sicher! 👉 Was du tun...   ►    • Berufsunfähigkeit - versichern, ja oder ne...   ►    • DESHALB haben die Deutschen Angst vor Akti...   --------------------- ► More current information on our homepage: https://marktcheck.ard.de ► More practical everyday tips and tricks on our Facebook page:   / ard.marktcheck   ► We look forward to your comments – but please observe our netiquette: https://www.swr.de/home/netiquette-10... ► Our legal notice: https://www.swr.de/impressum/ ► Our privacy policy: https://www.swr.de/datenschutz #retirementplanning #pension #retirementplanning #investing