Retirement Savings
The German government has approved the Altersvorsorgedepot as the new framework for state-supported retirement savings. From January 2027 self-employed people and civil servants will also be eligible. The Riester pension scheme ends at the close of this year.
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The Employees' Provident Fund (EPF) interest rate has remained at 8.25%. For many salaried employees, EPF and Voluntary Provident Fund (VPF) are trusted tools for retirement savings. Some investors are wondering whether to continue contributing to VPF or shift extra savings to Systematic Investment Plans (SIPs) for better long-term returns.
January 04, 2026 12:36