Allvest GmbH

Allvest is a German digital retirement insurance product marketed under the Allvest brand and powered by Allianz. It is designed as an innovative and unusually flexible private pension solution that lets savers build retirement provisions, cash reserves, or supplementary income through a single online contract. The product is positioned around the idea that "your money can do more" — that is, it aims to combine security, attractive returns, and constant availability rather than forcing customers to choose between safety and yield. The core design splits contributions into two building blocks. The first is a safety component (Sicherheitsbaustein) backed by Allianz's security assets, which currently offers a guaranteed interest rate of 4.5% per annum on deposits. The second is a return component (Renditebaustein) invested in ETFs and investment funds at large-investor terms. At contract signing, customers choose an individual guarantee level of 60%, 80%, or 90% of their deposits at a selected guarantee date. Based on that guarantee level and the time remaining until the guarantee date, deposits are allocated between the two blocks. This structure is intended to give savers both downside protection and equity-market upside. Allvest is fully digital, which the provider presents as a reason for its low cost. Customers can pay in and withdraw online at any time, and the product carries the tax advantages of a German pension insurance policy. It is also flexible at the payout stage: instead of a lifelong annuity, a lump-sum capital payment is possible. The product has been recognized by several German testing and rating organizations, with the official website citing results from 2024, 2025, and 2026 from the F.A.Z. Institute, WELT, Focus Money, WirtschaftsWoche, CHIP, and Deutschland Test, including 37 first-place, 6 second-place, and 3 third-place results. Allvest is aimed at German retail savers who want a digital, transparent alternative to traditional insurance or pure bank savings. Its branding and communications emphasize the combination of stability and return opportunities, the flexibility of online deposits and withdrawals, and the tax treatment of a pension insurance wrapper. The product is closely tied to Allianz, whose logo and security assets underpin the safety component.

Allvest is a German retirement insurance product developed by Allianz and marketed under the Allvest brand. It was created as an innovative and unusually flexible pension insurance solution for the German market, at a time when low interest rates and changing retirement expectations pushed insurers toward digital, capital-market-oriented products. Rather than offering only a classic guaranteed annuity, Allvest was designed to let customers combine a security component with an ETF-based return component and to choose their own guarantee level. The product is built around two building blocks. The safety component (Sicherheitsbaustein) is backed by Allianz's security assets and currently offers a guaranteed interest rate of 4.5% per annum on deposits. The return component (Renditebaustein) invests in ETFs and investment funds at large-investor terms. At contract signing, customers select an individual guarantee of 60%, 80%, or 90% of their deposits at a chosen guarantee date. The allocation between the two blocks depends on the guarantee level and the time until the guarantee date. This structure is intended to deliver both stability and return opportunities. Allvest is fully digital, which the provider presents as the basis for its low cost. Customers can make deposits and withdrawals online at any time. The product also carries the tax advantages of a German pension insurance policy and offers flexibility at payout: instead of a lifelong annuity, a lump-sum capital payment is possible. The official website highlights recognition from German testing and rating organizations, citing results from 2024, 2025, and 2026 from the F.A.Z. Institute, WELT, Focus Money, WirtschaftsWoche, CHIP, and Deutschland Test, with 37 first-place, 6 second-place, and 3 third-place results. Allvest is closely tied to Allianz, whose logo and security assets underpin the safety component.

• Allvest is developed and marketed by Allianz as a digital, ETF-based retirement insurance product.

• Official website cites test results from 2024, 2025, and 2026 from F.A.Z. Institute, WELT, Focus Money, WirtschaftsWoche, CHIP, and Deutschland Test.

Digital, flexible, ETF-based retirement insurance combining a guaranteed safety component with return opportunities, backed by Allianz.

• Allvest retirement insurance

  Digital pension insurance with a safety component backed by Allianz security assets and a return component invested in ETFs and investment funds.

• Safety component (Sicherheitsbaustein)

  Backed by Allianz security assets, currently offering 4.5% p.a. guaranteed interest on deposits.

• Return component (Renditebaustein)

  Invests in ETFs and investment funds at large-investor terms.

1. 1Die intelligente Lösung für Ihre Geldanlage | Allvestallvest.de
2. 2Allvest GmbHwikidata.org