Business · Markets · 3 hrs ago
Trade Republic plans a fee-free German retirement account with 51 ETFs
Trade Republic plans to offer a German retirement account with no fees for 51 selected ETFs.
The Berlin-based company says customers will pay no account fees, savings-plan execution fees or ongoing product costs for those funds.
Monthly savings plans are set to trade through Xetra’s daily closing auction, avoiding the usual gap between buying and selling prices.
The account is part of a planned state-supported pension system that is due to replace Germany’s Riester pension on 1 January 2027.
Savers are expected to choose investments such as diversified ETFs, funds or European government bonds, while individual shares, crypto assets and leveraged products are excluded.
Rivals Scalable Capital and Smartbroker have also announced free-account offers, while Deka charges 0.1% a year for its standard model.
How long Trade Republic’s zero-fee offer will last is unclear, because it has not given a binding guarantee for the fund selection.
Trade Republic plans to offer a state-supported German retirement account with no fees.
The company says 51 selected ETFs will have no ongoing product costs, in addition to no account or savings-plan execution fees.
The selection includes 39 equity ETFs and 12 bond funds from BlackRock, DWS and Vanguard.
Monthly savings plans are to be executed through Xetra’s daily closing auction, avoiding the buy-sell spread.
The account is planned to launch on 1 January 2027, when it is intended to replace the Riester pension.
- Who
- Trade Republic, a Berlin-based financial company, plans to offer the account.
- What
- It plans a retirement account with no account fees, savings-plan execution fees or ongoing costs for 51 selected ETFs.
- When
- The account is planned to start on 1 January 2027.
- Where
- Germany.
- Why
- The account is part of the planned state-supported private retirement system. Trade Republic is competing for long-term savers.
This story does not have two clearly opposing sides.
Yahoo Finanzen Deutschland reported Trade Republic’s plan to offer the account without fees.
The planned retirement account is due to start and replace the Riester pension.
- ETF selection
- 51 funds
- Equity ETFs
- 39
- Bond funds
- 12
- Fund providers
- BlackRock (iShares), DWS (Xtrackers) and Vanguard
- Planned launch
- 1 January 2027
Sources
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