# Designing your German pension offering

Depending on the selected pension account - **Altersvorsorgedepot** or **Standarddepot** - you can offer different investment experiences and use cases to your users:

### 1. Standarddepot - a standardised, low-risk, and tax-deferred retirement savings account.

The Standarddepot offers a simple investment setup focused on two pre-selected funds or ETFs, selected by you according to prescribed risk classifications. This option is designed for users seeking a simple and low-risk retirement solution.
As per the current legislation, it is mandatory to offer the Standarddepot.

### 2. Discretionarily managed Altersvorsorgedepot

A diversified and professionally managed portfolio solution where you manage investments across the eligible asset universe (e.g., ETFs, funds, ELTIFs, bonds) according to a model or personalised portfolio aligned with the investor’s risk profile.

### 3. Self-directed Altersvorsorgedepot

A flexible, user-controlled retirement solution where users can freely select, buy, and sell from the full range of eligible instruments. This setup can be combined with Upvest’s portfolio and savings plan functionality such as automated rebalancing or self-selected lifecycle models, enabling an “investing on autopilot” experience.