Generally, I don’t like Rürup products because the fees are too high (subscription, and during the saving phase, and during the retirement phase).  The only exception might be if I can find a product that provides no capital guarantee (which I don’t need as it is very ‚expensive‘) and allows me to invest in ETF, flexibly and the way I want.

Allianz has such a product: Allianz InvestFlex, with access to ‚Einzelfonds‘, including 4 ETFs:

• ComStage ETF DAX FR (LU0488317024)
• ComStage ETF EURO STOXX 50 FR (LU0488317297)
• ComStage ETF MSCI World (LU0392494562)
• ComStage ETF S&P 500 (LU0488316133)

Do you know any other Rürup product that provides direct investment in ETFs, and a larger choice?