Unlock The Secrets of the German Pension System
We've already helped thousands of expats understand how their German pension works with this webinar. Register for free and find out for yourself.
The German pension system is complex and we see many people making very costly mistakes in planning their pension and investment. Your next chance to learn the key insights:
December 18, 2024
7 p.m. CET
Discover the 3 most important aspects of pensions in Germany
Beware of the pension gap
Most people should plan for over 20 - 25 years in retirement, and women and higher educated even more. The public pension in Germany can help most people cover ⅓ of their pension needs. That is not near enough for a comfortable retirement, let alone to retire early, or pursue dreams like a career switch, a sabbatical, or a second home. You need to take charge and make your money work for you, and the sooner the better. Learn from us how you can best cover that gap.
Most supplementary pensions really do not work
We have studied and modelled the German pension system options, including all tax benefits and conditions. For example, company pension plans have severe investment limitations and reduce your public pension; Rürup pensions require an annuity that is very disadvantageous when interest rates are so low. Taxation differs for each pension system and are mind boggling. Our Phd's have modelled it all so we have the hard numbers. We can show you quite exactly what works and what not.
A great option: when ETFs meet life insurance
Few people realize that ETF-based private pension insurance can offer tax advantages as well as special insurance benefits, that make them better then outright ETF investments or state subsidized pension plans. We started Pensionfriend to offer this option without the high cost, the upfront fees of the usual insurance plans, and with the flexibility of withdrawal of an ETF plan. We selected optimal automated ETF portfolios without charging you extra. Join us and learn about optimal portfolios and the difference it makes for your pension.
"What if I already have a company pension plan, Riester, Rürup, or similar?"
Don't worry! We will compare the different options in the webinar and can share articles about the pros and cons of the various pensions. We can discuss whether switching makes sense or if you're better off sitting tight.
What is Pensionfriend?
Pensionfriend is an ETF-based Private Pension Plan. We help you choose the optimal composition from our outperforming portfolios. You benefit from tax-free, automatic rebalancing so you can retire with more! Our mission is to help people make the best of Germany's Pension System by making the impact of pension and other investment choices as concrete and tangible as possible. We are your reliable, insightful, low-cost pension advisor.
Feel free to contact our advisors for more information
Get more details about the product and your portfolio by booking an appointment with our specialists.
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Meet your hosts
Dr. Chris Mulder
Dr. Chris worked at the International Monetary Fund and the World Bank. He advised public clients investing hundreds of billions in assets. They are subject to the highest level of scrutiny. He now brings the same level of dedication and reliability to helping you achieve a great retirement plan.
Sven Gehle
Sven worked for years for Deutsche Bank and other brokers and has a wide knowledge of the different financial topics. He consults and supports his clients with all questions from the first contact on.
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