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.

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Pension Experts Sven Gehle & Dr. Chris Mulder

Your next chance to learn everything you need to know about the German pension system


March 6, 2024

7 p.m. CET


Discover the 3 most important aspects of pensions in Germany

Pension Gap Germany

Beware of the pension gap

The public pension in Germany is higher than in many other countries, but we recommend that you do not rely on it solely. Most people can only rely for ⅓ of their pension needs on the public pension. With a growing life expectancy, most people should plan for over 20 years in retirement. You need to take charge, and the sooner the better. For many  ⅓ of the gap can be covered by buying a home and ⅓ through supplemental pension provision. Learn from us how you can best cover that gap.

Sample Calculation Rürup pension

State-subsidized pensions unfortunately do not work

We have studied and modelled the German pension system in-depth and can now show you why state-subsidized pension schemes such as the company pension plans, or the Riester or Rürup options will not yield anywhere near enough in retirement. For the same contribution, there are alternatives that give you a much higher net pension!

Pensionfriend Pension Plan vs direct ETF investment

A great option: when ETFs meet life insurance

Few realize that ETF-based private pension insurance can offer tax advantages and not just special insurance benefits, that make them better then outright ETFs or state subsidized pension plans. With Pensionfriend we designed an option without all the upfront cost and hidden fees of an insurance plan, with the flexibility of ETFs. Discover which portfolio choices you need to make and how best to make them, and which portfolios have the best potential for closing your pension gap [and how we select ETFs that outperform the MSCI World by a wide margin].

"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.

Awesome, I'm in!

What is Pensionfriend?

Pensionfriend is an ETF-based Private Pension Plan. We recommend the optimal composition of 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.

Learn more about Pensionfriend

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.

Check out our other webinars:

Pensionfriend Webinar How to Save and Buy a House

How to best save for your house purchase in Germany

Investment Webinar Pensionfriend

How to invest in Germany: ETFs and Pension Plans explained

Meet your hosts

Dr. Chris Mulder, CFO and Co-Founder of Pensionfriend
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Dr. Chris Mulder

Dr. Chris is a former senior economist and manager at the International Monetary Fund and the World Bank. His wealth of experience, insights, and forecasts on pensions, retirement planning, and investment are of particular benefit to our customers.

Sven Gehle, Pension & Mortgage Expert at Pensionfriend

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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March 6,



March 20,