Pension and investing
Retirement planning and investments for expats in Germany
The German state pension covers only part of your needs. Here is how to think about pension, savings and investments as an expat.
Book your free Financial Clarity CallKey questions
What to clarify first
Your pension gap
Compare what the German pension system will pay with the income you want later. Most expats find a gap.
Company and private pension
Employer pension and private contracts can close the gap. Check conditions, costs and what happens if you change jobs or leave Germany.
Investing regularly
Savings plans and funds build wealth over time. Costs, risk and time horizon decide what fits.
Taxes on your plan
Contributions and returns are taxed differently depending on the product. Planning this early saves money.
Guides
Read more
Pension in Germany
Why the state pension alone is rarely enough.
Systematic investment plans (SIP)
Regular investing, explained for expats.
Kids saving plan
Building savings for children.
Private equity and ELTIF
Investment options beyond standard funds.
Building society savings agreement
A savings route linked to later financing.
Optimize your taxes
Ways to reduce your tax burden legally.
Five-year plan for Indian expats
Planning a stay of a few years and what follows.
Next step
Talk to us about your situation
30 minutes, free, no obligation. The consultation is free for you; we are paid by the provider only if you sign a product. See how we work and how we are paid.
Book a callGeneral information, not tax or legal advice. Rules depend on your personal situation.
