Private Pension

Private Pension Solutions

In which cases does a private pension in Germany makes sense for you as an expat?

Private Pension
Private Pension


Almost every insurance company and bank in Germany offers a private pension scheme. Such schemes are extremely flexible. 

They not only offer you the possibility of investing in fund selections, both managed and individual, but also offer great flexibility and tax incentives. They are an obvious choice for expats living in Germany.

Private Pension plan Germany
Private Pension

What a private pension can offer you

Most private pension plans today are fund based offering you the possibility of a good return on your investment even in todays low- interest market. Depending on the amount of risk that you would like to take with your investment, the returns have historically been between 3% and 9% after costs, obviously the higher the risk that you are prepared to take the higher the possible returns however there are at least 5 different risk classes to choose from and there is something there for everyone’s risk profile, ranging from the very cautious to the very adventurous. Due to the compound interest private pension scheme should run for a long time and then before it reaches maturity (when the shares are at a high) to change to a very low-risk portfolio strategy.

You can also select between full or part capital payment or lifelong pension when it reaches maturity. It’s possible to draw money from it at any time should you need to do so. You can even cancel the private pension fund scheme before it reaches maturity whereupon you’ll obtain the amount that has been saved up and until then. However, this has tax drawbacks.


Key features of the private pension plan

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Get objective advice now on private pension plans in Germany

Our certified experts will give you a good overview of the German pension system, compare all private options for you and find you the best value for money based on your individual needs.
More than 400 expats already trust in our expertise.
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What our clients say about our financial advisory

„since I moved to berlin, running finances and investment in Germany felt so complicated. this was my first financial consultation and as a matter of fact I’d describe it as enlightning.

Fabian was very patient to answer my basic questions and took a lot of time to guide me through the different short-term/long-term opportunities and types of insurances and explained the related German jargons that seemed scary before into plain english .

He was very timely in his followups. and overall I had a very smooth experience and felt no pressure towards specific options or plans, and I rather ended up with a tailored and easy to change plan. I would highly recommend especially for internationals. „
Mohammed Monem
Senior Software Engineer
„Great pleasure to work with Fabian Beining. A big plus for me was that he speaks English fluently.

He explained to me the complicated German insurance system in great detail and with a lot of competence.

He tailored the necessary insurances to my needs. Thank you very much for the collaboration!
Rositsa Stoykova
PhD Student Chemistry
Fabian, Dennis and the team are excellent to work with! They’re the first financial advisors to actually listen to my needs and formulate great plans for short-mid-long term growth!

Their English is excellent too for any expat looking for sound financial advice in English. I highly recommend them and I wish them all the very best for future growth.
Luceinne Lopez
Digital Marketing Manager
It has been very easy to work with Fabian so far. He is good communicating all the relevant information and is always available for questions.

The financial plan we came up together was really tailored to my goals and it has been working out really well.
Bidesh Thapaliya
Senior Software Developer

Why you should join our group of clients

Our goal is to become the number 1 contact for expats in Germany when it comes to finance. We achieve this by acting exclusively in the interest of our clients and providing unique transparency in our advice.

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Frequently asked questions

Here you will find answers to frequently asked questions:

The entire consulting process is completely free of charge for you.

Here we distinguish between one-time payments and monthly savings plans.

A one-time payment makes sense for us from 30.000 euros. For the monthly savings plans, there should be a monthly surplus of at least 1000 euros per month.

Yes! As a financial broker we only work on behalf of our clients.

We are not bound to any products, banks or insurance companies and can therefore offer you an objective overview of all existing products.

Our consulting services are mainly addressed to employees, self-employed persons and entrepreneurs.

However, we also offer special financial coaching to master’s or PhD students in order to optimally prepare their entry into professional life.

We completely waive costs that are customary in the industry, such as issue surcharges, kick bags, or provider-oriented commissions.

Should we decide to work together after several consultations, we will receive 0.6% p.a. of the invested capital or a comission from the insurance company.

Get indepedent and professional advice on your finances.