Imagine retirement: you are relaxed, enjoying the sun, and you don't have to worry about money. That is what a good private pension does. The old models with low interest are gone. Today, we use the power of the global stock market, combined with the safety of an insurance "wrapper."
Julia's Story: A pension that "breathes" with her life
Julia is 32 and works as a marketing expert. She is ambitious, loves her freedom, and knows she cannot rely only on the state pension. "I want to live well now, but also have enough later," she told me. She didn't want a rigid contract for 35 years. What if she takes a break or works less later?
We built a plan based 100% on cost-efficient ETFs. Julia pays an amount that fits her budget today. If she gets a promotion, she can pay more. If she needs money for something else, she can take a break.
This flexibility is very important. Julia now uses the growth of the MSCI World inside a plan that guarantees her a monthly pension for life – no matter how old she gets. Julia says: "It's a great feeling to know my future is growing while I stay flexible."
Why ETFs in an insurance plan are smart for Expats in Germany
You might ask: why not just use a normal bank account? A bank account is good for short-term savings. But for retirement, an insurance plan has huge benefits:
- Lifelong Pension: A bank account can become empty. An insurance plan pays you for life, even if you live to be 100.
- Tax Savings: In a bank account, you pay tax on gains every year. Inside this plan, your money grows tax-free. You only pay a small tax at the end.
- Flexibility: You can change your ETFs at any time without extra costs or taxes.
- Expat Friendly: You can take the plan with you if you leave Germany.
Smart Growth for your Retirement
Modern ETF-based pensions are transparent and flexible. We can adapt your strategy over decades. Whether we use a "net policy" (low cost) or a classic plan with high guarantees, we decide together.
Retirement saving doesn't have to be boring or hard. With the right strategy, it becomes a tool for your freedom. In our Remote consultation, we find the best path for you.
Requirements for Expats
- Valid German Address (Anmeldung)
- German Bank Account (IBAN)
- German Tax ID
Frequently Asked Questions (FAQ)
What is unit-linked pension insurance?
Why should I use ETFs?
How flexible is the contract if my life changes?
What tax advantages does it offer in Germany?
Can I take all my money out at once?
What happens if I die before retirement?
Related Topics - Pension & Provision:
Price Transparency
In Germany, insurance premiums are regulated by law. This means you pay the same price whether you buy directly from an insurance company or through a broker like me. My expert advice and personal support are already included in the premium – there are no extra costs for you.