You're building a career in Germany. Who's building your retirement?
The German state pension will cover about 36% of your income when you stop working. We help internationals build the rest themselves, tax optimized and fully in English.
.avif)
.svg)
Most expats have no idea what the German pension system will pay them. We show you the real number.
.svg)
The difference between what you'll receive and what you'll need adds up to hundreds of thousands over a lifetime.
.svg)
There are legal ways to redirect your taxes into your own retirement fund. Most high earners never use them.
.svg)
Whether you stay in Germany or leave, we build a strategy that travels with you and grows regardless.
The truth high income expats never hear
Most expats assume the German public pension is safe. It is not. It is a pay as you go system that depends on today's workers funding today's retirees. Germany is running out of workers and drowning in retirees. Result?
.svg){kind=small}
When you pay into the gesetzliche Rente you are not investing. You’re donating.
The system is collapsing under demographic pressure. Your generation will pay the price with higher contributions and lower payouts.
With the right private pension strategy:
.svg)
While the public pension burns your contributions, private pensions grow them.
Book your free consultation and get a personalized retirement roadmap built around your income, your plans, and your life in Germany.
Hard numbers comparison
Scenario: You invest €15,000 per year between ages 30 and 60.
So why stay in public pension?
There is only one reason.
High income expats who rely solely on public pension will retire into disappointment, not security.
.svg)
A pension that actually works for you.
How we help you build it. Step by step.
Every conversation happens in English. Every recommendation is built around your situation. We never push you toward a product that doesn't make sense for where your life is going.
Immediate Tax Relief
Germany allows you to deduct up to €29,344 per person per year from your taxable income if structured correctly. Less money lost to the Finanzamt. More cashflow today. Taxes redirected, not avoided. Instead of funding the system, you fund your future.
Compounding Growth
Your deducted taxes get invested into real growth assets. Globally diversified ETFs, long term capital market strategies, and structures designed to outperform inflation. Compounding does the heavy lifting quietly and consistently over time.
Future Flexibility & Control
Our pension strategies are built for expats who may leave Germany, want control over their investments, and care about real outcomes. The goal is not just a pension. The goal is options. Options in retirement, in location, and in how and when you access your wealth.
Turn your taxes into your pension
Most high earners in Germany watch 40 to 45% of their income disappear every year. Here is what the wealthy do instead.
Most people treat taxes as a loss. High earners feel it even more.
This is not a loophole. This is how the system was designed, for people who know how to use it.
Germany lets you deduct up to €29,344 per year from your taxable income if you put that money into an approved pension structure.
That deducted money then gets invested into:
This is not a loophole. This is how the system was designed, for people who know how to use it.
A strategy built for your life. Not what makes someone else money.
Most financial advisors in Germany push products first and people second. They tell you to buy a pension or a property or an insurance tariff, even if it doesn't fit your life, your goals, or your situation.
Book your free consultation and get a personalized retirement roadmap built around your income, your plans, and your life in Germany.
Meet the people behind your financial clarity
Licensed, independent, and not connected to any pension provider. We built Expats Invest so internationals in Germany could finally get honest financial guidance in plain English, without hidden incentives or products pushed for the wrong reasons.
Chief Executive Officer & Founder
Chief Executive Officer & Founder
Partner / Founder of PerFinEx
Partner / Founder of Advicon.tax
Head of Financing
Senior Consultant
Senior Consultant
Consultant
Assistant Consultant
Consultant
The questions everyone asks before they start.
Straight answers. No sales pitch.
Do I really need a private pension if I already pay into the German system?
Yes, for most expats. The public pension is projected to pay around 36% of your pre retirement income. For high earners that gap is enormous. A private pension is how you close it on your own terms.
How much can I actually deduct from my taxes?
Up to €29,344 per year as a single person, and double that for couples if structured correctly through an approved pension vehicle. We calculate your exact deduction in your first free session.
What happens to my pension if I leave Germany?
Most private pension structures we recommend are fully portable. You keep your assets, your returns, and your flexibility regardless of where you live. This is one of the main reasons we focus on ETF based structures rather than traditional German insurance products.
Can I start even if I plan to leave Germany in a few years?
Yes. In fact starting early and building in portability from day one is exactly the right approach. We design every plan with your full life trajectory in mind, not just your current address.
What's the minimum I need to invest per month?
There is no fixed minimum. We look at your income, your tax bracket, and your goals to figure out what contribution makes the most impact for your specific situation. Some clients start with €200 per month. Others redirect significantly more.
Is this just another insurance product?
No. We specifically avoid high fee German insurance wrappers that lock you in and eat your returns. We focus on low cost ETF based pension structures that give you real ownership, real transparency, and real flexibility.