Investment advice for expats living in Germany
Make informed long-term investment decisions with guidance built around your goals, risk capacity and international plans—not a one-size-fits-all product. This page explains investment services through scope, evidence, costs and decision boundaries.
A short fit conversation — not personal investment advice.
Start
Begin with savings and a defined objective
Goal
Liquidity
Risk capacity
Mobility
Review
Begin with current holdings and evidence
Retirement
Begin with income needs and assumptions
Start where you are
Investment Services — Choose a service from today’s starting point
Investment advice for expats in Germany can begin with savings, an existing portfolio or a retirement question.
This visual organises the page’s main inputs, boundaries and next questions. It is explanatory, not a personal recommendation.
Savings need a structure
Define the job, access needs and ability to absorb loss before implementation.
Existing investments of €100,000+
Review current evidence before discussing replacement.
Pensions and savings need to connect
Test retirement assumptions rather than relying on one promised figure.
The situation
Start where you are
Too much cash, no investment structure
Define purpose, access needs and risk before selecting investments.
A portfolio built from past decisions
Consolidate accounts to see overlap, concentration and total cost.
Retirement assumptions that do not connect
Bring pensions, private savings and contributions into testable scenarios.
Uncertainty about leaving Germany
Make mobility, currencies and portability part of the decision from the start.
What you receive
From strategy to ongoing review
- Clarifying objectives, investment horizon and liquidity needs
- Assessing risk tolerance and capacity for loss
- Reviewing existing holdings, costs and concentration
- Developing an investment strategy and discussing suitable implementation options
- Explaining product, platform, fund, ETF and custody costs before implementation
- Ongoing advice and portfolio analysis after implementation
Decision framework
Germany is home today. Your plan may need to travel tomorrow.
Your investment plan should account for more than a German address. We discuss your expected time in Germany, assets in other countries, currency exposure and possible relocation. Finanz2Go does not provide tax or legal advice; cross-border questions may require a qualified specialist in the relevant jurisdiction.
What to understand
Advice without handing over control
You keep control of your account and approve transactions. There is no discretionary portfolio management. Recommendations are explained before you decide, and investment risk—including possible loss of capital—remains with you.
Frequently asked questions
Clear answers before the next step
Do you work with clients throughout Germany?
Yes. The service is digital and available to suitable clients living in Germany.
Is advice available in English?
Yes. English is the primary service language.
Do you manage my account or trade without asking me?
No. You control the account and approve transactions. Finanz2Go does not provide discretionary portfolio management.
What does the portfolio service cost?
The investment portfolio service costs 0.7% per year including VAT, calculated and charged monthly on capital invested through the service. External product, platform, fund, ETF and custody costs are additional and disclosed separately.
Can you advise on tax or legal questions?
No. General tax considerations may be identified, but individual tax and legal advice must come from appropriately qualified professionals. —
Start with a short conversation
Talk through your next financial decision
Start with an introductory call to clarify the question, likely fit and a responsible next step.
Book an introductory call ↗A fit conversation — not personal investment advice.