Finanz2Go Fees: Transparent, Fair, and Built for Expats in Germany
Smart Investing Starts with Transparency
At Finanz2Go, we believe that successful investing begins with clear, predictable costs.
As an independent financial advisor for expats in Germany, we keep things simple:
✅ One fair all-in-one fee of 0.7% p.a.,
✅ No hidden costs,
✅ No performance or exit fees.
With our fee calculators below, you can see exactly how our model compares to traditional banks — and how small fee differences can compound into big long-term savings.
Finanz2Go – Fee Calculator
See your estimated monthly cost with our all-in-one fee of 0.7% p.a. based on your invested capital.
Inputs
Fee model
*Monthly costs are calculated as (invested capital × annual fee rate) ÷ 12.
Results
Financial Advisory for Expats in Germany
In our free digital 1:1 consultation, our independent investment advisors help you develop a plan for your wealth accumulation that fits your financial goals.
1. Your Estimated Monthly Cost
Our Fee Calculator helps you understand what you actually pay with Finanz2Go’s all-inclusive advisory model.
Just enter your invested capital and see your estimated monthly cost based on our 0.7% annual fee.
Example:
If your invested capital is €50,000, your estimated monthly cost is roughly €29.17 — that’s it.
No front-end load, no back-end charges, no surprises.
This tool gives you an instant sense of how affordable professional investment advice can be.
Unlike traditional wealth managers, Finanz2Go combines personalized strategy, ETF-based investing, and tax awareness — all at one transparent rate.
Bank vs Finanz2Go Fee Comparison
Compare estimated monthly costs based on invested capital. Adjust assumptions to match your situation.
Inputs
Fee assumptions (p.a.)
*Monthly cost estimate = (invested capital × annual fee rate) ÷ 12.
Results
2. Bank vs. Finanz2Go Fee Comparison
See how our 0.7% p.a. advisory fee stacks up against the typical bank investment cost of 2.5%+ per year.
Enter your invested amount and let the calculator show your monthly difference and yearly savings.
Example:
For €100,000 invested:
- Bank: €208/month (€2,500 p.a.)
- Finanz2Go: €58/month (€700 p.a.)
- You save ~€1,800 every year.
Most banks and insurance providers in Germany charge layers of commissions — product fees, management fees, and retrocessions.
At Finanz2Go, you get a transparent, fee-only model focused on your growth, not on selling products.
20-Year Fee Impact Projection
Estimate how fees affect long-term outcomes over 20 years with a simplified compounding model.
Inputs
Fee assumptions (p.a.)
*Model: monthly compounding, fees applied as a yearly rate converted to monthly. This is an educational estimate.
Results
3. 20-Year Fee Impact Projection
Fees matter — and they compound.
This calculator projects the long-term impact of investment costs over 20 years, assuming steady growth and monthly compounding.
Compare what your wealth could look like with Finanz2Go vs. a traditional bank.
Example:
A 1.8% annual fee difference can cost you tens of thousands of euros in the long run.
With lower fees, more of your returns stay invested — helping you build real wealth faster.
It’s not just about percentages — it’s about your future capital.
By minimizing costs and optimizing taxes, we help your money grow for you, not for the bank.
Why Low Fees Matter
Move the slider to see how a small fee difference can compound over time.
Try it
Fee difference
*Simplified: assumes constant returns and applies fees continuously (monthly).
Results
4. Why Low Fees Matter
Even a small difference in annual fees — say 0.7% vs. 1.5% — can lead to huge disparities over decades due to compound growth.
Use this calculator to visualize how lower fees amplify your wealth over time.
Example:
With €200/month invested at 6% over 25 years:
- High-fee scenario (1.8%): ~€113,000
- Low-fee scenario (0.7%): ~€139,000
- You gain over €26,000 just by paying less in fees.
That’s the power of cost efficiency.
Our digital-first approach and ETF-based strategies let us keep fees low — while delivering personalized financial advice tailored to your expat life in Germany.
Why Choose Finanz2Go?
- Transparent Fees: Flat 0.7% per year — no hidden costs.
- Independent Advice: We don’t sell financial products or receive commissions.
- ETF-Based Strategies: Diversified, low-cost portfolios aligned with your goals.
- Expat Expertise: We help international professionals navigate Germany’s financial and tax systems.
- Personal Support: Your advisor guides you through every stage of wealth building.
A €100,000 portfolio with Finanz2Go costs around €700/year, compared to €2,000–€3,000/year with a typical bank or insurance fund.
Over 20 years, that’s a potential €25,000+ in saved fees — money that keeps working for you.
Finanz2Go Fees: Transparent, Fair, and Built for Expats in Germany
Smart Investing Starts with Transparency
At Finanz2Go, we believe that wealth building should be simple, transparent, and fair.
For too long, investors in Germany—especially expats—have faced opaque pricing models, hidden fees, and complex financial products. We decided to change that.
Our mission is to make professional financial planning accessible, cost-efficient, and completely transparent.
With a flat all-in-one fee of just 0.7% per year, you receive personalized financial advice, a tailored ETF portfolio, and ongoing investment support—without the hidden costs that erode long-term returns.
Why Transparency Matters in Investing
When you invest, fees play a critical role in determining your success. Even a small difference—say, one percent—can drastically affect your wealth after 20 years due to compounding effects.
Traditional banks and insurance-based advisors often charge 2–3% annually, add hidden fund commissions, and take performance-related fees.
At Finanz2Go, our 0.7% p.a. flat fee covers:
- Personalized financial strategy sessions
- Professional ETF portfolio construction
- Continuous rebalancing and risk management
- Tax-efficient investment structuring
- Ongoing personal guidance from your advisor
No commissions. No retrocessions. No bias.
Just independent, professional financial planning for expats in Germany.
1. Your Estimated Monthly Cost
The Finanz2Go Fee Calculator lets you instantly see what you will pay for professional portfolio management.
Enter your invested amount and you will see the exact monthly fee—no surprises and no hidden fine print.
Example:
If you invest 50,000 €, your annual cost is 350 € (0.7%), or roughly 29 € per month.
That includes all advisory services, investment planning, and ETF portfolio management.
After-calculator insight
This calculator shows how affordable professional advice can be.
While banks often charge layers of product and management fees, Finanz2Go provides a modern, transparent model that keeps costs predictable and aligned with your financial goals.
2. Bank vs. Finanz2Go Fee Comparison
Curious how our pricing compares to traditional banks or insurance advisors?
Our Bank vs. Finanz2Go Fee Comparison tool helps you see what you save every year—and how much more your money can grow with lower costs.
Example:
- Bank or insurance fund: about 2.5% per year
- Finanz2Go: 0.7% per year
- On 100,000 € invested, that is 1,800 € in annual savings—money that stays invested and compounds over time.
After-calculator insight
The difference between paying 0.7% and 2.5% might not seem large in a single year, but over a decade or two it is enormous.
With lower fees, you benefit from compound growth—your returns grow on themselves rather than being consumed by unnecessary costs.
Finanz2Go’s independent model ensures that every euro you invest works for you, not for an intermediary.
3. 20-Year Fee Impact Projection
Fees do not only reduce your balance—they multiply their effect over time.
Our 20-Year Fee Impact Projection Calculator shows how much difference cost efficiency makes when combined with long-term compounding.
Imagine two investors start with 50,000 € and contribute 500 € each month for 20 years at an average 6% annual return:
- Investor A (Finanz2Go – 0.7% fee): about 247,000 €
- Investor B (Bank – 2.5% fee): about 197,000 €
- Difference: 50,000 € gained simply by paying less in fees.
After-calculator insight
This is the hidden cost of traditional investing—one that many overlook.
At Finanz2Go, we structure portfolios efficiently so you keep more of your returns and reach your goals faster.
Understanding Fee Compounding: Why Every Basis Point Counts
Compounding is not just about returns—it applies to fees as well.
Each year, high fees reduce your returns, and the smaller growth compounds negatively over time.
This “fee drag” can cut your end value by 20–40% over a long horizon.
Example:
- Annual return before fees: 6%
- Bank fee: 2.5% → Net return: 3.5%
- Finanz2Go fee: 0.7% → Net return: 5.3%
Over 25 years, a 100,000 € investment grows to:
- Bank: 238,000 €
- Finanz2Go: 365,000 €
That is a 127,000 € advantage achieved simply through lower fees.
By keeping costs minimal, you effectively add an extra percentage point to your performance—without taking on more risk.
4. Why Low Fees Matter
Even a modest reduction in costs can deliver significant benefits.
The Why Low Fees Matter Calculator helps you visualize how fee differences affect your wealth over time.
Example:
Invest 200 € per month for 25 years at a 6% annual return:
- Low-fee portfolio (0.7%) → about 139,000 €
- High-fee portfolio (1.8%) → about 113,000 €
- Gain: roughly 26,000 € purely from cost efficiency.
After-calculator insight
Cost savings are guaranteed; market performance is not.
Minimizing fees is the most reliable way to increase returns.
Finanz2Go’s model ensures that more of your earnings stay invested, compounding into real wealth.
The Finanz2Go Fee Philosophy
Our approach is simple:
- Flat, transparent fee – 0.7% all-inclusive
- No conflicts of interest – we do not earn from products
- Aligned incentives – our success depends on your satisfaction
We believe in full fee transparency because clients deserve to know exactly what they pay for and why.
This model is already standard in countries such as the UK and the US, where fee-only advisors have replaced commission-based intermediaries.
Finanz2Go brings that same standard to the German expat community.
Designed for Expats in Germany
As an expat, you face unique financial challenges:
- Understanding the German tax and pension system
- Navigating complex insurance products
- Building wealth while maintaining flexibility if you relocate
- Managing investments across multiple currencies
Finanz2Go helps you create a personalized investment plan that fits your international lifestyle.
Our transparent fee structure means you always know where your money goes, how it is invested, and what value you receive in return.
Advantages for Expats
- Bilingual financial advice in English and German
- Guidance on tax-optimized investing
- ETF strategies compliant with German and EU regulations
- Transparent portfolio reporting and fee breakdown
Comparison: Finanz2Go vs. Traditional Advisors
| Feature | Finanz2Go | Traditional Bank or Insurance Advisor |
|---|---|---|
| Fee structure | Flat 0.7% p.a. | 2–3% plus hidden commissions |
| Product bias | None, independent | Often product-driven |
| Minimum investment | 20,000 € | Usually 100,000 €+ |
| Tax optimization | Included | Rarely addressed |
| ETF portfolios | Global, diversified | Often proprietary funds |
| Transparency | Complete | Limited |
| Digital tools | Included | Minimal |
| Expat expertise | Yes | Limited |
Result:
You pay less, understand more, and gain full control over your financial future.
The Power of Fee-Only Financial Advice
In Germany, many advisors still earn commissions, which means their recommendations can be influenced by product incentives.
At Finanz2Go, we operate under a fee-only model, meaning we are paid solely by our clients, not by product providers.
This ensures:
- Unbiased advice
- No product sales pressure
- Alignment with your long-term interests
Every financial strategy we design is 100 % tailored to you—your goals, risk tolerance, and timeline—not to a product catalog.
ETF Investing and Cost Efficiency
Our portfolios are built around Exchange-Traded Funds (ETFs)—low-cost, globally diversified investment vehicles that align with modern portfolio theory.
Benefits of ETFs
- Low ongoing costs (TER often below 0.3%)
- Transparent holdings
- Broad diversification across thousands of companies
- Liquidity and flexibility
- Long-term tax efficiency
Combined with our 0.7% advisory fee, you enjoy a total cost below 1%, compared to 2–3% in traditional investment products.
That cost advantage translates directly into higher long-term returns.
Real-World Example: The Cost of Hidden Fees
Consider two investors:
- Emma invests 100,000 € through a bank fund at 2.5% annual cost.
- David invests 100,000 € through Finanz2Go at 0.7%.
After 20 years at 6% gross annual return:
- Emma ends up with 255,000 €
- David ends up with 320,000 €
David’s 65,000 € advantage comes entirely from paying lower fees.
If both invest monthly, the gap widens even more.
Full Transparency and Control
When you work with Finanz2Go, you will always know:
- Your exact fee rate and total annual cost
- The ETFs and allocations used in your portfolio
- Your net performance after fees and taxes
- Your progress toward your financial goals
We believe financial advice should empower, not confuse.
Every client receives clear reporting, ongoing support, and proactive strategy reviews.
Review and Optimization
We regularly review your portfolio to ensure it stays aligned with:
- Market developments
- Tax law updates
- Personal life changes such as relocation or family planning
Your investment plan evolves as you do, maintaining balance between opportunity and stability.
Why 0.7% Is the Optimal Fee
Our 0.7% advisory fee is the result of benchmarking against international standards.
It is designed to balance affordability, service quality, and independence.
This rate provides professional financial planning, ETF optimization, and personal support without the inflated margins of traditional institutions.
Build Your Wealth Efficiently
Whether you are investing for retirement, financial independence, or a family future in Germany, cost efficiency and transparency are the foundation of success.
At Finanz2Go, you always know what you pay and what you gain.
Next step:
Use our calculators to visualize your potential savings and then book a free consultation to design your personal investment plan.