Investment Consulting
We help you build an investment portfolio that suits your goals.
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1. Investment Strategy Development
We create a long-term plan designed for stability and growth.
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2. A fair all-in-one fee of only approx. 0.7% p.a.*
No performance-based fees, no front-end or back-end loads, very low transaction costs, automated rebalancing & regime change.
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3. Ongoing Portfolio Review & Optimization
We’ll analyze your investment portfolio for diversification, costs, and performance.
Book an appointmentWhy Choose Finanz2Go for Investment Consulting?
At Finanz2Go, we are 100% client-focused, working solely in your best interest.
We’re officially licensed by the IHK (Industrie- und Handelskammer) under §34f GewO, guaranteeing full compliance and transparency.
What Makes Us Different:
- Independent: We receive no commissions from banks or fund providers.
- Data-driven: Your investment plan is built using modern analysis tools.
- Transparent: You see every cost and projection clearly.
- Digital-first: Consult online, from anywhere in Germany or abroad.
- Sustainable options: ESG and ethical portfolios available.
Our Investment Consulting Services
We specialize in holistic, independent investment consulting tailored to your goals, timeline, and risk profile.
Investment Strategy Development
We create a long-term plan designed for stability and growth.
Your customized investment strategy considers:
- Income, savings goals, and risk tolerance.
- Time horizon and future liquidity needs.
- Tax optimization strategies (in coordination with your tax advisor).
ETF & Fund Portfolio Consulting
ETFs are one of the most efficient and cost-effective ways to invest in Germany.
Our experts help you:
- Select diversified, low-cost ETFs aligned with your objectives.
- Compare brokers and platforms like Trade Republic, Scalable Capital, and ING.
- Create automated ETF savings plans to build wealth over time.
📘 Read our latest guide: Best ETFs for Beginners in Germany (2026) →
📊 Or calculate your future returns: Investment Calculator →
Sustainable & Ethical Investing
Responsible investing is more than a trend — it’s the future.
We help you invest in companies and funds that align with your values without compromising performance.
You’ll learn how to integrate ESG criteria (Environmental, Social, Governance) into your investment plan and discover which sustainable ETFs are performing best in 2026.
Portfolio Review & Optimization
Already investing? We’ll analyze your current portfolio for diversification, costs, and performance.
You’ll receive a detailed portfolio health check with practical recommendations on how to:
- Reduce unnecessary fees.
- Optimize tax efficiency.
- Align your investments with your long-term goals.
Investing as an Expat in Germany
If you’re an expat, navigating the German financial system can feel overwhelming.
From understanding local tax laws to opening an investment account — we make the process easy.
We specialize in helping English-speaking expats in Germany understand:
- How to invest in ETFs and funds safely.
- How capital gains and withholding taxes work.
- How to plan investments for retirement alongside international pension systems.
Our Process — Simple, Digital & Transparent
Our digital investment consulting process ensures efficiency and clarity from the start:
1️⃣ Initial consultation – Understand your goals and risk profile.
2️⃣ Data analysis – Evaluate your income, savings, and investments.
3️⃣ Strategy creation – Build a tailored portfolio plan.
4️⃣ Online meeting – Review and discuss your personalized investment roadmap.
5️⃣ Ongoing support – Monitor and adjust your plan over time.
Compliance & Certification
We operate under the IHK §34f GewO license, issued by the Chamber of Industry and Commerce in Germany, ensuring full regulatory compliance.
All our consultants are trained and certified professionals following BaFin and MiFID II transparency standards.
📈 Real Results from Our Clients
Our results speak for themselves (2023–2025 data):
| Metric | Result |
|---|---|
| Average portfolio growth (5 years) | +7.8% p.a. |
| Average cost reduction from fee-only model | 25% savings |
| Average improvement in portfolio diversification | +30% |
| Client satisfaction rate | 98% |
💬 Read what clients say about us: Reviews & Success Stories →
Understanding Investment Consulting in Germany – A Deeper Perspective
While investment consulting often focuses on products or portfolio design, what truly matters in Germany is how advice is regulated and applied in practice.
As one of the most transparent yet tightly governed financial markets in Europe, Germany requires a distinct approach to wealth management — one that balances risk control, taxation, and investor psychology.
That’s where independent, evidence-based investment consulting in Germany becomes a key advantage.
It allows investors — especially expats — to access global opportunities while staying compliant with local financial law.
How Investment Consulting Works Under German Regulations
Every certified consultant in Germany operates within a framework defined by the IHK (§34f GewO) and supervised by BaFin.
This ensures that recommendations are made solely in your best interest and are free from product commissions.
In practice, that means your investment consultant does more than recommend funds — they act as a translator between global markets and the unique financial landscape of Germany.
The goal is to design an investment plan that fits your needs, not the incentives of a bank.
At Finanz2Go, this approach has proven especially valuable for expats and professionals who want to:
- Align their global income with German investment and tax structures
- Avoid high-fee bank products and opaque insurance plans
- Build globally diversified portfolios using ETFs and index-based solutions
- Monitor investments digitally while maintaining personalized support
The Psychology Behind Smart Investing
One aspect often overlooked in investment consulting in Germany is investor behavior.
Markets fluctuate — but emotions amplify that movement.
Fear, overconfidence, and short-term thinking can cost more than any management fee.
A skilled consultant helps you stay disciplined when markets move irrationally.
Through regular portfolio reviews and transparent reporting, you’re guided by data, not by fear.
In the German context, where investors tend to be conservative, combining behavioral coaching with digital analytics creates a balanced, confident investment journey.
Integrating Global Diversification with German Efficiency
Germany’s investment culture is evolving.
Once dominated by savings accounts and life insurance, it is now shifting toward ETF-based investment strategies that emphasize cost efficiency and transparency.
As part of a broader financial plan, ETFs provide:
- Instant diversification across regions and sectors
- Lower long-term costs
- Automatic rebalancing aligned with risk tolerance
At Finanz2Go, we combine these global instruments with a German-style precision process — structured, documented, and data-driven.
This mix allows international clients to benefit from both worlds: modern, flexible investment design and German reliability.
Tax Considerations in Investment Consulting
An effective investment strategy doesn’t stop at asset selection.
Understanding Germany’s Abgeltungsteuer (capital gains tax) and tax-free allowances can significantly impact your real return.
We collaborate with tax professionals to ensure your investment structure works efficiently — especially if you have income or assets in multiple countries.
For many expats, this can include managing dual tax obligations, optimizing ETF distributions, or using allowances strategically to reduce total tax liability.
Our consulting process helps you view taxation not as a barrier but as an integrated part of your financial architecture.
Why Independent Advice Outperforms Bank-Based Consulting
Traditional bank advisors often face conflicts of interest.
They earn commissions on the products they recommend — meaning the “advice” may not always align with your goals.
By contrast, independent investment consultants in Germany operate under a transparent, fee-based model.
You pay for time and expertise, not product placement.
This independence builds trust, protects objectivity, and ensures that performance analysis remains free of bias.
The Role of Technology in Modern Investment Consulting
Fintech and AI-based analytics now play a major role in how consulting services are delivered.
At Finanz2Go, we integrate digital portfolio tracking, automated reporting, and real-time risk assessment tools — allowing you to stay informed 24/7.
But technology is only half the equation.
The other half is human insight — the ability to interpret market data, understand your life stage, and translate statistics into strategy.
That combination of digital precision and human experience defines the new generation of investment consulting in Germany.
Building Long-Term Wealth in a German Context
Wealth creation is not about short-term performance; it’s about consistency.
The German financial system rewards patience, discipline, and clear planning.
By blending regular savings, broad diversification, and ongoing professional oversight, investors can achieve stable, inflation-adjusted growth over decades.
Whether you are planning to stay in Germany for a few years or build your long-term base here, investment consulting provides the framework to make informed, confident decisions.
🌱 Start Your Investment Journey Today
Whether you’re an expat, professional, or self-employed investor, Finanz2Go helps you build a secure, sustainable, and profitable investment plan.
Our independent, fee-only approach ensures your money always works for you — not for financial institutions.
📅 Book a Free Consultation Now →
or explore more on our Pension Consulting → and Insurance Consulting → pages.
Useful Links:
Fabian Beining / Founder Finanz2Go
Fabian Beining / Founder Finanz2Go
Fabian Beining / Founder Finanz2Go
Fabian Beining / Founder Finanz2Go