Can foreigners invest in Germany?

Yes. Expats and foreign professionals can open investment accounts and build portfolios in Germany through licensed financial brokers like Finanz2Go. We help you set up globally diversified ETF-based portfolios under German regulation.

What is the best retirement plan for expats in Germany?

The most efficient retirement solution for expats is typically a combination of private ETF-based investments and pension contracts that are tax-optimized in Germany. Finanz2Go helps design individualized strategies based on your income, nationality, and tax situation.

How does Finanz2Go charge for its services?

Finanz2Go works with a transparent commission model of 0.7% p.a. of the invested assets. There are no hidden fees or product-based sales incentives — our approach is fully independent and long-term oriented.

Do I have to live in Berlin to become a client?

No. Our consulting process is 100% digital — we serve clients all across Germany through secure online meetings. Location does not limit access to independent advice.

Is Finanz2Go licensed and regulated?

Yes. Finanz2Go Consulting holds official licenses under §34d and §34f GewO, supervised by IHK Berlin. This allows us to provide independent investment, pension, and insurance advice in full compliance with German regulations.

Investment Goal Calculator

Germany

Investment Goal Calculator

See how much you need to invest to reach your goal — and how your result splits into contributions vs growth.

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Inputs

Target amount (€)

Time horizon (years)

Initial investment (€)

Expected return (p.a., %)

ETF ongoing costs / TER (p.a., %)

Optional: simplified Germany tax view

Apply tax on gains at the end?

Tax allowance preset

Sparer-Pauschbetrag (€)

Teilfreistellung (%, e.g. 30 for equity ETFs)

Church tax

*Planning estimate only. Taxes can differ (e.g., distributions, Vorabpauschale, loss offsets, broker handling). This tool applies a simplified “tax at the end” approach.

Results

Required monthly investment

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Final value (est.)

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Total contributions

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Estimated tax (if applied)

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Contributions

Growth (after est. tax)

Estimated tax

Want a tax-efficient plan and the right ETF portfolio for your situation?

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