We are certified investment consultants & work with strong partners:
FFB Bank
Advisors Studio
I. Investment Portfolio
We help you develop a globally diversified investment portfolio that suits you and your goals.
Holistic Approach
We analyze your financial situation and compare over 100 companies to develop an investment portfolio tailored to your needs and wishes.
Easy cost structure
The ongoing charges amount to only approximately 0.6% p.a. - there is no front-end load, redemption fees, or performance-related costs.
Tailored Services for Expats
As an expat, navigating the complexities of the German financial system can be overwhelming. Finanz2go specializes in helping foreigners manage their finances, from investments to retirement planning, ensuring that their unique needs are addressed.
II. Pension Plan
Retirement planning is always an integral part of a tax-optimized investment portfolio. We calculate your pension gap and show you objectively how to close it with appropriate investments.
- Save up to 48% on taxes with a tax-optimized pension plan in Germany.
- Together we compare over 100 companies and offers to find the best pension plan for you.
- We analyze your financial situation to develop a pension plan tailored to your needs.
Features
Features
Scientific
Finanz2Go is using the latest findings from capital market research to your own portfolio.
Tax-optimised
In Germany there are huge tax advantages and incentives for long term investing. Depending on what fits your individual situation we choose a framework that makes the most sense for you.
Cost-effective
The ongoing charges amount to only approximately 0.6% p.a. - there is no front-end load, redemption fees, or performance-related costs.
FAQs
FAQs
Are you truely independent?
We are independent consultants, as we do not work for any product provider like an insurance or a bank, so we do not have to sell any products.
We are registered with the Chamber of Commerce and Industry as an independent financial broker. This means that we are “fiduciary trustees” of our clients.
We are therefore legally obligated to find suitable solutions for your situation and your needs. In doing so, we draw on virtually the entire investment, finance and insurance market. For us, this means true independence.
Can I save taxes with my investment?
Yes you can. In Germany there are huge tax advantages and incentives for long term investing. Depending on what fits your individual situation we choose a framework that makes the most sense for you.
Investment plans that you can deduct from your tax especially are interesting for high earners and freelancers due to their high tax burden.
How can I lower my tax burden?
The German tax system is progressive, meaning that the more you make, the higher is your marginal tax rate. Fortunately, you can use this to your advantage by taking advantage of deductions to lower your tax burden, for example by investing in a Base pension.
You get a tax refund of up to 42% of your contribution (income <60k). Change your mindset from complaining about taxes to using the German tax system, and you will financially benefit.
How do we get paid?
All cost of the provider, the funds as well as for the advisor are already included in the pension plan.
We get paid in government regulated commissions by the insurance when you decide to do the plan. The conditions you get with us are exactly the same you get with the insurance directly, so you have no financial disadvantage by doing the plan with us, but of course the huge advantage is that we as independent brokers can scan the whole market, so you get the best available option.
What happens when I leave Germany?
The solutions in our consulting are structured in a way that you are flexible should you choose to leave Germany during your working life, and you can get your pension anywhere in the world.