If you don’t take action now, you’ll face problems later
Over the course of life, many expenses arise in Germany – from everyday costs to rising rents, medical care, and a secure retirement. Especially in old age, it’s important to have financial freedom in order not to become dependent on others
Cost of living
950 € / m
rent
800€ / m
free time
320€ / m
With investments, you can pay for everything later.
+ 1.200 € / m
how it works
No prior knowledge is needed – we take care of all the details and explain everything clearly. Your future self will benefit from the capital you’ve saved.
STart at 30 years old
Deposit: 150€ /mtl.
Assumed return: 10% per year
You decide to save a fixed amount for your retirement each month – for example, €150.
The money is invested through a legal contract, for instance via an insurance plan with ETF participation.
at 40 years old
you will have 31.100 €
If the fund’s performance has averaged 10% over the past 10 years.
You can spend €10,000, while €21,100 continues to grow.
For example, for new furniture, your first family vacation, and more.
at 50 years old
you will have 133.000€
Even with the withdrawal at 40, you can still buy a property now.
You spend €30,000, while €103,000 continues to grow.
And your money keeps growing.
at 67 years old
you retire with 1.043.000€
Despite all the withdrawals.
4,8 of 5 Sternen
Getting to know each other
When choosing a template, consider whether it fits your content. For example, a ‘Software’ template could be suitable for an online course, a presentation, or similar purposes
We’ll see how we can help you
When selecting a template, consider whether it matches your content. For example, a ‘Software’ template might be well-suited for an online course, a presentation, or similar uses
We’ll develop a concept for you
When choosing a template, think about whether it suits your content. For example, a ‘Software’ template could work well for an online course, a presentation, or similar projects.
Tip for retirement planning
“We have reimagined retirement planning – for Africans in Germany who want to decide for themselves what their future looks like. What once seemed uncertain and out of reach is now predictable and attainable with us. We’re not just changing retirement plans; we’re giving security and freedom for tomorrow.”
FAQ
Here we answer the most common questions parents ask us about financial planning and security. This way, you quickly get an overview and find clear answers.
What’s the minimum amount I need to start saving?
You can start with small monthly contributions of just €25 – no large capital is required.
Do I have to make monthly deposits, or is a one-time deposit also possible?
Both options are possible: regular monthly payments or flexible contributions, whatever suits you best.
How safe is my money, and am I guaranteed to get something back?
Your money is protected through verified and regulated products, so you don’t take on unnecessary risk.
From when can I access my money or receive my pension?
Typically from the agreed retirement age, but sometimes earlier if you wish to withdraw your funds.
What happens if I can’t make payments for a while or become unemployed?
You can then pause or reduce your contributions without immediately losing your entire entitlement.
What are the advantages compared to a regular savings account or keeping money in my bank account?
You secure higher potential returns, tax benefits, and a predictable retirement plan, instead of letting your money lose value.
Finance for Africans
SERVICES
LEGAL