The #1 pension plan in Germany without upfront costs.
Contribute from as little as 50 € / mo.
Hand-selected ETFs with outperformance
Benefit from tax-free compounding
Low-cost, digital and EU transferable

Why should you start investing in a private pension plan today?

Your public pension will not be enough. The average German will retire with a net income that is 48 % lower than before going into retirement. The pension gap is even bigger if you started working in Germany later in life.

Graph visualizing the pension gap between public pension and income before retirement.

Pensionfriend is your clever retirement solution

Automatically invest safely & securely in one of three ETF portfolios and enjoy tax-free compounding with our tax wrapper

Global

Global large and small capitalization companies that historically outperform the MSCI World Index.

Currency
USD
ETF cost per year
0,25 %
Pensionfriend cost per year
0,80 %
Expected annual return
8,05 %
Average historic performance
13,0 %
Expected net assets at age 67*
452.551 €

Global Green

Large and small capitalization companies, fulfilling environmental, social and governance (ESG) criteria.

Currency
USD
ETF cost per year
0,28 %
Pensionfriend cost per year
0,80 %
Expected annual return
7,90 %-8,20 %
Average historic performance
14,2 %
Expected net assets at age 67*
449.163 €

Euro Green

European large and small capitalization companies, fulfilling environmental, social and governance (ESG) criteria.

Currency
EUR
ETF cost per year
0,18 %
Pensionfriend cost per year
0,80 %
Expected annual return
5,90 %
Average historic performance
9,35 %
Expected net assets at age 67*
284.575 €
*These are example calculations for a 30 year old who invests 2.000 € one-time and 250 € monthly until their retirement at age 67.

How to best retire in Germany

We compared private, public and company pension plans to see how you can best retire in Germany. The private pension plan outperforms them all by far.

Retire in Europe. Click to learn more.

Chart showing the monthly income from different pension types after 30 years of monthly payment of 100 €.

Introducing Pensionfriend, your retirement solution

Sample illustration of a total contribution to Pensionfriend's private pension plan.

What will your pension plan look like?

It is a flexible account where you can pay in as little as you want or as much as you want on a monthly or a one-off basis. Conveniently available on mobile as well as desktop.
Visualization of the tax benefits of the Pensionfriend private pension plan.

Benefit from tax savings until you take the money out

With Pensionfriend’s tax wrapper you only pay capital gains tax once – when you take the money out, instead of paying tax every year on your investment gains. Only half of the return on your investments is subject to taxation, if you take it out at age 62 or older and if you have held the pension contract for more than 12 years, leading to a much lower overall tax rate.
Learn more about tax savings
Exemplary depiction of a possible ETF portfolio

We have the best investment options

Our selection algorithm recommends, based on your retirement goals and risk preferences, the best long-term performing portfolio at the lowest cost. It dynamically adapts based on your income, age and portfolio performance. Our advice is unbiased: we base ourselves on the longest data series available.
Illustration of critical points in market movement where portfolios should be rebalanced

We help you manage your portfolio

Our rebalancing algorithm ensures that we optimize your portfolio for you in response to market movements, so you don't need to worry where to put new money. And it leads to a small extra expected return.
The Pensionfriend team of experts for all things investment and retirement planning.

A team of experts by your side

You have a team of smart, caring humans by your side, composed of quants, financial advisors, and pension specialists.
More about our team and mission

Why Pensionfriend's Pension Plan?

Virtually every other Private Pension Plan (PPP) in Germany comes with high upfront fees of 2-3 % on life-time contributions. Pensionfriend charges only a small annual fee and delivers outperformance.

The net monthly income that you would
receive for 20 years after retirement given you
contribute 100 € per month for 30 years.

Bank Savings
ETF Investor
High cost PPP*
Market Leader PPP*
Pensionfriend PPP*
Annual return
Effective cost
0 %
0 %
3 %
0,87 %
6 %
2,46 %
6 %
1,65 %
8,05 %
0,87 %
*Private Pension plan

Self managing has a price

Our portfolio recommendation, based on unbiased historic analysis, can double your net monthly pension compared to how the average investor manages their ETFs. Research shows that individual investors underperform standard benchmarks by a wide margin.

Big names carry high cost

Nearly all insurance companies charge 1,5-2,5 % even for the same basic portfolio, and that has a sizable impact on your future pension.

Pensionfriend's approach

Our high pension outlook results from the lowest fees, tax benefits and benchmark selection. ETF tracking difference (how the ETF tracks the index) and rebalancing adds yet more to your pension.

How Pensionfriend compares to other investment plans

Pensionfriend
Yearly tax-savings 0,6 - 1 %
Outperformance with unbiased data
Recommended fund selection
Digital experience
Advice on lowest effective cost ETFs
Automatic rebalancing of funds to target benchmark with outperforming algorithm
Active management – automated advice
ETF-Saving Plan
Yearly costs 0,9 %
No tax-savings
No outperformance with unbiased data
No recommended fund selection
Digital experience
No advice on lowest effective cost ETFs
No automatic rebalancing of funds to target benchmark
No active management
Robo Advisor
Yearly costs 1 %
No tax-savings
No outperformance with unbiased data
No recommended fund selection
Digital experience
No advice on lowest effective cost ETFs
Automatic rebalancing of funds to target benchmark
Active management – automated advice
Investment Advisor
Yearly costs more than 1,5 %
No tax-savings
No outperformance with unbiased data and certainly not after cost
Recommended fund selection
No digital experience
No advice on lowest effective cost ETFs
Maybe automatic rebalancing of funds to target benchmark
Active management – automated advice

Don’t save your questions. We’ve got answers.