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.
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 i
*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.
Introducing Pensionfriend, your retirement solution
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.