Hi, we’re Pensionfriend! Our mission is

To Help People Build a Safe and Sound Financial Future

We help people make the best of Germany's Pension System by making the impact of pension and other investment choices as concrete and tangible as possible.

How it started

In 2018, Nick, Pavel and Chris started Hypofriend. Since its inception, Hypofriend has helped thousands of Germans and Expats across Germany to find and finance their home.
Portrait picture of Dr. Christian Mulder, Co-founder and CFO of Pensionfriend
Portrait picture of Nick Mulder, Co-founder and CEO of Pensionfriend
Portraitfoto von Pavel Jurasek, Mitgründer und CTO von Pensionfriend

During that time, we faced many questions that revolved around financial advice

Is buying a house enough for our
financial future? Or should we
save more?
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We bought a house.
What's next?
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Can you help us make sense
of our German pensions?
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Should I invest my full down
payment in the house? If not,
where?
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Should I rather invest in ETFs
now house prices are so high?
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As we answered these questions, over and over again we realized that we kept on stumbling upon the same points:
Customers need a low-cost investment vehicle
Customers need clarity on their pensions
Customers need clarity on what solutions are best
Is buying a house enough for our
financial future? Or should we
save more?
Speech tail left
We bought a house.
What's next?
Speech tail right
Can you help us make sense
of our German pensions?
Speech tail left
Should I invest my full down
payment in the house? If not,
where?
Speech tail right
Should I rather invest in ETFs
now house prices are so high?
Speech tail left

We are commited to your future, so that you can retire with confidence

As we grow older and older, having a good income in old age is more and more important:
We help you forecast your pension and how much you need for a safe future.
We show you the pension impact of early retirement and house buying decisions, as these are essential for your planning.
The German pension system is complex, and has many options that are hard to compare:
We sift through the forest of options so we can identify what options are relevant in the prevailing market conditions.
We calculate the impact of the options, so they are comparable, and you can assess their benefits and their impact on your future income.
Investment choices are complex and overwhelmingly numerous:
We have compared all the key indices against the longest data series available to bring you the most relevant and best choices.
We are transparent in terms of cost and unbiased in our recommendations.

Some of our smart, caring humans that are by your side: quants, financial advisors and pension specialists

Our team has the background to deliver you the best unbiased advice. Here are some of our members, that are dedicated to create clarity in German pensions and find the best solutions.
Portrait picture of Zhi De Khoo, Quantitative Analyst at Pensionfriend

Khoo

Msc, and finishing his PhD in Statistics from University of Malaya and a Quantitative Analyst at Hypofriend.
Portrait picture of Jan Bandke, BA Professional Financial Advisor at Pensionfriend

Jan

Bachelor Professional Financial Advisor - CCI (IHK) / Fachwirt für Finanzberatung (IHK) with 10+ years of experience.
Portrait picture of Sven Gehle, Investment specialist at Pensionfriend

Sven

Banker (IHK), with more than 20 years of experience as Investment and Pension specialist.

We’ve disrupted the German mortgage industry

We are now planning on doing the same with the German pension industry.
4.9 Stars
See all
172
reviews on
1 week ago
We have had a great experience with Pensionfriend, and especially working with Marc. He is friendly, easy to talk to, and always available to answer any questions we have. He explains everything clearly and makes the process simple to understand, without ever putting pressure on us. It’s been very easy to get in touch and communicate with him throughout.We really appreciate the flexibility they offer and the low costs, which makes everything even easier. We highly recommend Pensionfriend to anyone looking for professional and supportive pension advice!
Stacie McGugan
3 weeks ago
I had an excellent experience with Pensionfriend. The video meeting was extremely pleasant, clear, and very well structured. Everything was explained in a way that was easy to understand, and all of my questions were answered thoroughly and patiently. I felt genuinely supported and well advised throughout the entire process. A special thank you to Marvin for his friendly, professional, and clear guidance — it made the whole experience smooth and reassuring. I can highly recommend their service to anyone looking for trustworthy and competent advice.
Pavel Avvakumov
3 weeks ago
From the beginning, before I even became a customer, Dimple was professional and patient with all my questions. I really appreciate the courteousness and hospitality in the process of understanding. I didn't feel rushed or pushed. Even when she was on holiday, a colleague took over and helped me. So, I am really happy with the team. I got the plan setup and running. Like the app and overview. I shall now look into process of updating and selecting investment instruments beyond the one we initially started with. Some areas to improve would be for the user to self select/allocate ETF instruments of choice. Thank You again.
Raju Gurung
1 month ago
I had a very smooth process setting up a pension plan. The communication was very clear and the app is very straightforward and easy to use. Thank you Dimple!
Tooltoy1
1 month ago
After a great experience with Hypofriend, and reading the educational resources from Pensionfriend, I decided to give it a shot. I shared my existing Rürup pension plan and was provided with an analysis that highlighted numerous issues, including its high fees. In a video call, Marvin explained the aspects and differences with a private pension plan. Switching to a private pension was straightforward, and my old expensive pension was cancelled for me. Clear communication, clear and lower fees, a detailed dashboard to understand my current situation with respect to retirement, flexibility in monthly contributions, and flexibility in access to funds, all convinced me that switching was the right decision. So long as this review is up, I recommend Pensionfriend without reservation.
Pierre
2 months ago
I would highly recommend Pensionfriend to anyone who wants to start saving for the future. I just started mine this January, and honestly, the process has been smooth but with many documents to read and understand, as expected. The staff member called Jan has been so available to respond to my questions and concerns, and has also advised on the best model to work with (also in English -one thing I appreciate so much). I could not have been happier. Btw, I'm a student and also working part-time, so I don't have much, but this is the best decision I have made so far in my life, and it truly guarantees an easy and enjoyable future for me 37 years from now! I HIGHLY RECOMMEND IT TO ANYONE IN EU!
Grace Orao
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Jan Bandke
Pension & insurance expert

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