Dr. Chris Mulder

The Trump Slump

The S&P 500 is down 10% from its post-Trump election peak, which it reached just three weeks ago. It has now fallen back to July 2024 levels.

The Implications of the April 2025 Trade Tariff Shock

Do we see the Trump global trade tariff announcements of April 2nd and the subsequent turmoil as a game-changer for stock investments?

Private Pension Plan in Germany: Overview & Best Options

Why an individual pension plan can be a great option to enhance your pension and to secure your standard of living in old age.

Pensionfriend Performance

What is Pensionfriend’s actual performance? Below you see our portfolios since we onboarded our first customers in July 2022.

Why Company Pension Plans Don’t Make Sense in Germany

Although company pension plans are very common in Germany, in the vast majority of cases they are not worthwhile. We show you why.

Public pension in Germany: Everything you need to know about it

Ever wondered how Germany's public pension works? We answer all your questions on this topic!

How do pensions work in Germany?

Learn why the German public pension won’t suffice for a comfortable retirement and explore other ways to secure your future.

Tax-Efficient Wealth Transfer in Germany: Pensionfriend's Solution for Capital Gains & Inheritance Tax Savings

Wealth transfers often face high taxation, but with a life insurance wrapper and strategic planning, you can significantly reduce or eliminate these costs.

Pensionfriend's Investment Advisory Philosophy

Learn about our fundamental investment advisory philosophy that forms the basis of our investment advice and recommendations.

Pensionfriend's Pension Plan (Out-)Performance: Putting Your Money to Work

Discover how we define (out-) performance and achieve it with the three portfolios in our Pensionfriend Pension Plan.

The Cost of Pensionfriend’s Pension Plan Explained

We explain our simple asset-based fee and why upfront, exit, and hidden costs can harm your pension savings.

Sustainable ETF Investment: How to Be a Responsible Pension Investor in Germany

Can sustainable investing lead to strong returns and a secure retirement? We explain how to invest in sustainable ETFs in Germany.

German Pensions: The 6 Biggest Mistakes You Want to Avoid

The German pension system is very complex, so it is important to make smart decisions and avoid mistakes. We show you the worst ones.

What Is Rebalancing and How Does It Help Saving for Your Pension in Germany?

When you invest in ETFs and stocks, it's important to keep rebalancing your portfolio. We'll explain why it matters and how best to do it.

Why Dividend Strategies Don't Live Up to the Hype and what you Should do Instead

Many investors prefer high-dividend stocks to generate passive income or invest in proven profitable companies. Does it make sense?

Why Guaranteed German Pension Products Just Aren’t Worth It

Guarantees sound like a great thing — but we will show you that they can also be a bad idea, especially when it comes to pension products.

The 3 Inheritance Tax Benefits of a Private Pension Plan in Germany

Learn how private pensions and inheritance rules in Germany can work to your advantage.

Can I get a German public pension refund: an overview

When does it make sense to request a refund of the contributions you paid to the public pension in Germany? We explain it to you!

How to Cancel Your German Company Pension Plan

Learn when and how to cancel your company pension, with free cancelation letter templates included.