Pensionfriend is your digital companion and advisor on the way to a financially safe and sound future. We help you evaluate your individual pension needs and the best solution to get to a solid pension.
Germany's pension system is immensely complex. We have therefore made it our job to understand it better than anyone. And we want to use those insights to help you navigate the system and get the best solutions.
In Germany, for nearly all, the best way to supplement your pension, with current interest rates, is through real estate or with a private pension insurance. Pensionfriend has therefore focussed on finding a low-cost solution to offer a private pension plan.
Our Pensionfriend Pension Plan is an ETF-based private pension insurance. In addition to low cost, we have focussed on finding ETFs that outperform the best standard stock index. We apply unbiased data methods and fundamental economic and financial insights to select among 500 ETFs, a superior ETF mix, which outperforms the MSCI World index by 2 %. And finally, you don't need to worry about rebalancing your portfolio, our algorithms take care of that for you and eke out yet some further extra return.
In our article Private Pension Insurance in Germany: Overview & Best Options you can learn more about the various solutions (and their pros and cons).
In a nutshell, the reason why most alternatives do not work is that they de facto limit the investment to products with 0-2 % return before cost, have disproportionate costs (1,5-4 %), and or have a sizable drag in the retirement phase as assets are no longer invested. We quantify exactly the after-tax benefits of each product, as this is the only way to measure and compare the impact of the various costs and benefits.