Contribute from as little as 100 € / mo.
Hand-picked portfolios from 500+ ETFs
Benefit from tax-free compounding
Digital, low-cost solution for worldwide retirement
Why do you need a Private Pension Plan?
Public pensions in Germany often fall short of providing a comfortable retirement. Self-managed investments through brokers frequently yield poor returns and lack tax benefits.
Easily calculate when you can retire
See how much you’ll have in retirement
Save and retire anywhere in the world with our digital, low-cost pension plan
German Public Pension Limitations
Public pensions in Germany often fall short of providing a comfortable retirement.
Insurance Complexity and Cost
Insurance-based retirement plans lack transparency and come with high fees.
The Drawbacks of Self-Investing
Self-managed investments through brokers frequently yield suboptimal returns and lack tax efficiency.
Pensionfriend: The Best of Both Worlds
Pensionfriend merges the tax advantages of insurance with the cost-effectiveness and performance of ETFs.
Expert Guidance
Gain peace of mind with a retirement expert guiding you every step of the way.
Unmatched Flexibility
Enjoy complete control over your retirement savings with flexible contributions and withdrawals.
Who is Pensionfriend for?
We recommend you the optimal composition of our outperforming portfolios. You benefit from tax-free, automatic rebalancing so you can retire with more!
Our three ETF-based pension products
We’ve created three investment portfolios, based on our detailed analysis of the longest data series available. It dynamically adapts based on your income, age and portfolio performance. i
«We expect to perform 2% better than the MSCI World Index»
Dr. Chris Mulder. Former IMF and World Bank Manager, who advised Public Officials managing trillions of euros in assets.
Pensionfriend Portfolio Performance in 2024
+ 25,76 %
Global
+ 24,81 %
Global Green
+ 12,28 %
Euro Green