Pensionfriend Year Over Year Performance

Year-over-year (YoY) performance isn’t just a number—it’s the heartbeat of your retirement strategy. Here’s how we use it to secure your future:

1. Proven Resilience in Volatile Markets
   In 2024, our Global portfolio delivered +25.76%, while Global Green and Euro Green achieved +24.81% and +12.28%, respectively. These results reflect our commitment to outperforming benchmarks like the MSCI World by 2% annually. YoY tracking ensures we capture growth in bullish markets and shield your savings during downturns.

2. Smart Adjustments, No Hidden Costs
   YoY analysis allows us to refine asset allocations and rebalance portfolios automatically—without triggering capital gains taxes. Unlike traditional pensions with upfront fees or exit penalties, we charge just 0.49–0.79% annually, ensuring your money works harder for you.

3. Transparency You Can Trust
   We publish performance metrics openly because we believe in accountability. Our clients see exactly how compounding and tax-free growth accelerate their savings—no surprises, no jargon.

Transparency as a core value

Every year we prepare a detailed report for our customers with portfoli performance and market overview. See more for each year:

• 2023 Annual Report: English, German

• 2024 Annual Report: English, German

The Pensionfriend Advantage: More Than Just Numbers

YoY performance is a window into our philosophy:

• Tax Efficiency: Our “tax wrapper” shields rebalancing gains and allows tax-free compounding. Withdraw after 62, and only half your returns are taxed.

• Sustainability: The Global Green portfolio’s +24.81% YoY growth in 2024 proves responsible investing can deliver strong returns.

• Flexibility: Adjust contributions anytime, retire anywhere, and even add beneficiaries—like your children—to your plan.

Looking Ahead: Your Retirement, Optimized

At Pensionfriend, YoY performance isn’t a vanity metric—it’s a promise. We’ve designed our portfolios to outperform while keeping costs among the lowest in Germany 14. Whether you’re an expat planning to retire abroad or a local saver seeking stability, our data-driven approach ensures your pension grows steadily, year after year.

Ready to See Your Progress?

• 📊 Calculate your performance with our Pension Dashboard.

• 📅 Join our free webinar to learn how we outperform traditional pensions.

• 💡 Learn more Pensionfriendor discover interactive articles and calculators.