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.
Meet Pensionfriend: your retirement solution
We help you invest and retire safe and sound with our low-cost, high-performance pension plan.
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 2023
+ 20,77 %
Green Portfolio
+ 21,57 %
Global Green
+ 18,33 %
Euro Green
How does Pensionfriend compare?
Understand how Pensionfriend compares to investing in ETFs directly or how it compares to a more classic private pension product with upfront fees.
Your preferences
What is your monthly contribution?
Monthly contribution?
300 €
How old are you?
35
What is your upfront contribution?
Investing directly | Pensionfriend | |
---|---|---|
Fees and taxes | 0,00 % | 0,00 % |
Fees
i
| 0,00 % | 0,00 % |
Capital gains tax
i
| 0,00 % | 0,00 % |
Witholding tax
i
| 0,00 % | 0,00 % |
On rebalancing
i
| 0,00 % | 0,00 % |
On withdrawal
i
| 0,00 % | 0,00 % |
Technical benefits
i
| 0,00 % | 0,00 % |
Tracking difference
i
| 0,00 % | 0,00 % |
ETF cost
i
| 0,00 % | 0,00 % |
Index replication
i
| 0,00 % | 0,00 % |
Rebalancing algorithm
i
| 0,00 % | 0,00 % |
Partner tax benefit
i
| 0,00 % | 0,00 % |
Portfolio quality
i
| 0,00 % | 0,00 % |
Summary | 0,00 % | +0,00 % |
Investing directly | Pensionfriend | |
---|---|---|
Fees and taxes | 0,00 % | 0,00 % |
Fees
i
| 0,00 % | 0,00 % |
Capital gains tax
i
| 0,00 % | 0,00 % |
Witholding tax
i
| 0,00 % | 0,00 % |
On rebalancing
i
| 0,00 % | 0,00 % |
On withdrawal
i
| 0,00 % | 0,00 % |
Technical benefits
i
| 0,00 % | 0,00 % |
Tracking difference
i
| 0,00 % | 0,00 % |
ETF cost
i
| 0,00 % | 0,00 % |
Index replication
i
| 0,00 % | 0,00 % |
Rebalancing algorithm
i
| 0,00 % | 0,00 % |
Partner tax benefit
i
| 0,00 % | 0,00 % |
Portfolio quality
i
| 0,00 % | 0,00 % |
Summary | 0,00 % | +0,00 % |
What is your monthly contribution?
Monthly contribution?
300 €
How old are you?
35
What is your upfront contribution?
Our pricing is transparent and fair
We’re confident in our performance. That’s why we don’t charge any upfront, withdrawal, or cancellations fees unlike almost every other broker in Germany. Also, when your assets grow, we charge you less over all of your pension savings.
0,79
per year
for all pension savings under 250.000 €
0,59
per year
from 250.000 € in pension savings onwards
0,49
per year
from 500.000 € in pension savings onwards
No cancellation fees
iNo rebalancing costs
iNo upfront fees
iNo withdrawal fees
i