The #1 pension plan in Germany without upfront costs.
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
Easily calculate when you can retire with PF mobile pension dashboard on a hand

Easily calculate when you can retire

Just answer a few questions to see when you can retire and if Pensionfriend can help you retire earlier
We calculate your expected pension based on estimates of your public pension, returns from your pension plan and other assets

See how much you’ll have in retirement

We calculate your expected pension based on estimates of your public pension, returns from your pension plan and other assets

Pensionfriend is an ETF-based Private Pension Plan

We recommend you the optimal composition of our outperforming portfolios. You benefit from tax-free, automatic rebalancing so you can retire with more!

Global

Global large and small capitalization companies that historically outperform the MSCI World Index.

Currency
USD
ETF cost per year
0,25 %
Pensionfriend cost per year
0,79 %
Expected annual return
8,05 %
Average historic performance
13,0 %
Expected net assets at age 67*
452.551 €

Global Green

Large and small capitalization companies, fulfilling environmental, social and governance (ESG) criteria.

Currency
USD
ETF cost per year
0,28 %
Pensionfriend cost per year
0,79 %
Expected annual return
7,90 %- 8,20 %
Average historic performance
14,2 %
Expected net assets at age 67*
449.163 €

Euro Green

European large and small capitalization companies, fulfilling environmental, social and governance (ESG) criteria.

Currency
EUR
ETF cost per year
0,26 %
Pensionfriend cost per year
0,79 %
Expected annual return
7,20 %
Average historic performance
8,01 %
Expected net assets at age 67*
284.575 €
*These are example calculations for a 30 year old who invests 2.000 € one-time and 250 € monthly until their retirement at age 67.

How Pensionfriend compares

We compared private, public and company pension plans to see how you can best retire in Germany. The private pension plan outperforms them all by far.

Retire anywhere. Click to learn more.

Chart showing the monthly income from different pension types after 30 years of monthly payment of 100 €.
Graph illustrating the compound interest effect, becoming stronger the longer it is allowed to work.

Invest today so you can retire earlier

The sooner you start investing, the more your tax-free returns will compound over time, and the sooner you can retire

Why Pensionfriend

Visualization of the tax benefits of the Pensionfriend private pension plan.

Tax-benefits

With Pensionfriend's tax wrapper, you benefit from tax-free compounding on your investments. You're only subject to taxation on half of the return on your investment, once at retirement.

Picture illustrating Pensionfriend's low running costs of only 0.8% per year.

Low cost

We’re confident in our performance, so we don’t charge upfront fees. We only charge 0,79 % per year and we have no cancellation fees.

Fully digital and flexible

Use our digital app to easily manage your private pension plan from wherever, whenever. Pay in as little as 100 € monthly and adjust your contributions, pause or cancel at any time.

Illustrating the option of transferring the Pensionfriend Pension Plan within the EU.

Transferable across Europe

You can take your pension plan to any country within the European Economic Area (EEA) and continue saving from there. Paying out in most countries around the world is also possible.

Illustrating the option to use Pensionfriend for saving equity to buy a property.

The smart way to save for a home

Benefit from tax-free compounding on your savings and use your pension plan as collateral for a mortgage without having to sell your assets.

Illustrating how you're savings in the Pensionfriend Pension Plan are 100 % protected by law.

100 % safe and protected assets

Your assets are held by our cooperation partner, Liechtenstein Life. They are yours even in the unlikely event of an insolvency. Learn more about how your investments are protected .

Why Pensionfriend's Pension Plan?

Virtually every other Private Pension Plan (PPP) in Germany comes with high upfront fees of 2-3 % on life-time contributions. Pensionfriend charges only a small annual fee and delivers outperformance.

The net monthly income that you would
receive for 20 years after retirement given you
contribute 100 € per month for 30 years.

Outperformance

Not all ETFs are the same: our unbiased recommendation tool helps you find the best suited ETF portfolio

No upfront fees

Because we are confident in our performance, we don't charge upfront fees.

Low cost

0,79 % annually - lowest cost in the industry. In comparison your annual tax benefit is 0,6-1 %.
More about our costs

How Pensionfriend compares to other investment plans

Pensionfriend
Pension Plan
Yearly costs 0,79 % *
Yearly tax-savings 0,6 - 1 %
Outperformance with unbiased data
Recommended fund selection
Digital experience
Advice on lowest effective cost ETFs
Automatic rebalancing of funds to target benchmark with outperforming algorithm
Active management – automated advice
ETF-Saving Plan
Yearly costs 0,9 %
No tax-savings
No outperformance with unbiased data
No recommended fund selection
Digital experience
No advice on lowest effective cost ETFs
No automatic rebalancing of funds to target benchmark
No active management
Robo Advisor
Yearly costs 1 %
No tax-savings
No outperformance with unbiased data
No recommended fund selection
Digital experience
No advice on lowest effective cost ETFs
Automatic rebalancing of funds to target benchmark
Active management – automated advice
Investment Advisor
Yearly costs more than 1,5 %
No tax-savings
No outperformance with unbiased data and certainly not after cost
Recommended fund selection
No digital experience
No advice on lowest effective cost ETFs
Maybe automatic rebalancing of funds to target benchmark
Active management – automated advice

Pensions in Germany explained

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In this article, we will focus on explaining the costs. Not only our costs, and why we opted for a very simple fee based on the size of your assets, but also why alternative cost structures with upfront, exit and hidden fees can be so detrimental for your pension.

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