PRIVATE CLIENTS · BUILDING WEALTH
Anyone without private provision will have to live on whatever the state leaves them.
Free first consultation →The problem
The state pension currently replaces around 48% of final net income, and that share is falling. Anyone who wants the same quality of life in retirement has to build the difference themselves. The later you start, the more each euro saved costs you. Most people systematically underestimate the gap.
Our solution
We work out your personal pension gap from your income and your expected state pension, establish which state subsidies you can claim, and develop a strategy matched to your circumstances, independently of any particular product or provider.
Book an appointment →The hard facts
48%
That is the pre-tax replacement level the state pension is meant to hold in the long run. It replaces only part of your final income, and the difference is yours to close.
22%
More than one person in five in Germany is already 67 or older. Demographic change puts the pay-as-you-go system under further strain.
€1,500+
Holding your standard of living in retirement can easily need several hundred euros extra a month, which over the years adds up to a six-figure sum.
67
By 2031 the standard retirement age for the full state pension rises in stages to 67. Anyone wanting to stop earlier needs savings of their own.
Worth knowing
Thanks to compounding, money invested early does most of the work over the years.
It is meant as basic security, not as your sole provision. Private or workplace arrangements sensibly build on it.
What is enough today is often not enough in 20 or 30 years. Any plan should allow for that.
Which building blocks suit you depends on income, age and goals, and that is exactly what we look at together.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
TAKING THE SUBSIDY
From 2027 the new state-backed pension account (Altersvorsorgedepot) subsidises private provision directly, with allowances and full freedom to invest in ETFs. Start early and you get both the subsidy and compounding working for you.
up to €540
of subsidy a year: depending on what you pay in yourself, the new pension account can attract state contributions of up to €540 annually.
from 2027
For new contracts the pension account replaces the classic Riester pension, and for the first time allows state-subsidised retirement provision invested in the capital markets.
100%
ETF-ready: depending on how the product is set up, the account can be invested entirely in ETFs and funds, offering better long-term return prospects than classic guaranteed products.
The pension account simplifies the subsidy and points it more firmly towards long-term wealth building in the capital markets.
Depending on your situation, transferring into the new pension account may be possible. Whether it is worthwhile should be examined case by case.
Meet the conditions and claim the subsidy, and you can collect substantial state contributions towards your savings over many years.
Which subsidies and arrangements suit you best depends on income, family situation, occupation and personal goals. A tailored plan can make a large difference over the long run.
A free first consultation, in person, by phone or by video. You then decide how to proceed.
Book an appointment →