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Helping expats navigate life in Germany - from bureaucracy and finances to building long-term wealth.
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16d •
Germany Insider Live: Understanding Germany’s Financial & Pension System
Missed today’s live session? You can now watch the full recording. In this edition of Germany Insider Live, we took a closer look at the German financial system, with a particular focus on: • How the German pension and retirement system works • What you should know about your future retirement income • Important financial considerations when living and working in Germany • Current market insights and developments Understanding these systems early can make a major difference when it comes to your long-term financial planning in Germany. Watch the recording, take some notes, and feel free to leave your questions in the comments. And make sure to join us live next time - the live sessions are also your opportunity to ask your individual questions directly.
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0 likes • 23d
@Marie Lamoureux Yes, that can definitely be a smart addition. 😊 One important thing to be aware of is that there are two different types of dental insurance (Zahnzusatzversicherung) in Germany: - With ageing reserves (Altersrückstellungen) ... You usually pay a bit more when you’re younger, but your premium stays much more stable over time, often even into retirement. - Without ageing reserves ... The initial premium is lower, but it generally increases as you get older. That’s one of the key differences to consider when choosing a policy, as it can make a significant difference in the long run. If you have any questions or would like to compare the different options, feel free to reach out anytime! 😊
0 likes • 16d
@Gavin Jones That’s a great question! It really depends on your individual situation. There isn’t a one-size-fits-all answer. We can happily review your situation and help you make an informed decision. I’ve just sent you a private message. 😊
0 likes • 20d
@Jozef L welcome to the community! 😎
0 likes • 16d
@Gavin Jones welcome Gavin! 🫡
26d •
Ask Your Questions
Use this thread for any questions about life, finances or bureaucracy in Germany.
0 likes • 23d
@Marie Lamoureux Great question - and one that surprises many expats! 😊 If you’re an EU citizen living in Germany, you can vote in local (municipal) elections, even if you don’t have German citizenship. However, you cannot vote in federal or state elections unless you’re a German citizen. To vote in the local elections: - Make sure your main residence (Hauptwohnsitz) is registered in Germany. - If you’re eligible, you’ll usually receive a voter notification (Wahlbenachrichtigung) by mail before the election. - The letter tells you where your polling station is and when you can vote. You can also usually apply to vote by post if needed. - If you’re not an EU citizen, you unfortunately can’t vote in local elections in Germany under the current rules.
26d •
Start Here
Welcome! Start with the Germany Starter Guide before exploring the rest of the Academy.
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