How much is financial security worth?
Our prices and services below.
Check how much your investments will be worth in the future and what living standard you can expect.
Unlimited simulations for free.
Our simulator enables you to explore various assets and how they are likely to perform in different market conditions.
All assets are free but real-estate valuations are limited.
Create an account to enable you to keep track of and your data and prevent 3rd party misuse.
Explore your options: Request offers, build your understanding and compare them.
Unlimited simulations for free.
Our algorithm scans the market and ranks the available offers for you.
Should you have more questions, our experts are available to clarify them.
Depending on the investment you are looking to explore, you might be asked for additional information.
This lets us show your most relevant offers for your requirements.
Once you are happy with your selected investment plan, we’ll help you set it up.
Transparent prices that work for you
We are a fee-based broker with a fixed setup fee based on your monthly contribution to the investment plan.
Fee-based advice allows us to be truly independent from any provider and investment solution.
Calculate our setup fee below.
Some providers might involve paperwork that needs to be checked and validated by the provider.
All providers require ID and bank account verification.
Frequently asked questions
How are the numbers calculated?
These are examples based on our average client which is a high-income, earning 75k per year, 32 year old working and living in Germany intending to retire on the official retirement age of 67. For both sides the underlying investment is an S&P 500 ETF with 0.18% p.a. management cost. The solution selected by the person is a private pension plan from Mylife vs. a private pension plan from Allianz, which is the market leader in Germany. The effective costs are taken from a contract generated with each respective companies’ tool. The setup fee is included in the effective costs calculation and there are no other costs.
What is the potential annual tax refund?
The government allows you to tax-deduct retirement investments that meet certain criteria, should you pick this solution then for the given monthly contribution, our example would have a potential tax refund as calculated. Do note, that not every solution offered through the app has tax advantages.
How do I claim the tax refund?
If you have chosen a solution that qualifies for a tax refund, then you will receive an annual certificate for the tax authorities and when you file your annual taxes (through an online provider or through a consultant) then you have to make sure to declare this in your income tax return under the schedule of Pension Expenses (Vorsorgeaufwand).
How do I pay the fee?
The setup fee can be paid separately or it can be deducted from your initial monthly payments. If you are not able or willing to pay an upfront fee, we also provide commission-based contracts with an effective cost below 1% for most providers.
Do you also offer traditional plans?
Yes, as an independent broker we can offer any plan on the market and given our technology we are able to rank them for most beneficial outcome for your particular situation. You can find those plans in our app when you request an offer.
Are you independent?
Yes, we have no affiliation with any provider and we often recommend combinations of different providers to achieve desired goals from our clients. That said, we can only offer products that are on the market and do not have our own products.
How is my money protected?
Any investment you can contract through our app is offered by a BaFin regulated firm. As such, the firm will have many safeguards in place to protect your money. When it comes to pensions, BaFin always insists on having a contingency plan in place in case the provider would go insolvent and historically we see that existing contracts are often taken over by another BaFin regulated firm without loss to the client.
Can I choose my own ETFs?
Yes, the solution we recommend has more than 800 ETF’s that you can chose from.
Why would I pay a fee if I can do it myself?
Our application is designed to enable you to do everything on your own, from the exploration of investment possibilities, comparing them and signing up. The fees are there to be able to assist you with quality support during and after this process.
Can you help me tax-optimize my investment?
Yes, our experts are able to point out which investment plans have tax advantages and which one do not. In the app you can also see the total lifetime tax-advantage that you can have with one specific plan. Our experts can also explain the benefits of those plans when it comes to inheritance and estate planning, they are however not tax advisors and cannot give you a truly personalized advice for your tax situation and we recommend to always confirm your actual situation with a tax advisor.
Can I adjust my contributions?
Yes, you can adjust your contributions at any point in time.
What is TER?
TER is a shorthand for total expense ratio and is the industry standard for comparing annualized costs.
Don’t have enough capital for the setup fee?
No problem – we also offer traditional brokerage. Our technology allows us to find the highest performing plans for your situation.
On average, plans we recommend have a 20% higher outcome than other considered alternatives.