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retirement savings in Germany, how much do I need?
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this post was submitted on 18 Jan 2026
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Asklemmy
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I don't know German retirement systems, and I'm not a financial professional. But if you have employer match contributions, talk to them to see if you can max it out.
Outside that look at savings in tax-free envelopes here we have ISA's Americans have ROFFS? I think.
We can have a stocks and shares ISA, my personal strategy is to use that with a low cost all world ETF and a little bit in safety nets like gold and bonds.
Look to investing in a Sipp if you want to contribute more and handle a retirement fund yourself, again not sure how applicable this is to Germany.
If you just want to save, look at something similar to a cash ISA AKA something that is Tax-free and has an interest rate that will outpace inflation.