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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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You don't need to pay an advisor. You can learn everything you need to know for free. Also be very careful with people recommending you to go 100% stock market. Make sure you know your risk tolerance before doing so.
There is really no risk here in Germany, the retirement saving contracts here are forced to guarantee their payout. The stock options just simply offer more payout. It's not just a stock portfolio that you pay into yourself and withdraw yourself, like is maybe common in the US or other places.
But yes of course all of it is learnable by yourself. But if you honestly have the money to save for retirement, then your money is better spent letting a professional (not working on commission) handle it.