#Altersvorsorge

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January 14, 2026

The 15 Million Franc Retirement Myth: What Swiss Residents Actually Need

A data-driven reality check on the viral claim that you need 15 million francs to retire comfortably in Switzerland, examining the three-pillar system, realistic withdrawal rates, and what your Pensionskasse actually delivers.

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ETF-Fondsrente: Komplizierte Werbung oder seriöse Altersvorsorge?

Germany

January 13, 2026

ETF-Fondsrente: Komplizierte Werbung oder seriöse Altersvorsorge?

A viral ad for an ETF-based pension product promises tax miracles and stress-free returns. We dissect the fine print, hidden costs, and why that ‘free’ insurance might cost you €30,000.

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Germany

January 13, 2026

Bayerische Versorgungskammer: How a €690 Million Loss Exposes Germany’s Pension Fund Risks

The Bavarian pension fund’s massive loss on US real estate reveals critical lessons about due diligence, risk management, and the false security of public retirement schemes in Germany.

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Riester Nachfolge: The Childless Saver’s Dilemma

Germany

December 25, 2025

Riester Nachfolge: The Childless Saver’s Dilemma

The new German pension reform promises up to €480 in state bonuses, but childless savers get a raw deal. Here’s why the math doesn’t add up for those without kids.

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Germany

December 16, 2025

Young Earners in Germany: Where to Put Your First Serious Savings (And Why Your Bank Advisor Is Wrong)

A 27-year-old’s €340 monthly investment plan reveals the systemic problems with German financial advice, and what young professionals should actually do with their first real salary.

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