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My Investments

Do I Need to Open a Bank Account in Germany to Invest?

No, it is not mandatory.

However, a local account simplifies: salary payments, direct debits, bank cards, and transfers to your investments.

👉 Faller Finance recommends a German account for easy management of your investments.

Can I Invest from My French Account?

Yes, for certain products such as life insurance or SCPIs, but opening a German account facilitates access to local investments and funds reserved for residents.

Can I Keep My French Products while in Germany?

  • Livret A: retention is possible, but interest is taxable in Germany.
  • PEA: can remain open, but is not usable outside of France, and gains are subject to German tax.
  • LDD: must be closed, as it requires residency in France.
  • Livret Jeune: must be closed, as it requires residency in France.

Is it Possible to Invest in SCPIs from Germany?

Yes, some SCPIs accept German residents.

Faller Finance assists its clients with:

  • Identifying accessible SCPIs,
  • Comparing returns and development prospects,
  • Optimizing the taxation of rental income.

What other Investments are Suitable for Expatriates?

  • French or German life insurance: secure, with advantageous tax treatment.
  • Stocks or investment funds: diversification and exposure to financial markets.
  • German products reserved for residents: specific funds and contracts offering local tax advantages.

Are My Investments Taxed in Germany?

Yes, all financial income generated (interest, dividends, capital gains) is taxable.

The France-Germany tax treaties help avoid double taxation. 👉 Faller Finance analyzes each portfolio to legally reduce your tax burden.

Can I Deduct My Contributions and Fees Related to Investments?

Yes, certain premiums (life insurance, SCPIs) or investment fees may be partially deductible, under specific conditions. A personalized study is recommended.

What Happens if I Leave Capital to My Children in Germany?

German tax law applies:

  • Exemption up to €400,000 per beneficiary every 10 years.
  • French taxes may apply depending on your tax residency and that of your children.

Each situation warrants a personalized study to optimize wealth transfer.

Can I Transfer French SCPIs or Life Insurance to My Relatives Residing in Germany?

Yes, but tax rules differ: tax declaration and calculation are mandatory in both Germany and France.

Should I Prioritize Investing in France or Germany?

It all depends on your objectives:

  • Taxation: certain German products offer local advantages.
  • Accessibility: some funds and SCPIs are reserved for French residents.
  • Diversification: investing in both countries reduces risk and optimizes returns.

Can I Transfer My French Contracts to Germany?

Yes, but the tax implications must be evaluated:

  • Redemptions or transfers can generate immediate taxation,
  • Some French contracts remain more advantageous even from Germany.

Should Different Types of Investments be Combined?

Yes, diversification is key: real estate (SCPIs), financial markets (PEA, funds), life insurance, local German products.

This allows for:

  • Securing your assets,
  • Benefiting from multiple tax advantages,
  • Ensuring a supplementary pension or future income.

Faller Finance Support for Expatriates

We help our clients to:

  • Identify products accessible to expatriates,
  • Optimize tax and returns,
  • Secure transfers and inheritances,
  • Build a personalized strategy tailored to their situation and objectives.