Retirement Planning
Planning your retirement allows you to significantly improve your future pension.
Don’t let uncertainty hang over your financial future.
By taking advantage of flexible, international savings solutions designed for expats, you gain access to the most powerful tools in terms of tax benefits and public subsidies.
Faller Finances supports you with personalized advice and tailored solutions. Keep in mind that the earlier you start saving, the smaller the financial effort will be over time.
A Global, Tax-Optimized and Portable Solution Starting Today
Germany offers a highly advantageous framework for retirement savings, especially for expats. In particular:
✔ Flexible, Worldwide Savings Solutions
Retirement plans designed to suit a “multi-country” lifestyle and the international mobility of expats. This allows you to continue your investments without interruption when moving between countries.
✔ Strong Tax Advantages
Some contributions are 100% deductible from your taxable income, resulting in significant reductions recovered as tax credits.
✔ Government Subsidies
Bonuses paid by the German state for your beneficiaries — for example, €175 per year for the policyholder and €300 per year per child under certain retirement savings plans. These subsidies supplement your savings effort at no additional cost to you.
✔ Attractive Returns
Strong annual returns on your retirement savings, thanks to dynamic investments backed by capital guarantees.
✔ International Portability
The ability to keep your contracts and acquired rights even if you permanently leave Germany — without facing penalties or having to close your plans.
Faller Finance helps you understand how the German system works and how to best combine it with your overall retirement strategy to make the most of the benefits on both sides.
Why Plan for Retirement Now (Even at 30)
Retirement feels far away? Starting early changes everything — and not just for seniors!
✔ Lower Savings Effort
The earlier you start, the smaller your monthly effort needs to be. With time on your side, even small amounts can grow into significant capital by retirement. It’s the best strategy to prepare for the future without straining your budget today.
✔ Tax Returns & Subsidies
Up to 45% of your contributions can be deducted from your income tax. And on top of that: €175 for you and €300 per child, paid annually by the German state. The result? A retirement savings plan that often costs you much less than it earns.
✔ Returns & Portability
You benefit from a competitive annual return, higher than traditional savings products. Most importantly, your plans are 100% portable: you can keep and grow them even if you leave Germany.
✔ A Vital Supplement to Public Pensions
The basic pension systems in both France and Germany no longer guarantee a sufficient standard of living. By planning ahead, you build real financial independence for your future — safely and securely.
Faller Finance: Your Partner for a Peaceful Retirement
Faller Finance has developed strong expertise in supporting French expats in Germany with their retirement planning.
1.
International Assessment
Personalized assessment of your pension rights acquired in France and Germany, with your international career taken into account, including detailed simulations of your future retirement income.
2.
Tailor-Made Strategy
Building an optimized retirement plan: Rürup-Rente, Riester-Rente, international life insurance, financial or real estate investments — all tailored to your tax and retirement goals.
3.
Simplified Implementation
Subscription to the selected plans, preparation of documents, coordination with institutions, full administrative support — you sign, we take care of the rest.
4.
Annual Follow-Up and Adjustments
Regular reviews, adjustments based on tax changes or life plans (returning home, moving to another country), and continuous support.
Ready to Secure Your Future?
It’s never too early or too late to make the right decisions and secure your retirement.
Don’t wait until the last minute to secure your future — book an appointment today and make your expatriation a long-term success, right through to retirement.