{"id":815,"date":"2025-10-20T16:43:04","date_gmt":"2025-10-20T14:43:04","guid":{"rendered":"https:\/\/www.fallerfinance.com\/faq\/my-investments\/"},"modified":"2025-11-03T16:53:47","modified_gmt":"2025-11-03T15:53:47","slug":"my-investments","status":"publish","type":"page","link":"https:\/\/www.fallerfinance.com\/en\/faq\/my-investments\/","title":{"rendered":"My Investments"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#DBC078&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(0,0,0,0.4) 0%|rgba(0,0,0,0.4) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/www.fallerfinance.com\/wp-content\/uploads\/2025\/08\/faller-finances-background-equipe.webp&#8221; parallax=&#8221;on&#8221; custom_padding=&#8221;100px|20px|80px|20px|false|true&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_post_title meta=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;40px&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_post_title][dsm_breadcrumbs home_text=&#8221; &#8221; home_icon=&#8221;&#xe074;||divi||400&#8243; align=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; items_text_color=&#8221;#DBC078&#8243; home_icon_text_color=&#8221;#DBC078&#8243; separators_text_color=&#8221;#DBC078&#8243; current_text_color=&#8221;#FFFFFF&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/dsm_breadcrumbs][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#15171C&#8221; custom_padding=&#8221;100px|20px|0px|20px|false|true&#8221; custom_padding_tablet=&#8221;70px||||false|true&#8221; custom_padding_phone=&#8221;50px||||false|true&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;800px&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_text_color=&#8221;#DBC078&#8243; header_2_font_size=&#8221;24px&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>Do I Need to Open a Bank Account in Germany to Invest?<\/h2>\n<p><\/p>\n<p>No, it is not mandatory.<\/p>\n<p><\/p>\n<p>However, a local account simplifies: salary payments, direct debits, bank cards, and transfers to your investments.<\/p>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">\ud83d\udc49 Faller Finance recommends a German account for easy management of your investments.<\/p>\n<h2>Can I Invest from My French Account?<\/h2>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">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.<\/p>\n<h2>Can I Keep My French Products while in Germany?<\/h2>\n<p><\/p>\n<ul>\n<li>Livret A: retention is possible, but interest is taxable in Germany.<\/li>\n<li>PEA: can remain open, but is not usable outside of France, and gains are subject to German tax.<\/li>\n<li>LDD: must be closed, as it requires residency in France.<\/li>\n<li>Livret Jeune: must be closed, as it requires residency in France.<\/li>\n<\/ul>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">\n<h2>Is it Possible to Invest in SCPIs from Germany?<\/h2>\n<p><\/p>\n<p>Yes, some SCPIs accept German residents.<\/p>\n<p><\/p>\n<p>Faller Finance assists its clients with:<\/p>\n<p><\/p>\n<ul>\n<li>Identifying accessible SCPIs,<\/li>\n<li>Comparing returns and development prospects,<\/li>\n<li>Optimizing the taxation of rental income.<\/li>\n<\/ul>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">\n<h2>What other Investments are Suitable for Expatriates?<\/h2>\n<p><\/p>\n<ul>\n<li>French or German life insurance: secure, with advantageous tax treatment.<\/li>\n<li>Stocks or investment funds: diversification and exposure to financial markets.<\/li>\n<li>German products reserved for residents: specific funds and contracts offering local tax advantages.<\/li>\n<\/ul>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">\n<h2>Are My Investments Taxed in Germany?<\/h2>\n<p><\/p>\n<p>Yes, all financial income generated (interest, dividends, capital gains) is taxable.<\/p>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">The France-Germany tax treaties help avoid double taxation. \ud83d\udc49 Faller Finance analyzes each portfolio to legally reduce your tax burden. <\/p>\n<h2>Can I Deduct My Contributions and Fees Related to Investments?<\/h2>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">Yes, certain premiums (life insurance, SCPIs) or investment fees may be partially deductible, under specific conditions. A personalized study is recommended. <\/p>\n<h2>What Happens if I Leave Capital to My Children in Germany?<\/h2>\n<p><\/p>\n<p>German tax law applies:<\/p>\n<p><\/p>\n<ul>\n<li>Exemption up to \u20ac400,000 per beneficiary every 10 years.<\/li>\n<li>French taxes may apply depending on your tax residency and that of your children.<\/li>\n<\/ul>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">Each situation warrants a personalized study to optimize wealth transfer.<\/p>\n<h2>Can I Transfer French SCPIs or Life Insurance to My Relatives Residing in Germany?<\/h2>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">Yes, but tax rules differ: tax declaration and calculation are mandatory in both Germany and France.<\/p>\n<h2>Should I Prioritize Investing in France or Germany?<\/h2>\n<p><\/p>\n<p>It all depends on your objectives:<\/p>\n<p><\/p>\n<ul>\n<li>Taxation: certain German products offer local advantages.<\/li>\n<li>Accessibility: some funds and SCPIs are reserved for French residents.<\/li>\n<li>Diversification: investing in both countries reduces risk and optimizes returns.<\/li>\n<\/ul>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">\n<h2>Can I Transfer My French Contracts to Germany?<\/h2>\n<p><\/p>\n<p>Yes, but the tax implications must be evaluated:<\/p>\n<p><\/p>\n<ul>\n<li>Redemptions or transfers can generate immediate taxation,<\/li>\n<li>Some French contracts remain more advantageous even from Germany.<\/li>\n<\/ul>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">\n<h2>Should Different Types of Investments be Combined?<\/h2>\n<p><\/p>\n<p>Yes, diversification is key: real estate (SCPIs), financial markets (PEA, funds), life insurance, local German products.<\/p>\n<p><\/p>\n<p>This allows for:<\/p>\n<p><\/p>\n<ul>\n<li>Securing your assets,<\/li>\n<li>Benefiting from multiple tax advantages,<\/li>\n<li>Ensuring a supplementary pension or future income.<\/li>\n<\/ul>\n<p><\/p>\n<p style=\"margin-bottom:40px;\">\n<h2>Faller Finance Support for Expatriates<\/h2>\n<p><\/p>\n<p>We help our clients to:<\/p>\n<p><\/p>\n<ul>\n<li>Identify products accessible to expatriates,<\/li>\n<li>Optimize tax and returns,<\/li>\n<li>Secure transfers and inheritances,<\/li>\n<li>Build a personalized strategy tailored to their situation and objectives.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p><div class=\"et_pb_module dsm_breadcrumbs dsm_breadcrumbs_0\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module_inner\">\n\t\t\t\t\t<nav class=\"dsm_breadcrumbs_wrap\">\n\t\t\t\t<ul class=\"dsm_breadcrumbs\" itemscope itemtype=\"https:\/\/schema.org\/BreadcrumbList\">\t\t\t<li class=\"dsm_breadcrumbs_item dsm_home_item dsm_home_item_custom\" itemprop=\"itemListElement\" itemscope\n\t\t\titemtype=\"https:\/\/schema.org\/ListItem\">\n\t\t\t\t<a href=\"https:\/\/www.fallerfinance.com\/en\/\" itemprop=\"item\" target=\"\">\n\t\t\t\t\t<span class='dsm_home_text_wrapper'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"et-pb-icon dsm_home_icon\">&#xe074;<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"dsm_home_text\" itemprop=\"name\">\n\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t<meta itemprop=\"position\" content=\"1\" \/>\n\t\t\t<\/li>\n\n\t\t<li class=\"dsm_breadcrumbs_separator\"> <span class=\"et-pb-icon dsm_separator_icon\">5<\/span><\/li><\/ul>\n\t\t\t<\/nav>\n\t\t\t\t<\/div>\n\t\t\t<\/div>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.\ud83d\udc49 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":656,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-815","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investments in Germany \u2013 The Essentials | Faller Finance<\/title>\n<meta name=\"description\" content=\"Investments in Germany: real estate, financial investments\u2026 Advice for effective investing as an expatriate, optimizing tax and returns.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fallerfinance.com\/en\/faq\/my-investments\/\" \/>\n<meta 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