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You will definitely pay for this in Germany.

Riester Rente is not suitable for: * **High earners:** Those in the highest tax brackets may not benefit as much from the tax advantages. * **People with low income/no tax liability:** If you don't pay income tax, you won't receive tax refunds (Steuererstattung), which are a key component of Riester Rente benefits. * **Self-employed individuals (in some cases):** While some self-employed individuals can take out a Riester contract, it's not as straightforward as for employees, and other pension options might be more beneficial. * **Those who want flexibility:** Riester Rente is designed for long-term retirement savings and usually has restrictions on early withdrawal without penalty. * **People who don't want to commit to long-term savings:** The benefits of Riester Rente are realised over time, so it's not ideal for short-term financial goals.

10 useless insurances in Germany

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Chancenkarte - visa for job seeking

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Work visas for Germany and their types

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Freelancer's Handbook in Germany

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O4, 4, 68161 Mannheim
Visits by appointment only.

Request a consultation

Insurance
Health

Dental insurance

Tariff comparison
Dental prosthetics: a guide to choosing insurance
Braces and orthodontics in Germany
Basic dental insurance
If treatment has already been prescribed
How to use insurance
Paediatric dentistry

Private medical insurance

About private medical insurance
What is included in private health insurance?
Switching from private to state insurance and vice versa
Myths about private medical insurance
Medical insurance for entrepreneurs

State medical insurance

Early cancer detection programme

Outpatient insurance

Vision insurance

Hospital

Sick pay

Pension schemes

Basis Pension / Rürup Pension

Riester Pension Scheme

Pension investments Unit-linked life insurance

Altersvorsorgedepot: new pension scheme 2027

Widow(er)'s pension

Review of pension schemes

State pension in Germany

VL life insurance

Child savings

Risk insurance

Accident insurance

Loss of earning capacity

Life insurance

Funerals in Germany

Long-term care insurance

For business

A Guide to Business Insurance

Legal insurance for businesses

Corporate Legal Protection

Beauty business insurance

Medical insurance for entrepreneurs

Property

Home contents insurance

Glasbruch (Glass Breakage) Insurance

Property insurance

Phone/tablet insurance

Deposit

Animals

Cat insurance

Dog insurance

Travel

Guest insurance in Germany

Travel insurance

Winter sports

Rental car excess insurance

Vehicles

Motor insurance

Bicycle insurance

Electric scooter insurance

Green Card and border insurance

Responsibility

Personal liability insurance

IT professionals' liability insurance

Legal expenses insurance

Drones/quadcopters

Blog

Important insurances in Germany

10 useless insurances in Germany

Braces and orthodontics in Germany

eVB number

Show more
Investments
Investing with easyInvesto

Investing with ComfortInvest

Investing with Whitebox

Pension investments Unit-linked life insurance

Investing in gold

ETF brokerage account

Blog

What's the difference between easyInvesto and ComfortInvest?

Cash withdrawal

Taxation of investments

Cryptocurrency taxation

Everything you need to know about ETFs

Show more
Finance and lending
Finance

Blocked account

Credit cards

Consumer credit

Bausparen - building savings contract

VL Building Savings Contract

Taxes

Tax classes

Child allowance and child benefit

Parental support and tax relief

Pension tax

Show more

For entrepreneurs

How to become self-employed/freelancer

Company and self-employment registration procedure

Accounting and tax return software and applications

Blog

Cash withdrawal

Money transfers

SCHUFA

Features of a consumer loan

Show more
Suppliers
Contracts

Electricity

Gas

Internet

Blog

Termination of contract

Show more
Blog
Insurance

A financial consultant - who are they?

You will definitely pay for this in Germany.

Riester Rente is not suitable for: * **High earners:** Those in the highest tax brackets may not benefit as much from the tax advantages. * **People with low income/no tax liability:** If you don't pay income tax, you won't receive tax refunds (Steuererstattung), which are a key component of Riester Rente benefits. * **Self-employed individuals (in some cases):** While some self-employed individuals can take out a Riester contract, it's not as straightforward as for employees, and other pension options might be more beneficial. * **Those who want flexibility:** Riester Rente is designed for long-term retirement savings and usually has restrictions on early withdrawal without penalty. * **People who don't want to commit to long-term savings:** The benefits of Riester Rente are realised over time, so it's not ideal for short-term financial goals.

10 useless insurances in Germany

Show more

Taxes

Tax ID and Tax Number

Pension tax

Income tax

Social contributions

Cryptocurrency taxation

Show more

Moving to Germany

Chancenkarte - visa for job seeking

List of documents for Blue Card

List of documents for a student visa

Residence permit in Germany for people 45+

Work visas for Germany and their types

Obtaining German citizenship

Show more

Car

Fines for motorists

Registering a car in Germany

Exchange of driving licence

Green card

Show more
Finance

Freelancer's Handbook in Germany

Current account - which one to choose?

Money transfers

SCHUFA

Show more

Services

Termination of contract

Discounts on German railways

Show more

Integration in Germany

Paragraph 25

Telephone alphabet

Sick leave in Germany

Useful phones

How long should documents be kept

Where to look for a job in Germany

Show more

All articles
About the project
About the project

About us

Job vacancies

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finber.de

🇩🇪 Вот и позади летние месяцы и нас встречает Goldener September.После летних каникул стартует новый деловой сезон, и СЕНТЯБРЬ подготовил немало интересных событий.Я выделил ключевые моменты и добавил свои комментарии. Будет интересно узнать и ваше мнение! ...#германия2026 #германияонлайн #германияновости

🇩🇪 €120,000 from the state?

🇩🇪 120.000€ от государства?Пока вы сидите с малышом, государство считает ваши доходы и готовит компенсацию. В ролике разбираю реальные цифры поддержки на одного ребенка до 18 лет.Как вам такие расчеты? 🔥#жизньвгермании #германияонлайн #работавгермании

⏰ Private medical st

On 17 August 2026, a fresh issue of the Federal Law Gazette (Bundesgesetzblatt) was published, covering professional driver qualifications, licence issuance rules, and examination languages. Several points personally affect a large number of people. What has been adopted:🔹 Ukrainian driving licences are now included in Anlage 11 to the Driving Licence Ordinance (FeV), meaning Ukraine has been added to the list of countries whose licences can be exchanged in Germany under a simplified procedure, without the need for a theoretical or practical test. The regulation enters into force on the day following publication, i.e., from 18 August 2026.However, there are a few caveats:➖ The document must be valid and authentic. The new rules do not legalise forged, revoked, or expired licences, nor do they reinstate driving privileges that have been revoked by Ukrainian authorities.➖ Once the amendments come into force, you must apply to your local driving licence authority (Fahrerlaubnisbehörde) and prepare documents confirming that the Ukrainian licence was lawfully issued and outlining its current status.➖ This applies to the following categories: A1, A, B, BE, C1, C1E, C, CE, D1, D1E, D, DE.What else has been adopted:🔹 The number of languages available for professional driver examinations has been increased – exams can now be taken in 9 foreign languages.🔹 The duration of the practical part of the exam for professional drivers under the initial qualification (Grundqualifikation) has been reduced from 120 to 90 minutes.🔹 Rules for lost Ukrainian licences. A new entry has been added to Anlage 9 – a special note for the temporary replacement of a lost or stolen Ukrainian driving licence.▶️ The inclusion of Ukraine in Anlage 11, alongside such a substantial simplification of the procedure, will likely serve as an additional incentive for many who seriously see their future in Germany to transition from Section 24 to one of the work-related residence permits.

💶 €3.5tn savings post

💶 €3.5 trillion in savings is gradually being eroded by inflation. Just imagine: €10,000 five years ago, with inflation at 5% per year, would have a purchasing power of only around €7,800 today.📉 The Bundesbank confirms that the real return on bank deposits in Germany remains negative. The amount of money in your account stays the same, but over time you can buy less and less with it. This is precisely what constitutes the imperceptible loss caused by inflation.The video explores options for where to keep your money so that it isn’t just sitting idle. What savings instruments do you use? 👇#germanynews #lifeinGermany #germanyonline

⏰ Frühstartrente: state op

⏰ Frühstartrente: the state is opening pension depots for children. Yesterday, 12 August, right between the eclipse runs and the peak of the Perseids, I tuned into the news channel. I didn't think the cabinet would get stuck into active work so early in the middle of the holiday season. But apparently, astronomical events influenced them too. Or perhaps it had already been decided behind closed doors ages ago. Anyway, getting to the point. ✅ The cabinet has approved the Frühstartrente bill. Now, children will be able to receive state support for their pension savings from the age of six. I can just imagine a conversation between ten-year-olds of the future: - «What's your pension portfolio like?» - «Diversified: Lego, Roblox and a bit of ETF» 😂

📈 In the video I'm sharing the results

📈 In this video, I’m sharing the results of our family experiment.⏱️ We both started in the same way: a one-off payment of €400 plus €50 a month.But we chose two different self-directed investment programmes. Over three years, each of us contributed €2,200. And here are the results today:🔹 ComfortInvest – €2,858🔹 easyInvesto – €2,896That’s a profit of around €660–700 from fairly modest regular contributions.✅ I like this format primarily because it’s suitable for those who want to start investing but aren’t ready to research every share and ETF themselves or monitor the market on a daily basis.▶️ Watch the full video on YouTube FINBER – to see how it all works, find out more about the results, and discover who ended up making more – me or my wife 😎Join our ranks of investors! #investments #investmentsinGermany #investmentsforbeginners

⚖️ The new law will give German

⚖️ A new law will give German customs the right to seize property without a court order.Germany is preparing to significantly expand the powers of the Zoll. A bill put forward by Finance Minister Lars Klingbeil provides for customs officers to be able to provisionally seize property if there are substantial doubts as to its legal origin.In the crosshairs, above all, is high-value property: luxury cars, expensive watches, jewellery. According to the head of the Zollkriminalamt, Dr Tino Igelmann, the measures are targeted at assets worth over €100,000.⚡️ Up until now, investigators have been obliged to prove that property originates from criminal activity. The new mechanism partially changes this logic: if justified doubts arise, it will now be up to the owner of the valuable asset to explain and prove its legal origin.📢 What is more, for the first time in Germany, a separate administrative-legal confiscation procedure is planned for this – without the need to initiate criminal proceedings first. The law is scheduled to enter into force on 1 January 2027.📝 A fine law on paper is one thing, but enforcement is quite another. New powers on their own do not guarantee results. Without thousands of additional specialists, the expected effect is unlikely to be achieved. However, the risk of overreach and subjective determination of what constitutes «substantial doubts» is entirely real.It results in a dangerous precedent whereby it becomes easier for the state to seize an asset first and only figure out later how lawfully you acquired it.❓ Where does the line lie here between the effective fight against organised crime and the risk to ordinary owners of expensive cars, watches and jewellery?* Photo edited using AI. Everything is real, only the ton-plus watch had to be drawn in 😎

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