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Find answers to common internationals finance questions
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Investment & Property
(35)
How do I access alternative investments and hedge funds in Germany?
How do I analyze rental property opportunities in Tier 1 vs Tier 2 cities in Germany?
How can I build passive income streams while living in Germany?
What building insurance do I need during construction in Germany, and what should I switch to after completion?
Should I buy property through a German GmbH for tax optimization?
Should I buy property for personal use or as an investment in Germany?
What investment options do I have with Charles Schwab as a US expat in Germany?
Should I consolidate my investment accounts into one broker in Germany?
What financial strategies work best for expats who may relocate again in 2–3 years?
Should I invest in Geldmarktfond-ETFs, MSCI World ETFs, or private pension insurance in Germany?
How do I rebalance my portfolio after creating it, and what should I check for?
What are my options for investing in art and collectibles in Germany?
What investment strategies work best if I plan to return to my home country in 3–5 years?
Can I keep my European ETFs in my private pension plan if I relocate to the US?
How do I liquidate Swedish investments and re-invest optimally in Germany?
My LV1871 pension plan shows a 20% loss : is this normal?
How do I optimise between ETFs, property, and private pension plans in Germany?
How do I optimise my finances if I’m unsure whether I’ll stay in Germany long-term?
How do I optimise rental property depreciation (AfA) in Germany?
How do PFIC rules affect my investment options as a US citizen in Germany?
Should I send my savings to India, take a loan, or invest in Germany to support my parents?
What are the tax benefits of buying rental property in Germany compared to other investments?
How should I structure my investments for maximum relocation flexibility?
How can I support my parents financially in my home country while optimising my German finances?
What do I do with my US-based investments (index funds, mutual funds, 401k) when moving to Germany?
Why can't I invest in US-domiciled ETFs as a US citizen living in Germany, and what are my alternatives?
Why can’t I invest in US-domiciled ETFs as a US citizen living in Germany, and what are my alternatives?
How do I set up a will for my newborn and plan investments for her future as an expat in Germany?
Should I rent or buy a home in Germany as an expat?
Can expats get a mortgage in Germany (and what are the requirements)?
How do I buy a house in Germany as a foreigner?
What additional fees and taxes will I pay when buying property in Germany?
Does buying property in Germany give me residency or a visa?
How does property depreciation work for tax savings in Germany?
How do I start investing in ETFs as an expat in Germany?
Banking
(6)
What are the best options in Germany for an emergency fund that stays liquid but still earns something?
How do we set up joint accounts and manage finances as a newly married international couple in Germany?
What are the best banks for expats in Germany?
How do I open a bank account in Germany as an expat?
How does the German Schufa system work and how can expats build credit?
How can I transfer money internationally from Germany cheaply?
Retirement & Pensions
(13)
Can I contribute to my German company's 401k/pension program as a US citizen?
How do I coordinate pensions between Germany and the UK after working in both countries?
How do I coordinate US and German retirement planning when I’m unsure where I’ll retire?
Should I file pension contributions jointly with my spouse or separately in Germany?
What happens to my German pension contributions if I leave Germany permanently?
How do I handle my US 401k and IRA when moving back to Germany after 20 years in the US?
Can I contribute to my German company's 401k/pension program as a US citizen?
Can expats get German occupational pensions (Betriebsrente) and how do they work?
How is the German pension taxed if I retire abroad?
How does the German state pension system work for expats?
How to close the pension gap as an expat in Germany
Can I transfer my German pension contributions abroad?
Riester vs Rürup pension comparison for expats
Taxes
(29)
Which business expenses can I deduct as a freelancer in Germany?
What are the DAC7 Directive implications for online coaching and teaching services in Germany?
How do I exercise stock options without selling them in Germany : what are the tax implications?
What are the financial and tax implications of marriage between partners of different nationalities in Germany?
What financial planning do we need when expecting a child as an expat couple in Germany?
Should I register as a freelancer, start a Verein, or form a GmbH for my business in Germany?
How are gift transfers from parents in my home country taxed in Germany?
How do I handle inheritance money received while living in Germany as an expat?
What are the benefits of using an Investment GmbH for a large portfolio in Germany?
Should I keep my UK Stocks & Shares ISA or move investments to Germany?
Can I maintain my UK Stocks & Shares ISA while I’m a German tax resident?
How should we plan our finances when my partner’s job is on annual contracts?
How do I report Indian properties, mutual funds, and bank accounts to the German Finanzamt after getting citizenship?
What are the tax implications of RSUs from my previous employer after leaving the company in Germany?
How should I structure profit-sharing agreements with investors in Germany?
What are the tax benefits of buying rental property in Germany compared to other investments?
What are the tax implications of consolidating multiple investment accounts in Germany?
What are the tax implications of becoming a German citizen while having investments in my home country?
How do I implement tax-loss harvesting with cryptocurrency in Germany?
What are the tax implications when moving from Germany to the Netherlands?
What taxes do I pay if I sell Indian property and transfer proceeds to Germany?
How do I transition from unemployment benefits to starting my own coaching business in Germany?
How do I handle VAT for international freelance clients from Germany?
When should I charge VAT for my freelance services in Germany, and when not?
What are the capital gains tax rules when selling property in Germany?
When do I need to file a tax return in Germany as an expat?
How does the German tax system work for expats?
What are the tax implications of owning property in Germany?
What tax deductions and allowances can expats claim in Germany?
Insurance
(8)
Do I need Berufsunfähigkeitsversicherung (disability insurance) as a high earner in Germany?
How do I compare car insurance options in Germany as an expat?
What liability insurance do I need for my business or event venue in Germany?
What happens if I lose my job while on private health insurance (PKV) in Germany?
How do private health insurance (PKV) costs change as I age in Germany?
What changed from 2024 to 2025 in public health insurance (GKV) for voluntary contributors?
What legal protection insurance (Rechtsschutz) do I need for a German rental property as a non-resident landlord?
Should I switch from public (GKV) to private (PKV) health insurance if I’m currently in psychotherapy?