https://perfinex.de/ The #1 English-Speaking & Independent Financial Planner in Germany Mon, 04 May 2026 14:41:21 +0000 hourly 1 https://wordpress.org/?v=7.0 https://perfinex.de/germany-2026-expat-financial-changes/#comment-2423 Mon, 04 May 2026 14:41:21 +0000 https://perfinex.de/?p=18843#comment-2423 […] is logical to look at your monthly payslip, see the hundreds of Euros flowing into the German social system, and assume the government has your back. On paper, Germany boasts one of the world’s best […]

]]> https://perfinex.de/legal-zero-percent-tax-gold-germany-2026/#comment-2422 Mon, 04 May 2026 14:41:06 +0000 https://perfinex.de/?p=19497#comment-2422 […] the Vocabulary: Ask AI for facts, like “How does the German ETF tax Vorabpauschale […]

]]> https://perfinex.de/etf-investing-mistakes-germany/#comment-2421 Mon, 04 May 2026 14:40:46 +0000 https://perfinex.de/?p=18639#comment-2421 […] fun, the German tax code offers a silver lining if you know how to harvest it. If your stocks or ETFs take a hit, you can use those losses to shield your future profits from the 25% capital gains tax […]

]]> https://perfinex.de/jobs-for-financial-freedom-germany/#comment-2420 Mon, 04 May 2026 14:40:23 +0000 https://perfinex.de/?p=18708#comment-2420 […] In 2024, only 8% of people who had to stop working did so because of a PAUKE-certified accident. The remaining 92% were forced out of the workforce by cancer, mental illnesses, or strokes—conditions that an accident insurance policy pays exactly 0€ for. Furthermore, the payout structures differ fundamentally. An accident policy typically provides a one-time lump sum intended to modify a car or home. In contrast, a true Berufsunfähigkeitsversicherung (Disability Insurance) pays you a monthly income to cover your rent, food, and your family’s entire future. If you want to secure your human capital, you must use the right tool for the job. […]

]]> https://perfinex.de/moving-to-germany-complete-guide/#comment-2419 Mon, 04 May 2026 14:40:05 +0000 https://perfinex.de/?p=9711#comment-2419 […] expats moving to the Bundesrepublik view the local tax system as a daunting black box—a mysterious void where hard-earned money […]

]]> https://perfinex.de/2-deductions-from-your-german-payslip/#comment-2418 Mon, 04 May 2026 14:38:19 +0000 https://perfinex.de/?p=7607#comment-2418 […] most frequent inquiries we receive from the expat community is: “Can I deduct my health costs from my taxes?” The answer is a resounding yes, and there are two primary avenues to achieve this. First, […]

]]> https://perfinex.de/public-vs-private-health-insurance-in-germany/#comment-2417 Mon, 04 May 2026 14:37:49 +0000 https://perfinex.de/?p=17827#comment-2417 […] the private system, you have the lever of the deductible (Selbstbeteiligung). The logic is simple: the more you agree […]

]]> https://perfinex.de/german-payslip-explained-2026-net-salary-changes/#comment-2416 Mon, 04 May 2026 14:37:27 +0000 https://perfinex.de/?p=19210#comment-2416 […] health insurance as a fixed, unavoidable tax—a “pay and forget” line item on their payslip. We are here to tell you that this perspective is a massive financial mistake. The German […]

]]> https://perfinex.de/passive-income-in-germany/#comment-2383 Mon, 23 Mar 2026 09:59:06 +0000 https://perfinex.de/?p=2332#comment-2383 […] even “safe” dividend stocks carry risk; during the 2020 pandemic, $220 billion in dividends were cut […]

]]> https://perfinex.de/5-to-dos-against-high-inflation-in-germany/#comment-2382 Mon, 23 Mar 2026 09:58:36 +0000 https://perfinex.de/?p=1771#comment-2382 […] Arabia, and the UAE, while European bases in Cyprus and Iraq have been targeted by drones. With inflation in Germany projected to rise back toward 2.5% or higher due to these energy costs, the impact is […]

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