Investing in Germany

Investing in Germany will set you up for financial success despite 0% interest rate. Make your money work for you instead of the other way round to achieve your financial goals.

Investing in Germany In A Nutshell

Germany is one of the largest and most stable economies in Europe and the world, making it an attractive destination for international investors. The country is driven by industrial production and is a major exporter of goods with a trade surplus that rivals that of China. Germany is also home to many of the largest listed companies in the world, which adds to its attractiveness to investors. The largest German companies are included in the DAX 40 index, which contains the 40 largest German companies by market capitalization that are traded on the Frankfurt Stock Exchange.

Germany also offers a favorable legal and regulatory environment for investors, with clear and transparent rules that protect investments and promote fair competition. The country is known for its high standards of corporate governance and intellectual property protection, making it a safe and reliable place to invest.

Investing in Germany offers a number of advantages, including a strong and stable economy, EU membership, a well-educated workforce, and sound tax policies for listed companies. However, there are also risks to consider, such as vulnerability to European Union bailouts, contagion from European crises, an aging population, and a weakening economy.

At PerFinEx, we offer a systematic investment plan (SIP) with our Community Invest as a flexible and convenient way for investors to invest regularly in a variety of funds. SIPs enable regular (monthly) investing. This is to reduce market risk (volatility). With the Community Invest we offer three different strategies to choose from, depending on your investment horizon and risk tolerance.

Alternatively, you can invest yourself. Therefore, investing in ETFs (exchange-traded funds) can be a smart way to build a diversified investment portfolio. ETFs are similar to mutual funds but are traded on the stock exchange like individual shares. This means investors can buy and sell ETFs at market prices throughout the day. ETFs are usually designed to track a specific index or sector, so they represent a wide range of stocks, bonds, or other assets. They offer the potential for lower fees compared to actively managed funds and can be a good option for both beginner and experienced investors. However, as with any investment. If you do the investments yourself it is pretty important to do your research and understand the risks before investing in ETFs.

Overall, investing in Germany can be a wise decision for investors seeking stability, growth, and a favorable investment climate. However, as with any investment, it is important to do your research, assess your risk tolerance and work with a trusted advisor to develop a strategy that meets your investment objectives.

Our latest investing videos

In our YouTube playlist on investing in Germany, we go into the details of investing in Germany and explain how it works and what you need to know. We cover many topics to help you get started investing.

Our Investing Blog Posts

In our blog, we report on everything there is to know about investing in Germany. Among other things, we inform you about current events, misunderstandings, errors, and changes in various investment opportunities in Germany.

To the Moon or New Crash?
Bitcoin ETF: To the Moon or New Crash?

For a comprehensive understanding of Bitcoin ETFs' impact and implications, delve into this insightful article exploring their historical significance and future prospects.

Our Investing Blog Posts

In our blog, we report on everything there is to know about investing in Germany. Among other things, we inform you about current events, misunderstandings, errors, and changes in various investment opportunities in Germany.

To the Moon or New Crash?
Bitcoin ETF: To the Moon or New Crash?

For a comprehensive understanding of Bitcoin ETFs' impact and implications, delve into this insightful article exploring their historical significance and future prospects.

Calculate your results when investing in Germany

You can use our calculators to calculate all possible aspects of investing in Germany. You can for example get an idea of whether you are using the best broker, or what compound interest means for your investments.

best investment
account in germany

Find the best investment account in Germany with the lowest fees.

Savings Plan
Calculator

Calculate your potential return from a savings plan when you save regularly.

best robo advisor
in germany

Find the best robo advisor account in Germany with the highest return.

best crowd investing
account in germany

Find the best crowd investing account in Germany with the highest return.

One-time investment calculator

Calculate your potential return from investing a specific amount of money.

Withdrawal
Calculator

Calculate how much you can withdraw from your investments every month.

Calculate your results when investing in Germany

You can use our calculators to calculate all possible aspects of investing in Germany. You can for example get an idea of whether you are using the best broker, or what compound interest means for your investments.

best investment
account in germany

Find the best investment account in Germany with the lowest fees.

Savings Plan
Calculator

Calculate your potential return from a savings plan when you save regularly.

best crowd investing
account in germany

Find the best crowd investing account in Germany with the highest return.

One-time investment calculator

Calculate your potential return from investing a specific amount of money.

Withdrawal
Calculator

Calculate how much you can withdraw from your investments every month.

best robo advisor
in germany

Find the best robo advisor account in Germany with the highest return.

Are you looking for something specific?

Community Invest

Investing can be a daunting task, especially if you don’t have the time or knowledge to spend on managing your investments. That’s where our Community Invest comes in. This is a systematic investment program (SIP). It gives you the opportunity to invest in one of three strategies without having to manage your investments yourself.

Whether you are risk-averse or risk-tolerant, we offer options to suit your needs. Our experts are happy to help you choose the right investment strategy based on your goals, investment horizon, and risk tolerance. If you’d like to know more about our Community Invest, all you have to do is press the button and you’ll be redirected to our site.

Community Investment in Germany

Our latest Community invest videos

In our YouTube playlist on our Community Invest, we give you a monthly update on the various investment strategies, how they are currently performing, and the current situation on the stock markets in general.

Our latest community invest Blog posts

In our blog, we report on everything there is to know about investing in Germany. Among other things, we inform you about current events, misunderstandings, errors, and changes in various investment opportunities in Germany.

To the Moon or New Crash?
Bitcoin ETF: To the Moon or New Crash?

For a comprehensive understanding of Bitcoin ETFs' impact and implications, delve into this insightful article exploring their historical significance and future prospects.

Our latest community invest Blog posts

In our blog, we report on everything there is to know about investing in Germany. Among other things, we inform you about current events, misunderstandings, errors, and changes in various investment opportunities in Germany.

To the Moon or New Crash?
Bitcoin ETF: To the Moon or New Crash?

For a comprehensive understanding of Bitcoin ETFs' impact and implications, delve into this insightful article exploring their historical significance and future prospects.

Fidelity investment account

Below you have the opportunity to open your own Fidelity account. The “FFB Fondsdepot” is completely sufficient for this. You do not need the Plus depot. As soon as Fidelity has done the settings, we will reach out to you to discuss everything in more detail.

Fidelity Account

Open your Fidelity investment account to invest with us together.

Fidelity investment account

Below you have the opportunity to open your own Fidelity account. The “FFB Fondsdepot” is completely sufficient for this. You do not need the Plus depot. As soon as Fidelity has done the settings, we will reach out to you to discuss everything in more detail.

Fidelity Account

Open your Fidelity investment account to invest with us together.

Learn More About Investing in Germany On Social Media

Social media can be a valuable source of information when learning more about investing in Germany. By following our accounts, you can get helpful tips, news, and resources related to investing in general and regulations in Germany.

Investing in ETFs

The following will take you to our page about investing in ETFs. Exchange-traded funds can be a great way to build a diversified investment portfolio. ETFs are similar to mutual funds, but they are traded on the stock market like individual stocks. This means that investors can buy and sell exchange-traded funds throughout the day at market prices.

ETFs are usually designed to track a specific index or sector, so they represent a wide range of stocks, bonds, or other assets. They offer the potential for lower fees compared to actively managed funds and can be a good option for both novice and experienced investors.

However, as any investment involves risk, it is important to be aware of and understand these risks when investing in ETFs. Our page will help you with this.

Our latest Investing in ETFs Videos

In our YouTube playlist on investing in ETFs, we go into the details of ETF investing in Germany and explain what you need to watch out for. We cover a wide range of topics to make ETF investing as easy as possible for you.

Our latest investing in ETFs blog posts

In our blog, we report on everything there is to know about investing in ETFs. Among other things, we inform you about current events, misunderstandings, errors, and changes in various ETF opportunities in Germany.

Our latest investing in ETFs blog posts

In our blog, we report on everything there is to know about investing in ETFs. Among other things, we inform you about current events, misunderstandings, errors, and changes in various ETF opportunities in Germany.

Calculate your own investment sucess with our investing calculators

With our calculators, you can calculate everything possible about investing in ETFs. You can for example get an idea of whether you are using the best broker, or what compound interest means for your investments.

best investment
account in germany

Find the best investment account in Germany with the lowest fees.

Savings Plan
Calculator

Calculate your potential return from a savings plan when you save regularly.

best robo advisor
in germany

Find the best robo advisor account in Germany with the highest return.

Calculate your own investment sucess with our investing calculators

With our calculators, you can calculate everything possible about investing in ETFs. You can for example get an idea of whether you are using the best broker, or what compound interest means for your investments.

best investment
account in germany

Find the best investment account in Germany with the lowest fees.

Savings Plan
Calculator

Calculate your potential return from a savings plan when you save regularly.

best robo advisor
in germany

Find the best robo advisor account in Germany with the highest return.

How You Benefit From Working With PerFinEx

PerFinEx GmbH is registered as an independent financial advisor in all fields of personal finance: insurance, investments, and loans according to § 34 German trade regulations (Gewerbeordnung) & supervised by the German Chamber of Commerce and Industry (IHK).

Independent Advice

We are an independent financial advisor working with hundreds of different banks, insurance & pension companies.

No Additional Costs

We are paid in commissions that the German government regulates. Working with us comes at no extra cost for you.

Licensed & Regulated

We are licensed in all 3 different fields of personal finance and compliant with German financial laws & regulations.

FAQ about investing in Germany

What are investing activities?

Investment activities are relatively similar for companies and individuals. A big difference is that companies invest mainly for a future cash flow. This means that investment activities involve the acquisition of non-current assets or long-term assets that will increase in value in the future. Examples are:


– The purchase of shares or bonds
– The purchase of fixed assets
– The sale of fixed assets

What happens if you invest?

Once you start investing, you own a small piece of the business. This can be done through stocks or through bonds. This means that you participate in both the success and the failure of a company. Thus, your share can gain or lose value. This is also called the return on investment. In principle, this can happen in two different ways, dividends, and capital gains. Dividends mean that the company distributes a part of its profit to the shareholders. Capital gain means that the share you own increases in value. So, if the value decreases you will make a so-called capital loss.

Where can I practice investing?

It is best to find a provider with whom you can open a virtual portfolio. In this portfolio, you get a fictitious value, e.g. 50.000€, with which you can trade as you like. It is important that you create conditions that are similar to reality. For example, if you want to invest for the long term, you will not create any added value if you act and trade for the short term. In this article, you can try some virtual trading apps.

How much money should I invest to start?

With some providers, you can start investing with as little as 1€ per month. The important thing when you start is not the amount you invest, but that you invest. Thus, you can acquire certain automatisms and habits with which you automatically invest more over time and thus try to make your future financial situation more comfortable.

How do I start investing in Germany?

To start investing in Germany, all you need to do is open an investment account. You can find the best one conveniently here. If you do not want to make your investments yourself, you can create an account for our community investment program and invest with us.

Book a free meeting with us to discuss how investing in Germany works

Finding the best option for investing in Germany can be difficult – especially as an expat with limited German skills. Make a free appointment with us & our investing experts will discuss the perfect strategy for investing in Germany with you.

Get In Touch With Us

Would you like to learn more about investing in Germany or do you need help building up the perfect investing setup for you? Please feel free to send us a message and we will come back to you as soon as possible.