Topics
Current questions about money and the stock market in Germany: explained simply, with sources and the maths done.
- Law passedAltersvorsorgedepot: Germany's new subsidised retirement accountFrom 2027 the Altersvorsorgedepot replaces Riester subsidies for new contracts. You invest in funds such as ETFs and the state adds a subsidy. In return, the money stays locked until retirement.Explained and calculated
- Calculated up to Oct 2026Investing at an all-time high: what DAX and MSCI World history showsThe DAX is 4.5% below its record, and many people ask: should I still buy now? We went through every month since 1987 to see what happened after buying at an all-time high, and after buying at any other time.Explained and calculated
- Draft lawFrühstart-Rente: 10 euros a month from the state for childrenGermany plans to invest 10 euros a month for every child from age six. By the 18th birthday that adds up to 1,440 euros. What is planned, what is still open and what the big headline numbers really mean.Explained and calculated
- New listingIPOs explained: what if you had bought at the IPO?SpaceX has been listed since June 2026, and many people wonder whether to get in early on new stocks. Here is how an IPO works, how to subscribe from Germany, and what early buyers of well-known stocks actually experienced.Explained and calculated
- PreparationBASF plans to list its agricultural unit: what it means for shareholdersBASF is preparing a stock market listing for its seeds and crop protection business. Many reports talk about a spin-off. What is planned, though, is a partial IPO in which BASF keeps the majority. What that means for you as a shareholder.Explained and calculated
- Ministry draft (Referentenentwurf) of 30 Sep 2026Germany may end the crypto holding period: what it means for stocksThe finance ministry wants to tax gains on Bitcoin and similar coins like capital income from 2027. Headlines about a "new tax for investors" worry many people. For stocks and ETFs, the draft changes nothing.Explained and calculated
- Comparison for parentsKids investment accounts in Germany: child, parent or Frühstart-Rente?Many parents want to invest for their child early. The key question is not which broker, but whose money it is. That decides taxes, student grants, social benefits and what happens at 18.Explained and calculated
- Always relevantScam check: 8 warning signs of investment fraudFake trading platforms, "investment groups" on WhatsApp and ads with fake celebrities cost many people their savings. These eight warning signs help you and your family spot fraud early.Explained and calculated
- Current lawCompany investment account: when a German GmbH invests in sharesBusiness owners often hear that shares inside a GmbH are almost tax-free. That is only partly true. We explain how a company account is taxed, where the traps are and who it might suit at all.Explained and calculated