Retirement planning is the bread and butter of Lomee's services. We consider your expectations and goals, analyze your financial situation, investment horizon, level of risk aversion, and existing savings.
The result is your personalized retirement strategy.
You have been working in Germany for some time now. You have probably asked yourself how much longer you want to stay here. Maybe you considered settling. How much longer makes it worth to start thinking of your pension. Easy! If you have an unlimited work visa you should know the basics of the German pension system because you are paying a lot of your money into it!
To understand how much money you can save per month, we look at your current financial situation. Your current expenses are also a great approximation for your retirement goal.
We add up your different income streams.
We approximate your costs for an average month.
Before you can start to save for retirement, we make sure you have sufficient savings
If you have debt, we evaluate if you should pay it off before you start saving.
As an employee, you have no choice but to pay into the public pension.
If you are self employed, the basic pension offers the same tax benefits as the public pension.
A company pension offers you tax advantages plus your employer contributes.
A private pension offers you the most flexibility.
When we know what type of insurance is the best we select the asset types that best fit your strategy. Asset allocation. BUY IMAGE
When you have selected your asset classes, you pick the funds. There are various criteria to determine the right fund for you.