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Save Taxes When Investing in ETFs With German Pensions | PerFiTax Tax Expert Dirk Maskow

Are you looking for professional tax advice in Germany? 🤓 In this interview, Dirk Maskow (tax advisor from PerFiTax), shares valuable insights on investing with higher interest rates and tax benefits to lower your tax bill with German pensions. Dirk explains that all taxes you save are taxes you paid upfront. Therefore, it's essential to invest wisely in options that make economic sense rather than solely aiming to save taxes. He recommends two investments that can be beneficial: pensions and real estate. However, he cautions that careful consideration of the investment product is necessary. Dirk also highlights Germany's three-layer pension system, including the statutory pension scheme, professional pension systems, and company pension schemes. He explains the tax deductions available for pension contributions, emphasizing recent reforms that allow a deduction of 100% of pension contributions up to a certain maximum amount. However, certain conditions must be met, such as the type of contract, payment structure, and age restrictions. Company pension schemes are also discussed, with different options available depending on the employer's offerings. Dirk explains the direct commitment option, where employers guarantee a pension without employee contributions, primarily for upper management. He also mentions industrial casas, support funds, direct insurance, and pension funds as other possibilities with their own tax implications. Dirk provides important information on eligibility for tax benefits, government bonuses, and allowances related to pension contributions. He advises on the beneficial requests to consider during tax returns, depending on the individual's circumstances. Additionally, he warns against contributing to foreign pension schemes in most cases, as they are not accepted for tax purposes. Private pensions are mentioned as a separate layer with fewer tax advantages but potentially valuable for long-term financial security. Dirk emphasizes the importance of seeking professional tax advice tailored to individual needs and circumstances. If you're interested in optimizing your tax situation in Germany, contact Dirk at PerFiTax for personalized tax advice. Remember, making informed investment decisions and understanding tax regulations are crucial for maximizing your tax benefits. Meeting with Dirk Maskow from PerFiTax: perfitax.de - 00:00 Tax Benefits When Investing In Pensions 01:45 Tax Benefits Of Pensions Level 1 06:12 Tax Benefits Of Company Pensions 11:15 Tax Benefits Of Riester Pensions 14:45 Foreign Pension Schemes & German Taxation 16:48 Tax Benefits Of Private Pensions 17:52 How Dirk Can Help You Filing Your Taxes In Germany - PerFinEx GmbH - Personal Finance for Expats The #1 English-Speaking & Independent Financial Planner in Germany https://perfinex.de/ - Set Yourself up for Financial Success! Text Us on WhatsApp: +49 175 50 30 773 Secure a Free Meeting with Us: https://perfinex.de/meeting/ - Follow Us on Social Media & Join the Community! Facebook:   / perfinexgermany   Instagram:   / perfinexgermany   LinkedIn:   / perfinexgermany   TikTok:   / perfinex   - This is an affiliate link from which we will earn an affiliate commission or referral bonus (depending on the company). By clicking the link, you support our project at no additional costs for you. We thank you very much for your support. As of the date of posting this video, the content is accurate. Some offers may be no longer available. - The content of this YouTube channel is provided for informational, educational, and entertainment purposes only and is not intended to constitute accounting, financial, legal, and/or tax advice. None of the information presented is intended to form the basis for any personal financial decision. Consult a professional financial advisor or conduct your own due diligence. PerFinEx GmbH makes no representation, warranty, or guarantee about the accuracy of the information contained in this YouTube channel or in links to other YouTube channels or websites. Publication or reproduction of any content of this YouTube channel is strictly prohibited and punishable by law. By viewing, you acknowledge to have read this agreement, understand it, and agree to be bound by it. If you disagree in any way, you are not permitted to view our content. Neither PerFinEx GmbH nor anyone acting on their behalf will be liable under any circumstances. The exclusive place of jurisdiction is irrevocably Munich. Further mandatory & legal information is available at perfinex.de/impressum © PerFinEx GmbH. PerFinEx is a protected trademark in the register of German DPMA. All rights reserved. Any liability excluded.