Investing in Germany as a US American Citizen – is not easy. Together we work through an individual & reliable solution!
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Investing in Germany as a US American Citizen – is not easy. Together we work through an individual & reliable solution!
Get to knowus
Arriving financially as a U.S. citizen
We offer you the opportunity to invest in profitable assets and efficiently build up wealth in Germany. Arrange a free and non-binding initial appointment with one of our specialists for US persons.
No investment opportunities?
As a U.S. citizen in Germany, the topic of investment and retirement planning is often considered particularly difficult. Regulations in between states and unknown options might lead to confusion and make investment options seem limited.
Let us guide you through the bureaucratic jungle and find ways to invest more freely and cuttaxes.
Too manyrules?
The reason for this is a change in the law (Foreign Account Tax Compliance Act, FATCA) ) on the part of the USA, which entails a considerably higher administrative burden for deposits of persons with a US connection. US citizens and dual (US) citizenship are affected. Even many existing investment accounts have been terminated.
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Investments for US Citizens
Researching investment possibilities in Germany as a US Citizen can be super frustrating. We know this, because we have many Clients that come from the US and are living here in Germany. Especially in beautiful Heidelberg, where our company is located, there are so many people with US Citizenship.
FATCA regulations
When you are a US Citizen living here in Germany, you already know what the problem is: Due to special regulations for US Citizens, Bank and Investment relationships are difficult for you. That starts with opening a bank account, but is especially relevant for investing here in Germany. Because the regulation requires so much extra reporting from the bank, it has become very hard to open up an investment account. And even when you manage to open one, you are still very restricted on what investment you choose and have to be very careful about double taxation for most funds traded here. And I am not a tax advisor, but I know that the tax implications are very complicated with a traditional investment account.
Exceptions in the FATCA regulation
What we have specialized in is showing my clients how they can invest their money profitably and long term, without having to do an extra tax declaration every year or getting in trouble with bank regulations. And don’t get me wrong, I have nothing against broker accounts, we also offer broker accounts to our clients, but for US Citizens it is horrible.
The good news is, there is a solution for US citizens looking to invest in Germany: Pension plans. The FATCA regulation has left a loophole in the system that allows US citizens to invest through pension plans without the hassle of extra reporting or double taxation.
The reason for that is the structure of private pension products here in Germany. Because you have an insurance acting as an umbrella, you have to pay 0 capital gains tax while the money is in the plan compounding, which leads to you not having to do an extra tax declaration nor being subject to double taxation. In the eyes of the regulators, the pension plan is an insurance, not an investment account, even though it might consist of the same funds or ETFs.
And yes a good pension plan has a cost structure of around 1% of your capital long term, of course you have more fees than with a broker account. But the plan not only provides you massive tax breaks and additional services, mainly you have no work and no headache with it. You just pay your monthly contribution, the money compounds itself in the plan and works foryou.
Important note: Because of the regulations, very few Insurance Companies offer fund investing for US persons, but there are good options.
The easiest way to see what investment and what plan makes sense for you, is to book yourself a free initial consultation with us, where we show you what plans and options are available and also make sense for your individual situation.
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Specialization for your challenges
You will appreciate our expertise and specialization through our highly trained consultants in allareas:
Transparency
A low-cost and transparent investment structure.
Communication
Our experts will be happy to advise you in English.
Bureaucracy
Save on paper, nerves &taxes.
Investment
Possibilities you might not have thought aboutyet
Digital
100% digital process. From video call to signature to online documentation archive.
Frequently asked questions
Here you will find the answers to questions that we are asked very frequently.
We are independent consultants, as we do not work for any product provider like an insurance or a bank, so we do not have to sell any products. We are registered with the Chamber of Commerce and Industry as an independent financial broker. This means that we are “fiduciary trustees” of our clients. We are therefore legally obligated to find suitable solutions for your situation and your needs. In doing so, we draw on virtually the entire investment, finance and insurance market. For us, this means true independence.
The solutions in our consulting are structured in a way that you are flexible should you choose to leave Germany during your working life, and you can get your pension anywhere in theworld.
We work as a digital financial service provider. Regardless of where you are, we can advise you anywhere, as long as you have a Computer and Internet. Nevertheless, you are also welcome to visit us in our office! In the beautiful Heidelberg, directly at the Neckar with a view to the castle, we are waiting for you with a good cup of coffee!
We have specialized and focused on building broughtly diversified fund portfolios, that provide good returns and offer a high degree of safety due to the brought diversification. To read more about our investment philosophy click on our investmentpage.
Take care of your private pension today
We help you to clarify the complex facts and show you your investment options. Get to know us in a free initial consultation!
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Opinions of our
clients
Our passion is to give you a professional good feeling. Always honest and transparent. Convince yourself with our numerous reviews!
19:24 20 Aug24
Very friendly, committed and professional staff. During the purchasing process, emphasis was always placed on transparency, fairness and quick clarification of queries. From the exposé to the negotiation and financing arrangement, it was the best experience we have had in a longtime.
13:40 20 Aug24
Yes, the company trustworth, because they invest in professional staff. David Reinhard one of them. The information they provide was accurate, relevant and very helpful.Thank you somuch
19:43 19 Aug24
We have used Invertas for private pension plan consulting. For us 5 Stars are NOT ENOUGH! The professionalism, courtesy and competence of David Reinhard are outstanding. He never made us feel bad, whatever questions we asked or how many times. On the contrary, I feel always a sense of serenity and trust when I ask clarifications, when I share my thoughts with him and when we discuss the best solutions for us. We recommend Invertas 100% and we think of using it for other topics aswell.
15:06 15 Aug24
David Reinhard at Invertas gave me excellent and detailed advice. I certainly trusted him to find me the best pension options. Would definitely recommend him and Invertas!
13:19 15 Aug24
David was incredibly helpful and patient during the entire consultation process. We ended up having several calls where he was able to walk me through everything and answer every question I had. As a US Expat, the intricacies of equity, stocks, and pension planning in Germany can be really confusing, but David was able to lay out all of my options clearly, and give advice without any pressure. I feel so much more confident in our future and financial planning now.
09:43 03 Mar24
David has been very helpful throughout the process of investing my savings. From our first consultation, he genuinely listened to my concerns and questions and suggested a personalized investment plan perfectly tailored to my needs and goals. I highly recommend him to anyone seeking a dedicated and knowledgeable financial advisor.
08:06 17 Oct23
I have been receiving investment advice from David Reinhard for a long time and I am very satisfied. He takes a lot of time to answer my questions, answers them expertly but is easy for me to understand, and is always easy to reach. I feel very safe and would definitely handle it again through InVertas and Mr. Reinhard.
13:38 12 Oct23
very friendly and expert advice on retirement planning issues.Thank you forthat.
14:57 11 Oct23
We sought advice from Mr. Reinhard in the area of retirement planning and are extremely satisfied. Mr. Reinhard took the time to give detailed advice, was always easy to reach if we had any questions and helped us find the best possible solution for our individual situation. We particularly liked his high level of transparency, his passion and his ability to explain complex issues in a compact and understandable way. We feel very well looked after and can recommend InVertas and especially Mr. Reinhard without reservation.
20:39 09 Oct23
Really great experience!We approached David to figure out a pension plan and he walked us through the entire thing explaining every detail of the confusing pension schemes here in Germany. Had two very pleasant calls where he patiently answered all our questions and helped us choose the right plan.I’d highly recommend working withDavid!
08:51 06 Oct23
I would recommend David Reinhard for his knowledge in the field and for having been transparent and eager to help and answer all my doubts in a straight forward manner while choosing my private Basis pension scheme in Germany.
05:50 28 Sep23
I wanted advice regarding my pension in Germany after being a longtime expat. After my inquire, in no time, an online meeting was set and I got all the information and advice I requested. David informed me precisely, showing expert knowledge of the German pension and tax system. The 1 hr. meeting went along in a very professionals and kind atmosphere. I highly recommend David and InVeritas.
16:50 17 Sep23
I was advised by David Reinhard and after several discussions with different advisors, I decided to entrust my finances to David. He gave me detailed and transparent advice and gave me the best feeling in the end. Well then I hope that I don’t end up in old age poverty in 40years.;)
16:58 30 Aug23
Good and friendly adviceVery nice and helpful
09:33 08 Aug23
I was advised by David Reinhard. Was a very competent and friendly consultation. I can recommend to everyone
11:46 02 Aug23
As a young person, I had no idea about the subject of retirement provision and investment. I am very grateful to Mr. Ulpts for taking so much time for me and for explaining everything in detail right from the start. Now I have a great gut feeling and I am very grateful to InVertas!
13:36 30 Jul23
Thanks for the extremely competent advice Martin Brinkmöller! I felt very well looked after, the consultation was very transparent.
12:09 31 May23
We have been with InVertas for a number of years and are absolutely satisfied. Very competent and friendly. We feel very well cared for here. We can recommend the company with a clear conscience.Very special thanks to Mr. Dillge and Mr. Bertram.
20:12 14 May23
I had consultations with David.He provided us excellent financial advice and knowledge as well as great plans for our retirement investments.
14:19 12 May23
Great advice and super friendly team!☺️
08:18 22 Jan22
David Reinhard has the patience and knows the details. He gives the time that is needed for the advice and is really good in what he does. He came across as someone who does his best to win the trust and confidence.
19:30 22 Dec21
It was nice being supported with a professional representative – ( David Reinhard ) who advised and gave us the best suited and transparent advise. This not only gave us the confidence but also motivated us to start with ourgoal.
13:20 23 Oct20
My contact person at InVertas was very professional, explained with meticulate detail my various insurance options and patiently helped me find products fitting my purposes.I especially appreciated the explanation of the systems and related costs, as well as their (potential) evolution. I tend to be at ease with numbers, but now I feel like I actually understand a bit more about the (German) insurance system.I felt that I was being treated in an honest and transparent manner (e.g. in regards to where/how they get their cut) and it didn’t feel like I was being talked down to, although some questions certainly may have seemed extremely fundamental.
23:51 08 Jun20
Great input into funds and stack investment, professional support yet at the same time understandable breakdown, thanks Martin!
10:27 23 Apr20
Very nice experience, they are patient and supportive.
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