What Is Best to Invest in as a Beginner in Germany? A Simple Guide
Introduction
If you’re new to investing, you might be thinking, “I want to invest my money, but what’s the best way for a total begin
Starting to invest in Germany can feel confusing, especially when you are far from home. Many African immigrants worry about taxes, paperwork, and losing money. Others think you need a lot of cash to invest.
But the truth is simple: you can start small, grow over time, and protect yourself from risk.
People in Germany are now living longer than ever. In fact, there are already about 600,000 people over 100 years old living among us. That means we all need smart retirement planning early.
So what should beginners invest in?
Let’s break it down.
1. Start With Simple, Diversified Funds
New investors should avoid stock-picking. It is stressful and risky.
Instead, most beginners do better with funds. Funds collect many companies inside one basket. If one company falls, others help balance it.
You can build your own mix or choose professionally managed portfolios. These are watched and optimized by experts, so you don’t need to stress about it.
As one investor said to me:
“I don’t have time to watch the stock market every day. Managed portfolios help me sleep at night.”
Smart move.
2. Consider a Flexible Retirement Insurance (Fondsgebundene Rentenversicherung)
This is a powerful beginner option.
During the saving phase, your money is invested in the market. When retirement comes, you can choose:
a lifetime monthly pension
a one-time payout
or a mix of both
This flexibility matters when you don’t know what life will look like later.
If better retirement options appear in the future, you are covered by an “Innovationsklausel,” which means you can switch to improved payout types later
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That is huge.
A customer once said:
“I like knowing I can get monthly money if I stay in Germany, or take cash if I move home.”
Exactly.
3. Grow Your Savings With Cashback
Yes, really.
The plusrente system lets you earn cashback from normal shopping at more than 1,200 stores. That cashback gets added to your retirement savings and can grow even more over time.
The sheet explains you might earn a percent of your purchase or a fixed euro amount, depending on the shop
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One user told me:
“I was shocked that buying shoes online added money to my pension.”
Beginners love this because:
it doesn’t cost extra
it boosts long-term growth
it feels motivating
4. Reduce Risk As Your Life Changes
You may feel brave today. But what about 10 years from now?
Good investment systems allow you to:
move money into safer assets
protect profits
reduce exposure to market swings
This is offered through a Sicherungsoption, letting you shift parts of your fund safely out of risky markets when needed.
A friend once told me:
“I liked growth at first, but when my baby came, I wanted more safety.”
Life happens.
5. Stay Flexible When Life Gets Hard
Immigrant life is not always smooth. Work can change. Family back home may need support. Visas can shift.
That’s why flexibility matters even more.
You can:
pause payments
reduce contributions
switch funds
adjust risk level
withdraw if needed
The product sheet shows many options for “kurzfristige Zahlungsschwierigkeiten” and other life events related to payout and contribution changes.
This keeps your future safe, even during stress.
So, What Should Beginners Invest In?
Here’s the clear answer:
✅ Start with simple, diversified funds.
✅ Use a flexible retirement insurance product.
✅ Boost savings with cashback systems.
✅ Reduce or increase risk as your life changes.
✅ Pause when life gets tough, without losing everything.
You don’t need a big salary.
You need:
time
flexibility
consistency
The earlier you start, the more you gain.
Ready to Take Your First Step?
I created a free 4-step checklist to help you:
choose beginner-friendly funds
compare payout options
avoid hidden fees
build confidence
Just tell me:
“Send me the checklist”
Your future self will thank you.
Get Your Checklist – Free via WhatsApp
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