We help Iberian and Latin people save safely for their retirement
Saving early gives you more freedom, more options and a life without money worries in old age.
Book free advice- More independence in old age
- Start with small monthly amounts
- Explained simply in Portuguese, Spanish, German or English
If you do nothing now, you'll have problems later
Life comes with many costs – from everyday expenses and rising rents to medical care. People who came to Germany later often have fewer years of pension contributions. That makes saving for yourself all the more important.
- Living costs€950 / mo
- Rent€800 / mo
- Leisure€320 / mo
- Investing can pay for it later+ €343,047Example at 10 % a yearSee the example
* Example values
How it works
You don't need any prior knowledge – we take care of all the details and explain everything clearly. Your future self benefits from the savings.
Start at 30
Paying in: €150 / month
Assumed return: 10 % a year*
You decide to save a fixed amount for your retirement every month – for example €150. The money is invested in a contract, for example an insurance policy linked to ETFs.
At 40
you have €30,219
If the fund grows by 10 % a year on average.*
You can spend €10,000, €20,219 keeps growing
For example on new furniture or your first family holiday.
At 50
you have €82,661
Despite the withdrawal at 40, you can now put down a deposit on a property.
You spend €30,000, €52,661 keeps growing
And your money keeps growing.
At 67
you retire with €343,047
Despite all withdrawals – on top of your statutory pension.
* Example calculation assuming a 10 % return per year, without costs, taxes or inflation. No guarantee – fund values can go down as well as up. We'll work out your real numbers with you in the consultation.
Three conversations to your plan
You don't need any prior knowledge – we take care of the details and explain everything clearly.
Getting to know each other
In the first conversation we check whether we can help you. We show you transparently what cover you need and compare it with your existing contracts – so you can get better benefits or lower rates.
Offer + decision
After the first conversation we put together an offer tailored to you. We go through it together in a second conversation – and you decide which parts matter to you.
Quality check + life planning
In the third conversation we round everything off with a quality check. Together we make sure everything fits and you're completely happy.
4.7 / 5based on 100+ reviews
Words from the founder
“We make you feel at home – even when you're far from home.”
FAQ
Here we answer the most common questions about retirement savings.
Your next step
Book a consultation and get started today. At IFC you're not on your own – we walk this path together with you.
- Flexible scheduling
- Free 30-minute call
- No obligation