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

Описание: 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

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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

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