Independent guide to retirement planning in Germany
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About

Why Silberpfad exists.

An independent, editorial guide to retirement planning in Germany. No products, no commissions, no advice.

What this site is

Silberpfad is an editorial information offering on retirement planning in Germany. The target audience is people between 45 and 65 who have reached the point of serious retirement planning and are looking for a sober introduction to the basics: the three pillars, the pension gap, ETF savings plans, tax rules, inflation protection, thematic investments such as artificial intelligence.

Articles are deliberately concise. A good guide removes uncertainty for the reader; a textbook should not cost them sleep.

What this site is not

Silberpfad is not advice, neither within the meaning of the German Securities Institutions Act nor in any other sense. No financial products are sold, brokered or recommended. There are no commissions, no affiliate links, no advertising banners on the site itself.

For individual decisions on retirement, investment or tax, consult a fee-only adviser authorised in Germany (Honorarberater under §34h GewO) who advises on a fee basis and does not receive commissions.

Editorial principles

  • Source transparency: Figures come from public primary sources (Destatis, Bundesbank, BMAS, Deutsche Rentenversicherung, ECB) or established financial information providers (Morningstar, JustETF, PRIIPs KIDs). An overview is available under Sources.
  • Sober language: No superlatives, no guarantees, no hype. Returns are cited with timeframes and sources. Risks are named, not hidden.
  • Updates: Articles are revised when legislation changes, new figures arrive or markets shift. The last-modified date is visible in metadata.
  • Independence: No sponsors, no partnerships with financial service providers, no paid mentions. If that changes in future, it will be transparently disclosed.

Why this topic

The German state pension alone is no longer enough for most people to maintain their standard of living in retirement. At the same time, private provision remains a field where many products are sold with high costs and limited transparency.

Good editorial content is one possible counterweight: readable, independent, source-backed. That is the only claim this site makes.

Contact and corrections

For questions, corrections or notice of outdated figures: kontakt@silberpfad.net.

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