Stage 1: Goals, Challenges & Fears
What does the ideal financial future look like?
Q1: How should your ideal future look in terms of wealth & finance?
Expats think long-term but feel short-term disoriented. The ideal picture is clear, the path to get there is not.
3–5 years: stable job, savings rate, first investments. 5–10 years: property, significant wealth.
Q2: Greatest Challenges
"Even if I earn more, my net income barely changes." – This creates resignation.
Q3: Biggest Fears About Building Wealth
💡 Not greed, but fear of losing control. Trust beats performance. Security beats return promises.
Interim Conclusion
This is not an "investor mindset." It's a stability mindset with long-term ambition.
Stage 2: Financial Freedom & Living in Germany
Q4: How would you define financial freedom?
Not dependent, on employer, state, or next paycheck
Monthly security, €2,000–3,000 net passive or secured
Freedom of choice, job changes, relocation, self-employment
Inner peace, no fear of illness, job loss, or emergencies
💡 Financial freedom for expats means mental relief, not Ferraris. Luxury, quick gains, and status symbols are explicitly not mentioned.
Q5: Problems regarding financial freedom as an expat
Germany feels safe, but not wealth-friendly.
Q6: Do you feel well supported on financial matters as an expat?
82%
No
14%
Partially
4%
Yes
Q7: Do you plan to live in Germany long-term?
64%
Yes, 5–10 yrs
28%
Uncertain
8%
Return
💡 The decision to stay is financially conditional. If building wealth doesn't work out, they leave again.
Stage 3: Experience with Financial Advice
Q8: Have you already dealt with financial planning?
24%
No active measures
Only bank account & mandatory insurance
51%
Individual measures without strategy
ETF plan, private pension, property idea
16%
Partially structured
Investment + pension, tax advisor
9%
Clearly structured plan
Well-thought-out plan with regular review
91% of the market has optimization potential. 75% are either not active at all or only unsystematically.
Q9: What was missing?
"They earn from me, not with me." – The most common killer thought.
Stage 4: The Ideal Offering
Q10: What do expats expect from a financial offering?
💡 Not products, but orientation. Not one-time advice, but ongoing guidance.
Q11: Which areas are most important?
- 1Wealth building through investments
- 2Understanding the German system
- 3Tax opportunities
- 4Insurance protection
- 5Long-term guidance
Stage 5: Prejudices About Financial Advice
Stage 6: Greatest Perceived Value
Over 75% of all responses revolve around:
💡 Only a small fraction mentions achieving the best returns. It's about ongoing guidance, not one-time advice.
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