right strategy beats luck or timing

Investing in Germany - Guide for Expats

More than 800 positive reviews

First things first

"Vision without action is a daydream. Action without vision is a nightmare." - Our investment philosophy is to help you escape the world of investment dreams, good andbad – and turn your investments into a long‐term profitable reality instead.

We base our investment strategy on scientific findings and focus on the factors that will have the greatest influence on the expected future performance of your investment.

Investments in Germany can be very different. At CR&Cie we offer you all possible facets of investments: savings plans, index funds, ETF funds, fund policies, real estate and more... whatever best suits you and your wishes.

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Investment in Germany

Patrick Oliver Ott

Expert for insurance and finance

3. April 2022

insurance, stock market, real estate

Investment in Germany - Your goals become our joint strategy

Our priority is a fundamental understanding of your financial goals and beliefs, so that we can work with you to develop a custom-made investment plan tailored to your needs. We want to find the best investments in Germany for you, whether real estate, shares, insurance or a mixture of everything.

High-quality investment advice requires that we know about your life situation, ideas and priorities. Thanks to our “Dovetail” advisory approach, we are able to ensure this on a permanent basis and be able to provide you with serious recommendations for decisions on your assets on an ongoing basis.

Risk-adjusted investment and asset planning

In investing, 96% of success is determined by the right strategy, and 4% by skillful timing or a felicitous hand in the selection of individual investments. Based on your risk profile, we develop an investment plan for you that will take you safely to your destination and enable you to sleep well even in difficult market situations.

We select the strategy and asset classes according to your risk awareness or need for security. We discuss with you the advantages and disadvantages of the individual investments, the prospects for returns and all possible risks.

Our investment strategy is based on scientific findings...

… and focus on the factors that will have the greatest influence on the expected future performance of your investment:

Low costs: The lower the investment costs, the higher your return!
Diversification: The more individual stocks a portfolio contains, the lower is its unsystematic risk, a risk which must be avoided. The portfolios we recommend are globally oriented and highly diversified with well over 10,000 individual stocks.
Capital markets are efficient: Only a few succeed in working against the market and also hardly achieve consistently good results.
Use of smaller companies (small caps) and relative price strategies (value stocks): These factors increase the investment success and are proven by scientific studies on the current state of capital market research (see Eugene Fama three-factor model (Nobel Prize winner in economics) and Kenneth French).
Low turnover rate: Less is more! Fewer transactions mean lower transaction costs and higher tax efficiency.
Tax efficiency: A high turnover rate (realization of capital gains) and dividend payments have a negative impact on the post-tax return. Therefore, the post-tax return must not be neglected.

Why expats trust us

100% English-speaking advisors - "Life is too short to learn German".

Offers from more than 150 insurance companies - with us you really have the choice

Many years of experience and specialisation - we know the needs of expats

the experts for expats

Independent advice for the best cover

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Investing scientifically in Germany - the key to success

Invest scientifically and don’t let half-knowledge and speculation guide you! We don’t promise what we can’t keep. Unfortunately, we cannot predict the future market development – but neither can others, even if they claim to do so. Therefore, as your „personal trainer“, our task is to provide financial information and education, protect you from investment mistakes, reduce your investment costs and help you with portfolio structuring.

Take advantage of a strategy based on scientific research from leading U.S. universities such as Yale, Stanford, MIT and the University of Chicago and take advantage of the findings of Nobel Prize winners in economics such as Harry Markowitz, Merton Miller, William Sharpe, Myron Scholes and Eugene Fama.

"Those who are afraid of crises have not understood it"

Dr Andreas Beck is portfolio manager of Global Portfolio One and author of the book "Erfolgreich wissenschaftlich investieren" (successful scientific investing). According to his approach, there are ultra-stable equity portfolios that need not fear any crisis, whether economic crisis, war or pandemic.

The long-term returns of the global economy average 6-8% per year over 10, 20 or 50 years. With wise investment in the world economy and broad diversification in the "world company", not only can the failure of the capital be prevented, it is also highly likely that the return of 6-8% per year for long-term investments will be achieved.

And why should crises not be feared with this approach? Because the world economy continues to run. In a crisis, such as the Corona pandemic, some companies go bankrupt, others profit. A crisis also always offers opportunities for new companies and business models. With a broad investment in the global economy, individual companies do not play a role. Crises are inevitable in the long term. In this approach, however, they do not matter.