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You still have a retirement gap — here are concrete tips! These saving tips help you increase your savings rate and close the gap.
★ Tip of the Month
ETF savings plan: Even €50/month makes a difference
Someone who invests €50/month into a broadly diversified global ETF starting at age 35 will have saved over €65,000 by age 67 at 6% return — purely through compound interest. The best time to start was yesterday, the second best is today.
Investing
Community Tips
💰 Sorted by estimated annual savings (rough estimates, individual results may vary)
At least 2× a week: leftovers feast 🥗
Leftovers can become real feasts! Combine them with raw veggies, cheese, and contents from jars/cans. You save money and clean out your fridge at the same time!
💰 approx. €400/yrSavingvon Sonja
No-Buy Month: postpone all purchases by a month 📦
Do a month where you only buy essentials — nothing from Amazon, no impulse buys. Just postpone all purchases by a month. You'll be surprised what resolves itself!
💰 approx. €550/yrSavingvon Sonja
Use your full tax-free savings allowance
Everyone has a €1,000 tax-free savings allowance (married couples: €2,000) — capital gains up to this amount are tax-free. Set up an exemption order with your bank, or too much capital gains tax gets withheld.
💰 approx. €300/yrTaxesvon Maria K.
Know your ETF costs — aim for a TER below 0.2%
The Total Expense Ratio (TER) eats into returns. A 0.5% difference sounds small but costs over €15,000 in final capital over 30 years on €50,000. It pays to compare ongoing costs.
💰 approx. €500/yr ⌀Investingvon Thomas B.
Standing order on payday — pay yourself first
Automatically transfer your savings rate on the 1st of the month, before the money disappears into everyday spending. What you never see, you never miss.
💰 approx. €450/yrSavingvon Sandra M.
Riester or Rürup? Only worth it with subsidies
Riester pays off mainly for families with children (high allowances) or high earners (tax deduction). Rürup is interesting for the self-employed. Without state subsidies, ETFs are usually better.
💰 approx. €250/yrTaxesvon Prof. J.
Got a raise? Increase your savings rate by half of it
With your next raise, immediately increase your savings rate by half of the net increase. You barely notice it, but invest significantly more.
💰 approx. €600/yrSavingvon Alex H.
Cash account for emergencies — not for retirement savings
Keep 3–6 months' salary in cash as a buffer. Everything beyond that should be invested long-term — cash interest barely beats inflation.
💰 approx. €420/yrInvestingvon Clara F.
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