Leaving Germany one day?

What you paid into the German system is not lost when you leave, but the rules differ by where you go.

• Statutory contributions are generally preserved and can pay out later, even from abroad.
• EU/EEA moves keep your record connected; further afield, refunds or waiting periods may apply.
• Private and company pensions can be set up so the payouts are not locked to Germany.

Most portfolios can keep running wherever you move next, with a few things to check before you go.

• ETF and fund portfolios can usually be kept and managed from abroad.
• Your broker, tax residency and reporting may change, so we flag what to adjust.
• Selling everything in a rush before leaving is often the costliest mistake.

Some policies should travel with you, others are worth cancelling. Knowing which saves money.

• Health cover ends or changes; line up your next country's cover before you cancel.
• Liability and household policies usually end with your German residence.
• Disability and life cover can sometimes continue, which is valuable if you keep it.

Your final year in Germany has its own rules, and there is often money still to claim.

• A final tax return frequently produces a refund worth claiming.
• Exit-related taxation can apply to some assets, so plan the timing.
• Double-taxation treaties decide what your next country can tax.