Income Tax / Lohnsteuer
We receive a lot of questions about income tax declarations and where to get help, especially getting help in English.First I have to state that we are not
Finance
The most important financial topics for daily life in Germany
Income Tax
Information about taxes and where to find assistance
Pensions
How does the German state pensions work, what can you do to supplement your pension
Pension
Pensions in Germany The pension system in Germany can be complex, especially for foreigners. Employees, freelancers, and anyone planning for retirement all face different rules and responsibilities. But you don’t have to figure it out alone. Homepage of the Deutsche Rentenversicherung The German state pension
Foreign Exchange- ZAR to EUR
Foreign exchange rules to buy Euros with South African Rands
Foreign Exchange- ZAR to EUR
We are not financial advisors and therefore cannot give financial advice. The information here should not be seen as financial advice in any way.Always make informed decisions and speak to a professional when you are unsure. What is exchange control? Foreign exchange controls are various
SARS
Income Tax in South Africa
SARS Income Tax
Some basic information First I have to state that we are not tax consultants and by German law are not allowed to give any tax advice. Please speak to a professional tax consultant if you have any questions regarding your taxes in South Africa. The
SARS
Tax Residence in South Africa
Procedure to cease tax residency with SARS
Disclaimer:We are not tax consultants, always refer to a professional Tax consultant concerning your taxes. The Term Financial immigration is not being used anymore. The new concept for
Social Insurance
Health and long-term care insurance
Sozialversicherung / Social Insurance
The following Social Insurances are payable in Germany when you are a full-time employee or trainee: Krankenvesicherung / Medical Insurance Plegeversicherung / Long Term care insurance. Nursing or home care Rentenversicherung /
Financial planning
How to find a good investment planner
Investments and financial planning
We are not financial advisors, and can therefore not give any financial advice. We can however give you some guidelines about the industry in Germany and also some tips on finding a
Foreign Exchange- EUR to ZAR
Foreign exchange rules to buy South African Rands with Euros
Foreign Exchange- EUR to ZAR
We are not financial advisors and therefore cannot give financial advice. The information here should not be seen as financial advice in any way.Always make informed decisions and speak to a professional
Service providers listed on our website
Currency Assist
Assisting clients with International Money Transfers to or from South Africa At Currency Assist, we come to work every day striving to find a solution to the biggest problem with international money transfers… Transparency! This is our mission. Everyone knows they are paying too much for their transfers but can’t guess by how much. We love what we do! We let you concentrate on what you do best, we do the rest. We offer a team of handpicked forex specialists to cater to all your money transfer needs. We are constantly striving to forge new working relationships and strengthen current ones From simple cross-border payments to sophisticated hedging solutions, Currency Assist can deal with all foreign exchange and treasury requirements, no matter the size or scale. Our offering includes: A range of personalised and boutique services Competitive exchange rates No minimum balances No hidden costs A fully automated account-opening process, with no start-up or ongoing fees Direct liaison with a dedicated team of dealers across all products Access to online international payment platforms Foreign currency account A dedicated exchange control team to help with Reserve Bank approvals, tax clearances, tax migrations, financial emigrations and executor payments to offshore beneficiaries View my profile on LinkedIn Corporate profile Currency Assist SA (Pty) Ltd is a foreign exchange service provider registered in South Africa authorised with the FSCA under FSP license number 46057
Chad Joubert – Wealth Advisor
DIE GUTE WAHL – THE GOOD CHOICE – Agency for Allfinanz Deutsche Vermögensberatung. We are here for you, we provide you with professional support in your planning for the future: With the right concept, you are fully protected and build your wealth step by step. Ask for an individual (no fee) consultation. We advise you competently and reliably, via online meetings. Click the link to get access to our Bookings page: Financial advice as comprehensive as your life with our All-Finance Concept. At the beginning of our consultation there is always a detailed analysis of your financial situation and your wishes and goals. Based on this, we develop an individual wealth plan for you. Our advice is cross-industry and takes into account all modern financial components. We accompany you throughout and can thus adapt your asset accumulation and your protection to changing life circumstances at any time. Everything you need from a single source. Comprehensive provision for now and later Closing gaps in care: Retirement · Disability · Severe Illness · Survivors Insurance (Life cover) Securing state subsidies – Riester-Rente · Basis-Rente Company pension scheme Capital building life insurance – and Retirement income insurance (unit-linked investment and conventional) Well cared for in an emergency Private Health Insurance (Private Krankenvollversicherung) Supplementary Private Health (Private Krankenzusatzversicherung) Sickness Income Insurance (Private Krankentagegeldversicherung) Long-term Care Insurance (Private Pflegeversicherung) Travel Health Insurance (Private Auslandsreisekrankenversicherung) Public Health Insurance (BKK Linde) Safety & Security with our Asset Protection Products Car Insurance (Kfz-Versicherung) Private Liability Insurance (Haftpflichtversicherung) Home and Contents Insurance (Hausratversicherung) Accident Insurance (Unfallversicherung) Legal Liability Insurance (Rechtsschutzversicherung) Building Insurance (Gebäudeversicherung) Business Insurances (Betriebsversicherung) Other extended asset protection insurances (Weitere Sachversicherungen) From current accounts to credit cards, from fund savings to real estate financing. We bring the complete banking offer to your home: Current account Credit cards Investment funds and Savings Plans: Wealth Management· Guarantee funds · Property funds · Equity funds· Bond funds · Money Market funds · Gold and Silver Fixed-term deposits Home Savings (Bausparen) Financing Real Estate Loans· Personal Loans · Modernization/Renovation Loans Commercial / Business Financing and Leasing options Quotations for Electricity and Gas with 12 or 24 month pricing guarantee. All financial matters are taken care of. Our investment advice offers quality and security. That’s why we only recommend products from well-known companies in the banking and insurance industry. In particular, with the strong premium partners Generali, DWS and Deutsche Bank get you tailor-made. Solutions that fit your wishes, ideas and goals. Chad Joubert Agency for Allfinanz Deutsche Vermögensberatung Galgenfeld 12, 84171 Baierbach Telefon 08705 4659111 Mobil 0176 55681909 E-Mail Chad.Joubert@allfinanz-dvag.de Current information can be found on my website: https://www.allfinanz-dvag.de/chad.joubert Make an appointment Impressum Datenschutz Facebook We also run a Financial Advisory Practice in South Africa. As such, we can help you to manage your investments in South Africa as well as in Germany, this is very important, when it comes to your estate plan and settling of your estate, as we will be able to support your family during this time by being able to help settle your estate in both countries. It can also be important to have someone that knows investments and insurances in both countries, to help protect and manage your wealth, since 2021, you need to be at least 3 years as a non-tax resident in SA before you can move your retirement money out of the country, we can help manage your investment up until that time and then assist with moving it over to Germany and investing it over here or if you want to buy a house in Germany, we can then help you to bring the money over to Germany and we can assist you with the bond on your new home here in Germany. Should you not wish to move the money over, we can help manage your money up to and including during retirement, so that you only have one person that you need to speak to and deal with for your retirement income and ongoing investments. Are you planning on moving back to SA? We can assist you with putting all your insurances back in place in SA, we can also help you to restart your investments and retirement savings in SA. You will need to get medical aid and possibly gap cover again in SA and we can assist you with that as and take you through the discussion around late joiner penalties that could be applied to your medical aid due to a number of year without recognized medical aid coverage. Do you want to buy a house in SA, we can assist you with a mortgage in SA though one of the top 5 banks, via our partner @360 Click on the link below to access our App:
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