FrauFuture

28/10/2026

It arrives every year. A lot of the women we talk to open it, see a wall of German and a number, and put it in a drawer. 👻

Meet the Renteninformation: your annual pension statement from Deutsche Rentenversicherung. You usually start receiving it at 27, once you have at least five years of contributions.

Three things to look for:

① The amounts are gross.
Allow for health and long-term care insurance contributions—and potentially income tax. The figure on the page isn’t your spending money.

② The forecast makes an assumption.
It assumes you’ll keep contributing at the average level of your last five calendar years. Going part-time or taking a career break can change your future pension.

③ Your recorded years matter.
Check your Versicherungsverlauf (insurance history). Child-raising periods and school or university periods aren’t added automatically. If yours are missing, ask to have them recorded.

Can’t find your statement? You can request another one online. Link in the comments.

👉 Send us a message and we’ll go through yours together. No question too basic. No scary German required.

17/10/2026

What a wonderful evening with an inspiring group of international women in Berlin! 💛

Yesterday was about getting comfortable asking questions, sharing experiences and talking openly about money, careers and our futures.

We explored financial life in Germany, enjoyed thoughtful conversations and delicious food, and loved the warm, relaxed atmosphere everyone helped create.

A heartfelt thank you to every woman who joined us—for your curiosity, your honesty and the perspectives you brought to the conversation.

And a big thank you to for hosting us and making us feel so welcome, and to Vasta Catering for the delicious finger food!

This is why we started FrauFUTURE: to make financial knowledge accessible and give women a space to learn, connect and ask the questions that matter to them.

We’re so glad we shared this evening with you. ✨

Yvonne & Verena

10/10/2026

A successful career does not automatically create a secure financial future.

I spent more than 20 years building an international career, working in senior leadership roles and living across different countries.

I knew how to lead teams, build brands and negotiate my next career move.

But nobody ever taught me how to turn the money I earned into long-term financial security, or what working across different countries would eventually mean for my pension.

And I know I’m not the only woman who has experienced this.

We invest so much energy in building our careers, but very few of us are taught how our income, pension and investments need to work together.

That is one of the reasons we created this evening: to have the conversation many of us wish we had been offered much earlier.

If this sounds familiar, you’re warmly invited to join us.

This is one of the reasons we created this evening: to have the conversation many of us wish we had been offered much earlier.

On Friday, 16 October, we’re bringing women together at DENIZEN in Berlin-Kreuzberg to ask questions, gain practical clarity and talk openly about pensions, investing and building a secure financial future in Germany.

If this sounds familiar, we’d love to welcome you.

📅 Friday, 16 October
📍 DENIZEN, Berlin-Kreuzberg
🎟️ Tickets available via the link in our bio or https://www.eventbrite.de/e/the-2027-money-shift-new-pension-investment-rules-for-expats-tickets

07/10/2026

You could be losing thousands of euros without even knowing it.

Old contracts. High fees. Missed subsidies. The wrong setup for your life in Germany.

On 16 October, we’re breaking down what the 2027 pension and investment changes could actually mean for you — in plain English, with real examples, Q&A, drinks and other international women in Berlin.

€35 for clarity on decisions worth thousands.

If you’ve been meaning to finally understand your pension, investments or old Riester contract, this is the evening to do it.

🥂 Drinks
💬 Real talk
💶 Real money questions
🤝 Mingling
📍 Berlin

The 2027 Money Shift

🎟 Get your ticket here: link in bio
https://www.eventbrite.de/e/the-2027-money-shift-new-pension-investment-rules-for-expats-tickets-2002384007469

Come with questions. Leave knowing what could actually save you money.

06/10/2026

You could be losing thousands of euros without even knowing it.

Old contracts. High fees. Missed subsidies. The wrong setup for your life in Germany.

On 16 October, we’re breaking down what the 2027 pension and investment changes could actually mean for you — in plain English, with real examples, Q&A, drinks and other international women in Berlin.

€35 for clarity on decisions worth thousands.

If you’ve been meaning to finally understand your pension, investments or old Riester contract, this is the evening to do it.

🥂 Drinks
💬 Real talk
💶 Real money questions
🤝 Mingling
📍 Berlin

The 2027 Money Shift

🎟 Get your ticket here:
https://www.eventbrite.de/e/the-2027-money-shift-new-pension-investment-rules-for-expats-tickets-2002384007469

Come with questions. Leave knowing what could actually save you money.

29/09/2026

Calling all international women in Berlin!
Don’t miss *The 2027 Money Shift* on Friday, October 16th at 6:30 PM - grab drinks, bites, and crucial insights on Germany’s new pension and investment rules before they take effect.

Spaces are limited, so secure your spot now!
Secure your tickets here:
https://www.eventbrite.de/e/the-2027-money-shift-new-pension-investment-rules-for-expats-tickets-2002384007469

A Friday social for international women in Berlin - drinks, bites, networking & what Germany’s 2027 money changes mean for you.

16/09/2026

A small reality check: your career decisions don’t stop at your salary.

They shape your long-term financial future too.

That’s why we created this workshop — for international women who want clarity before 2027, without the jargon and without the pressure.

🎟 Early Bird €25 until Sept 25
📍 Berlin
🔗 Link in bio

28/08/2026

📣 BERLIN LADIES: 40 seats. One evening. The financial clarity you wish someone had given you sooner. 💸

Join FrauFUTURE founders Yvonne and Verena for an exclusive in-person workshop on Germany’s upcoming pension and investment changes - and what they could mean for your financial future.

This is not another generic finance talk.

You’ll learn directly from licensed financial professionals, gain practical context beyond the headlines and discover the key questions to ask before making important pension or investment decisions in Germany.

You’ll leave with more clarity, more confidence and a better understanding of your next steps - especially if your financial life spans different countries.

And because money conversations are better in good company, your ticket also includes drinks, snacks and time to connect with other brilliant women in Berlin🥂

📅 19 October
📍 DENIZEN, Berlin
🕡 Doors open at 18:30
🎟️ €25 Early Bird until 25 September
Regular price: €35
✨ Limited to only 40 women

Secure your seat via the link in our bio. 💚

02/08/2026

In the past two weeks, Germany has been debating single parents🧑‍🧒🧑‍🧒‍🧒.

Should support be reduced?
Should single parents simply work more?
Who should carry the financial responsibility?

Whatever your political opinion is, the debate revealed something much bigger.

Millions of single mothers are still financially vulnerable.

And that’s exactly why I think we’re asking the wrong question.

Instead of only discussing benefits for today, we should also be talking about financial independence tomorrow.

Because retirement isn’t an age.

It’s a financial plan🧭.

As a single mom, you’re already planning everything.

✔️ School.
✔️ Out of school activities.
✔️ Groceries.
✔️ Doctor’s appointments.
✔️ Your child’s future.

But when was the last time you planned your own future?

Many women postpone retirement planning because there never seems to be enough money or the “right time.”

The truth?

There is no perfect moment.

Germany is preparing a new government-supported retirement investment account, expected to launch in 2027. That’s an important step.

But it shouldn’t become an excuse to wait.

You can already start today by:
• understanding your pension gap
• reviewing your workplace pension (bAV), if available
• building an investment strategy
• investing consistently - even if you start small

Financial security is rarely created by one government decision.

It’s created by hundreds of small decisions we make over time⏳.

Because retirement isn’t something that suddenly starts at 67.

It’s built one decision at a time.

💬 What’s one financial decision you can make this month that your future self will thank you for?

28/06/2026

Last Monday marked a turning point in Germany’s pension debate.

For the first time, the Rentenkommission recommended investing part of future pension contributions in the capital markets—a model that countries like Sweden have successfully used for years.

Will 0.5% change everything?

No.

But it’s a start.

At FrauFUTURE, we’ve always believed that retirement shouldn’t rely on just one system.

Your pension is one pillar.
Your investments are another.

The earlier your money starts working for you, the more choices your future self will have.

This isn’t just about pensions.
It’s about financial independence.

What do you think—should Germany follow countries like Sweden and invest more of its pension system?

👇 Tell us in the comments.

ETF FinancialEducation WomenWhoInvest