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Frankfurter Rundschau, a German news platform, explores growing concerns around retirement security in Germany. Citing the “Retirement Provision Report 2025” by Deutsche Bank and DWS, the article highlights that 83% of respondents no longer consider the statutory pension to be secure for the future. Dominik Mayr, Head of Freedom24 in the DACH region, shares practical insights on how people over 50 can build long-term wealth. 📊
“You can't ignore it; you have to actively address your retirement planning,” warns Dominik. He explains that a 50 year old investing €500 per month for 15 years in the S&P 500 could accumulate assets worth €190,000 by age 65, assuming market returns develop similarly to the past. “If you invest in a broadly diversified ETF like the S&P 500, which has a market return of between 7 and 8 percent, you can still generate a stable return even with large fluctuations and crises,” he adds.
The article also outlines key portfolio considerations from age 50, including diversification, a core satellite strategy and maintaining a liquidity buffer. Dominik emphasizes the importance of a long-term perspective and disciplined decision-making during market volatility. As he concludes, “Private retirement savings are not a luxury, but rather a necessity. Ultimately, it's about not only making ends meet in old age, but also maintaining your current standard of living – and for that, you have to take action.” 💬
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