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  1. Planning for retirement

    Hi,   I have moved to Germany a couple of years ago and haven't had a great deal of thought about retirement in Germany. As a freelancer, I am not paying into the German system so, as someone who's turning now 38 I should probably think about what I will do in 30 yrs time. What are my options? I have been accumulating my savings (about 30% of my income) into the stock market,, and a no-interest savings account. I have heard about privat rentenvorsorge (or privat rentenversicherung). Are these worth a look or should I just put the money into some sort of long term investment options instead?   Kind regards, Paulo