Guides, worked through.

Questions about wealth, property and retirement, explained plainly and with calculators you can try with your own numbers. Wertavo explains, it does not recommend.

Property

8 guides

Buying, financing, letting, selling: the numbers behind a property, from the purchase costs to the tax on a sale.

Property · 9 min

How much house can I afford?

Payment, equity and purchase costs: how much property your income can carry, and what one percentage point on the rate changes.

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Property · 11 min

Own home, buy-to-let or ETFs?

Three paths with the same budget over 25 years: which assumptions tip the balance, and why there is no general answer.

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Property · 9 min

How to calculate rental yield

Gross, net, price-to-rent ratio and return on equity: four numbers for the same flat, and what each of them tells you.

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Property · 8 min

Cash flow after debt service

What is left of the rent after costs, interest and principal, worked through step by step on one flat, with a calculator.

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Property · 9 min

When the fixed rate ends

What is left of the loan when the fixed rate ends, what a new rate does to the payment, and which options you have.

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Property · 9 min

Extra repayment or ETF?

The extra repayment earns the loan rate, guaranteed and tax-free. How much more an ETF has to earn, and what liquidity is worth.

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Property · 9 min

Depreciation on rental property

Which part of the price you can depreciate, at which rate, and what that is worth after tax every year.

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Property · 9 min

Selling property: the 10-year rule

Ten years from contract to contract, the exemption for your own home, and why claimed depreciation comes back on sale.

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Retirement

3 guides

When it is enough, how much you can withdraw, and how big the gap to the state pension is.

Retirement · 10 min

When can I retire?

Wealth, spending, pension, rent: the calculator runs 2,000 market paths and shows from which age it is enough, and how likely.

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Retirement · 10 min

The 4 % rule: how much can I withdraw?

Where the rule comes from, what it assumes, and how likely your own withdrawal rate is to last, tested with 2,000 market paths.

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Retirement · 9 min

Calculating your pension gap

Gross pension, net pension, inflation: the gap between what comes in and what you spend, and how much capital closes it.

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Wealth and investing

4 guides

What your net worth is, how it compares, and how to think about asset classes and the split of a portfolio.

Wealth · 8 min

Calculating your net worth

What counts, at which value, and what comes off: net worth step by step, with property, loans and pensions.

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Wealth · 8 min

Net worth by age: what is normal?

Median and average by age group from the Bundesbank’s household survey, and where your own net worth would stand.

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Wealth · 11 min

Which asset classes, from what wealth?

Eight asset classes side by side: what each does well, what it costs you, and when it usually comes into play.

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Investing · 9 min

What is a core-satellite strategy?

A broad, cheap core and a few deliberate bets: how the split works and what a satellite can do to the whole portfolio.

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FAQ

Short questions, short answers.

Net worth with loans, market value or purchase price, pensions in your net worth, the 4 % rule and more.

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Glossary

Terms, briefly explained.

From cash flow after debt service to the fixed-rate period: the words behind the numbers, in one or two sentences each.

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