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You opened a German mortgage calculator, saw the Eigenkapital needed, and quietly closed…
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Investing in Germany as a U.S. citizen 🙈
Investing in Germany as a U.S. citizen 🙈
For US citizens living in Germany, building wealth can feel like navigating a minefield. The combination of US tax laws…
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Alexander Hecking shared thisHallo Nachbarn, vielleicht habt ihr unseren Flyer vor der Tür gesehen. Wir vermieten ab September einen Neubau im Gutleutviertel in Frankfurt, ein paar Gehminuten von euren Büros entfernt. Deshalb die Frage an euch: Sucht bei euch gerade jemand eine Wohnung in Laufnähe zum Büro? Oder habt ihr schon mal überlegt, selbst Wohnungen für eure Mitarbeiter anzumieten? 30 Wohnungen, 30 bis 103 m², Einbauküche in der Kaltmiete enthalten, die meisten mit Balkon oder Dachterrasse. Zu jeder gibt es einen 3D-Rundgang: https://lnkd.in/e25AHeme Wenn es passt, meldet euch gern. Und wenn nicht, gebt es einfach weiter. Ein paar Nachbarn, die ich hier verlinke: Miebach GAR Gesellschaft für Aufsichtsrecht und Revision mbH WPGCovomo Versicherungsvergleich GmbH ETECTURE GmbH WAN-IFRA, the World Association of News PublishersSoHo Living, Heilbronner Straße 4-6 — 32 loft apartments to rent in Frankfurt Gutleutviertel | FinancemateSoHo Living, Heilbronner Straße 4-6 — 32 loft apartments to rent in Frankfurt Gutleutviertel | Financemate
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Alexander Hecking shared thisIt's never been easier to feel behind. Open any app and someone is doing it better. Better job, more travel, the house, the family, and somehow they're fitter too. Under all of it sits something quieter. The feeling that I should be further along by now. You can do a lot and still lie awake feeling like it wasn't enough. Like you're not enough. I doubt I'm the only one who hears that voice. For me it shows up as productivity. A voice says I'm too slow, so I speed up. I do three things at once and cut corners. My Downloads folder currently holds 3,492 files. Files I told myself I'd sort out later. Going faster just makes me slower. I did exactly this with money too. As a student I put my rainy day fund into stocks, then chased crypto, because I felt behind and wanted to catch up fast. I see the same in real estate. People hunt for the perfect underpriced deal to take the fast lane to wealth. In my experience that usually means they slow themselves down and never start. They browse for years looking for a unicorn instead of laying the first stone. Starting early and rushing are not the same thing. Be impatient about beginning. Be patient about understanding what you're investing in, and about the result. You don't need the perfect first move. You need a first move. If you've been circling something, waiting to feel certain, what's actually holding you back?
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Alexander Hecking shared thisWhat Nick said. And one more thing before you call your bank about a mortgage. Don't take investment advice from Germans. Look at the chart. Germany is last. Germans save harder than anyone and own nothing that compounds. My mother is a good example. Her savings went into gold and a Riester pension. Her inheritance went into a house. Gold is more volatile than most people think. Riester is a disaster and we all know it. The house is an ok investment. Ok location, so the land might appreciate a bit. But she bought it with her inheritance instead of leverage, because she has always been terribly afraid of debt. Like most Germans. I was too young to help with those decisions at the time. And she probably wouldn't have wanted to discuss her finances with me anyway. Like most parents. What I would have told her is simple. Buy a rental property in a good location, with debt, and let the tenant pay it off. The rent covers part of the loan, the interest and depreciation cut your income tax, and the property appreciates while someone else is making the payments. Not a house in the countryside an hour from work because that was what she could pay for in cash. You can't change the past. You can make smarter decisions going forward. If you want to learn more about the return and cashflow calculation of rental properties go to Financemate.de and click on the scenario planner.Alexander Hecking shared thisHow can Germany be the 3rd richest country? But its people be so poor? The answer: Renters don’t build wealth. Homeownership in Germany is the lowest in the world next to Switzerland at 45%. Germans are risk averse, and don’t see apartments as investments. Berlin has less than 18% owner-occupiers. The German tradition of house building is no longer relevant. Construction and land costs are too high. Berlin is trying to fight investors by adding a rental database. I don’t see a problem with transparency. I do see a problem with solving the wrong problem. In Germany, you need anywhere from 8-11% upfront costs and then you have a 100% loan. In the Netherlands, first time homebuyers under 35 get tax relief. It’s so painfully obvious that the property transfer tax is a hugely expensive mistake. Germany will now have to fund all these renters in retirement. The same renters won’t be able to afford their rents even with government help. Germany has to make homebuying easier. Prices will continue to rise in cities. Houses in rural areas will most likely stagnate. If you still haven’t bought an apartment in Berlin, remember you can always rent it out if you decide to leave. Being a landlord: a concept Germany has made way too attractive. Germany is lopsided. I can’t fix it. But I can tell you to start small and get on the property ladder. If not, youll unfortunately be left behind.
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Alexander Hecking posted thisOptimising for two things usually means it gets too complicated to take action, and in the end nothing happens. We see this a lot with clients considering to buy property. They start to look into it, and then they read that it would make more financial sense to rent it out. They have a really hard time deciding what they actually want to achieve by buying an apartment. In their mind it makes sense to buy a place to live in now, and if they move to another city later, they just keep it and rent it out. This works in theory. In practice it's difficult enough to find an apartment you like: size, location, orientation of the balcony etc. The other part is financing. The conditions for getting a mortgage as a homeowner or as a landlord are different. As a homeowner, debt is a cost and you try to reduce it fast: as much equity as you can afford, plus Sondertilgung (the optional extra repayment) at the end of the year. As a landlord, the interest is tax deductible. That reduces the pressure to pay off the property fast. You can use your equity somewhere else and relax, because the costs reduce your income tax burden. I am not saying rental properties are generally better than homeownership. I am just saying that finding either one is difficult enough. Combining the requirements for both into one apartment makes the search exponentially harder and more frustrating. If you want an apartment as a home and you are also interested in rental properties, I would keep them separate and talk to your bank about what's feasible for you. At Financemate we focus on apartments that already generate rental income from day one. Banks like that, which makes financing easier. It also helps if you want to buy a home for yourself as well, or grow a portfolio of rental properties faster. For me, mixed use usually means someone isn't yet clear on their motivation for buying property, or they haven't experienced the difficulty and downsides yet. I don't want to shame anyone who is considering mixed use. My co-founders Karim Beltaji and Augusto Gesualdi bought their own homes in Berlin without knowing about the tax benefits of rental properties, and thought about it the same way. I just want to create awareness, so you clarify your motivation for buying property. Happy to hear your thoughts on mixed use.
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Alexander Hecking shared thisI was never a fan of real estate. Till recently. Strange thing to admit, given that my company, Financemate, helps people buy real estate as an investment. So why wasn't I a believer? Two reasons: The numbers never excited me. Gerd Kommer's data across 11 countries and 118 years put the real total return of residential property, after costs and without leverage, at just 2.4% a year. Barely ahead of inflation. And then there was my dad. He inherited an apartment building from his parents. Didn't raise rents for 12 years. Never tracked what he earned, what he spent, or what he actually made. He had no idea what the building was returning. It was just... there. I couldn't show him his return, because there was no data. But I could show him what he'd have made if he'd sold 20 years earlier and put the money in the stock market. He sold. I don't think he's regretted it. At least not on the numbers. So what changed for me? Four years ago I learned how the tax benefits of investment properties actually work. No joke. Most Germans have no idea. Nobody teaches this. And nobody talks about it, because talking about your investments here looks like bragging. So depreciation on rental property stays a secret hiding in plain sight. To be clear: taxes should never be why you invest. Tax law changes. Your situation changes, and you might even move abroad. But the right tax treatment can turn a decent investment into a serious one. Because when you combine leverage with a lower income tax bill, probably your biggest expense, real estate becomes one of the strongest wealth-building tools available. If you want to see how the leverage and the tax side actually work, or analyze a property you found on ImmoScout, from a broker, or a developer, create a free account on financemate.de. See you there.
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Alexander Hecking shared thisI hated Berlin the first two times I visited. I was a teenager. We did museums, Brandenburger Gate, Museumsinsel, the East Side Gallery. For some reason we ended up at Potsdamer Platz. The whole city felt soulless to me. Check out the map. It shows every geotagged photo. Red means the photographer was visiting. Blue means they live here. The red is a line. Charlottenburg through Tiergarten, Brandenburger Gate, Unter den Linden, Museumsinsel, Alexanderplatz. That's the exact route I walked as a teenager. I thought I was seeing Berlin. I was seeing at best two percent of it. Personally, I think the separation between tourists and locals in Berlin is a blessing. Berlin is big enough that you don't see tourist cues on every street. In the Kieze you're not constantly competing for a table, a seat, a spot on the pavement. The postcard corridor absorbs the visitors and leaves the rest of the city to the people in it. I am spending a lot of time in Lisbon and it works differently there. Tourists and residents compete for the same cafe same restaurant. You feel it. How was your first time in Berlin? Curious whether you stayed in the tourist lane or is you explored the Kieze. Map by Eric Fischer, Locals and Tourists series. Base map OpenStreetMap, CC-BY-SA. Link in the comments.
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Alexander Hecking posted thisWhich insurance do you have to get as a new landlord? 𝗡𝗼𝗻𝗲. But here is the list that I give my clients when they ask which they should consider: Number 1: Vermieterrechtsschutz (landlord legal protection). Number 2: Mietausfallversicherung (lost rent cover). An eviction lawsuit alone can cost anywhere around €3,000 to €8,000 and take over a year. Mietausfall typically covers 3 to 6 months of Kaltmiete plus Nebenkosten if a tenant stops paying or the unit gets damaged. Rechtsschutz policies usually have a 3-month Wartezeit before coverage starts. Get that one early if you want to make sure you are covered from the start of the rental period. Whether to get either is a preference call. Can you cover the cost yourself, and does the policy let you sleep better either way. One more could be interesting if you have a spouse: Risikolebensversicherung (term life insurance to cover the mortgage). Make sure the setup is correct. With the wrong setup you might end up paying inheritance tax on the insurance payout. The keyword here is "über Kreuz" structure. What about Gebäudeversicherung (building insurance) and Grundbesitzerhaftpflicht (owner liability)? Isn't that super important? Buying into a WEG usually means your Hausgeld already covers both. That's the list. And here are some things I would recommend to double check: 1) does the building policy include Elementarschäden, 2) does your own Haftpflicht extend to a rented-out apartment, 3) and does your tenant carry Haftpflicht for damage they cause. Who pays and is it tax deductable? Gebäudeversicherung and Grundbesitzerhaftpflicht get passed to the tenant through Nebenkosten. Rechtsschutz and Mietausfall don't. They protect you, not the building. They are deductible as Werbungskosten on your tax return. Risikolebensversicherung isn't. That one's on you. No insurance is legally required as a landlord. It's entirely risk preference. Anyone here had the pleasure of making a claim already?
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Alexander Hecking shared thisThought about buying property in Germany? Think again. Compared to several of our European neighbours, Germany offers one of the least favourable tax environments for homeowners. That’s because many other countries actively incentivise home ownership. Germany, by contrast, primarily incentivises rental property investment. At Financemate, we don’t make the rules but we help our clients understand them and evaluate rental property investments. The summary of the study is in the comments.
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Alexander Hecking reposted thisAlexander Hecking reposted thisUnderstanding all the different parts in buying rental property in Germany isn't that easy... or so it was! We have a new "whiteboard" feature inside our dashboard that makes learning about it a lot more fun and visual than trying to grasp an excel sheet that you have not built. Try it out yourself, it's 2 clicks from creating your free account through here: https://financemate.de/ PS: Proud of Karim for doing more and more videos!
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Alexander Hecking liked thisAlexander Hecking liked thisSeptember will be my most financially successful month since I quit my job a year ago ↴ and yet i feel like I've been FAILING the most 🙃 For example, I've been struggling to grow my LinkedIn community. Not because the members haven't been getting results, they have!! They've been growing, getting more impressions than ever, getting sooo many content ideas, the feedback is honestly incredible and I am so proud!! But I'm just spreading myself too thin. Took on 4 new clients AND launched a community AND started posting daily to Instagram AND posting 2 times a day on Linkedin AND signed up for Crossfit (can do 5 pullups please someone tell me good job hahah) AND continue to see friends AND went through a breakup AND going to SF and Portugal next (I'm in my travel era, you know?) 😁 But also putting a LOT of pressure on myself to deliver humongous value in the community led to me hosting some months up to 7 live group sessions on top of my other work 😅 I really LOVE doing live workshops. Nothing lights me up more. But 10 people cancelled their subscription for various reasons over the last 3 months. Mostly no time, mental overload, different priorities, not motivated enough, or a few because they learned what they came for (happy about that!!)... The biggest feedback I've gotten? People are overwhelmed. They have a life and there is too much to learn & to do. And I'm actually giving TOO MUCH input!! (who would have thought? lol) So I did the most unscalable, but the most rewarding thing ever: Asked everyone to book a 1:1 feedback call with me. So I can listen and they can tell me what they need. I am 10 calls in now, and have more clarity than ever. TALK TO YOUR CUSTOMERS I always preach that. Yes, it's unscalable. But it's so worth it ❤️ And stay tuned for the re-launch of my LinkedIn Growth Community. Dm me "waitlist" if you wanna be part of the next cohort in November (or join during this transition phase before I increase prices)👇
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Alexander Hecking reacted on thisAlexander Hecking reacted on thisI am angry. Instead of pushing for sovereignty, instead of advocating for European tech, some politicians from Ireland and Germany apparently want us to be slaves to Big Tech and want to give away our own rights and data. According to a leaked draft the Irish Council presidency has proposed that any processing of personal data "in the context of AI" counts as a legitimate interest. No consent. No case-by-case balancing. According to noyb.eu, many member states are on board. Personalized ads without consent? Illegal in the EU today. Personalize those same ads with AI? Suddenly a "legitimate interest." Here's what the proposal would unlock: → Every piece of personal data a company can get its hands on, including from people who were never its customers → Your private social media posts from 15 years ago → Any AI use case, regardless of purpose, because the article legitimizes the technology itself, not what it's used for And Germany wants to go further: a presumption that AI systems are lawful, weaker rights to access or correct your data, and authorities no longer obliged to handle complaints. Meanwhile, only 7% of German Meta users say they want their data used for AI training. Now the part that really gets me as a founder building in Europe. This is being sold as "simplification" for European businesses. It definitely isn't. → Who has decades of hoarded personal data? Not us. → Who has the capital to train frontier models on it? Not us. → Where are almost all US and Chinese AI companies headquartered in the EU? Ireland. The country holding the pen. Please share and spread the word. Instead, they should push for a capital markets union, an energy union and things like EU Inc, not suck up to foreign AI companies. Source in comments.
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Alexander Hecking liked thisAlexander Hecking liked thisyesterday a founder booked a demo call with me and I learned that he has been reading my emails for over a year!! never interacted with any of my posts because he has stopped using LinkedIn months ago Why he booked a call is because he was like "ok now time to finally build my personal brand" and maria's advice has been helpful and I just love that love my email peeps (if you've been reading too, do say hi below haha it feels so anonymous sometimes to post, most people don't reply to emails 🥺) thank you for reading – I am a bit more consistent now I promise my whole newsletter strategy is: whenever I have time, I address one pain point you might be facing with linkedin and give my advice. that's it that's the strategy haha feel free to steal ps if you wanna subscribe you can do so here marialeden(dot)com 🫶
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Alexander Hecking liked thisAlexander Hecking liked thisToday, we’re celebrating Anne-Sophie Lenoir, PhD following the Berlin elections! 💜💛 Sophie joined our second ELECTA Live while preparing to run on the Volt Berlin list for the local assembly in Charlottenburg-Wilmersdorf. Her mission was clear: to represent the 30,000 EU citizens living in her district. This was Sophie’s first campaign — and her first experience in politics. Over nine months, she wrote programme chapters, worked on communications and strategy, and experienced first-hand how much democracy depends on people dedicating their evenings and weekends. As Sophie puts it: “What I enjoyed most was working with a really committed team and seeing the ideas we’d debated turn into posters on the street! In the end, it came down to just 34 votes (in a district with almost 350,000 residents), which goes to show that every conversation matters.” Anne-Sophie helped Volt achieve 3.02% locally, securing Volt’s first seat in the local council in Charlottenburg-Wilmersdorf — the result her team had been working towards. At ELECTA, we’re proud to have supported Sophie throughout this journey, from her first steps into campaigning to election day. 💜💛 We’re looking forward to following her continued political journey — and to seeing what comes next! #ELECTA #Berlin #EuropeanCitizens #LocalDemocracy #PoliticalParticipation #Volt
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Alexander Hecking reacted on thisAlexander Hecking reacted on thisNailed it! Somebody just used Rick and Morty to explain Jev AI better than any product demo ever could 👏😂 AI-generated explainer clips might soon become their own category. Absolutely brilliant. P.S. also check out How to Use Jev AI: The Complete Guide to TypeSafe's System One Model 🤖: https://lnkd.in/dxNeiCaA
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Alexander Hecking liked thisAlexander Hecking liked thisWir haben Berlin lila gefärbt. Das ging nur mit der Hilfe unzähliger engagierter Voltis, die die Kampagne auf die Straße gebracht haben: ✍️ Unterschriften sammeln, 🗯️SprayKreide-Aktionen, 🖼️ Plakate hängen, 📋 Flyer verteilen, 🤝 unzählige Meet & Greets und Bezirkstreffen. Und natürlich die ganze Organisation und Umsetzung im Hintergrund. 🙏 Danke an alle, die mit Herzblut, Inspiration und einer beeindruckenden Ausdauer mitgewirkt haben. 💜 #VoteVolt #Volt #Berlin #unfuckberlin #unfckberlin
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Alexander Hecking liked thisUnsere nächste Schlüsselrolle ist besetzt 🤩 Ein Unternehmer wird Founding Platform Lead bei Lucid Labs: Stephan Akrong. Stephan hat 2017 ein B2B-SaaS-Unternehmen im HR-Tech gegründet und es von der ersten Codezeile bis zur Marktreife geführt. Neun Jahre lang trug er die Gesamtverantwortung - für Produkt und Technik genauso wie für Vertrieb und Team. Und er hat Kunden gewonnen wie trivago, Hornbach, Borussia Dortmund, Prada, Sanofi und Check24. Besonders spannend war für uns aber, wie er arbeitet. Unsere Case Study verlangt weder eine Präsentation noch einen Businessplan. Stattdessen sollten alle Kandidaten ihre vollständige KI-Chat-Historie einreichen. Denn wir wollen sehen: Wie denkt und arbeitet jemand mit KI? Stephan war der Einzige im gesamten Feld, der einen echten Dialog geführt hat. Er hat die KI aktiv zum Widerspruch aufgefordert, dagegengehalten, wenn er anderer Meinung war, und Gegenargumente übernommen, wenn sie ihn überzeugt haben. Er behandelt KI als Sparringspartner. Genau so arbeiten wir selbst und genau so bauen wir unsere Produkte. Seine Mission bei Lucid Labs: unseren Blueprint für die KI-Transformation zu einem eigenständigen Produkt weiterzuentwickeln. Stephan übernimmt die Verantwortung für die Plattform. Besetzt hat die Rolle übrigens kein Recruiter, sondern ein gutes Netzwerk (danke an euch!). Willkommen im Team, Stephan. 🥳
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Alexander Hecking liked thisAlexander Hecking liked this"You keep saying 'I love doing what I do, I love doing what I do'." "And that has been inspiring me to really ENJOY posting on LinkedIn. I posted 5 times last week, which was a first for me." Who is cutting onions here?? 🥲 One of my community members made me tear up 🥺 (huge shoutout to Tanushri Pal Chowdhury who has been absolutely slaying it on here!! <3) I'm currently working on revamping my LinkedIn Growth Community. Everything: from the amount of live sessions, resources, tiers, cohorts, gamification... EVERYTHING. So I'm interviewing community members. 15-30 minute calls where I just listen to learn how to support them better in the future and continue to create a fun, motivating, wholesome space. Feedback can be scary. But when the people giving it genuinely care and want to stay... it's much less scary, I've learned. And it's INCREDIBLY helpful and has given me so much clarity. I really love what I do. And I am so SO grateful for the people I get to support on their LinkedIn / visibility journey and beyond 🥺 The fact that Tanu noticed that I keep saying it all the time says a lot, I think. I want to teach everyone how to grow on LinkedIn and ENJOY it. Not just be here for the sake of being here ❤️
Experience
Education
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Maastricht University School of Business and Economics
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Identifying marketing actions that drive financial performance
Finance often focuses on the ‘technical’ pre-conditions for the success of an organisation or financial product and ignores the ‘target’ from a marketing perspective, which focuses on stakeholder needs. By bringing the finance and marketing approaches together, this unique track shows how you can create an environment in which both financial performance and customer value can be integrated. -
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Licenses & Certifications
Courses
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Accounting
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Behavioural Finance
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Consumer Behaviour
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Corporate Governance
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Customer Analysis
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Economic Psychology
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Economics and Business
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Finance
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Finance & Accounting
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Financial Product Development
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Fundamentals of Supply Chain Management
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Global Business
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Global Supply Chain Management
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Human Resource Management
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Institutional Investors
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Investment Analysis and Financial Management
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Management of Information Systems
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Management of Organizations
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Management of Organizations and Marketing
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Management of Organizations and Product Development
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Marketing Management
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Negotiations and Bargaining
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Operations Management
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Organisational Effectiveness
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Purchasing and Materials Management
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Quantitive Methods I
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Quantitive Methods II
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Quantitive Methods III
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Research for Marketing Decision-Making
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Shareholder Value and Market Based Assets
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Spreadsheets
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Strategic Management
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Strategy
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Languages
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English
Full professional proficiency
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German
Native or bilingual proficiency
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Wilco LLC
“Uptober” Didn’t Happen This Year 💱 Historically, October has been one of Bitcoin’s best months, with an average price gain of around +20% between 2013 and 2024 (with only two down years in 2014 and 2018). That’s why investors even came up with the term “Uptober.” But October 2025 broke the trend. Bitcoin fell by roughly 4%, marking one of its weakest October performances in a decade. The sharp drop on October 10 (BTC price was down by 10%) followed Donald Trump’s announcement of new 100% tariffs on Chinese imports and export controls on key software, effective November 1. 📉 The news triggered a global risk-off move, hitting equities, commodities, and especially crypto as one of the most leveraged and sentiment-driven asset classes. And although equities have since rebounded, Bitcoin’s rally has paused. Once again, Bitcoin reminded investors that historical patterns don’t guarantee future results. #Crypto
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Cephas Ndubueze
Hey Berlin 🎾 - founders, investors, and movers of the city’s tech & business scene: here’s your can’t-miss event lineup for the week 🚀 👇 Feel the city’s pulse in the latest FOMO Berlin Newsletter. Link in comments! Tuesday: SET Tech Festival 2026 ⚡🌍 | 9:30 AM – 7 PM: Global leaders, startups, and investors meet to explore energy innovation, climate tech, mobility solutions, and partnerships driving the transition. Start Up Energy Transition (SET). Businettes Apéritif: Female Founders Night 👩💼🥂 | 6 – 10 PM: Female founders gather for talks, startup pitches, networking and inspiration, sharing experiences, ideas and support to grow businesses together. Businettes Who Gets to Own the Future? OCC & Marvelous at CODE University 🌐 | 6:30 – 9 PM: Experts discuss democratizing investment, expanding capital access, and how technology, policy, and communities reshape venture capital and private markets. Dr. Julia Koehn. Wednesday: Transform 2026 Digital Transformation Summit 💻 | 9 AM – 6 PM: Two-day B2B conference exploring digital transformation, innovation, AI, and future business strategies with industry leaders, speakers and networking. Transform Reaktor Demo Day 2026 🚀 | 11 – 6 PM: Exclusive startup pitches, investor networking, and panels on entrepreneurship, impact, and innovation for Berlin’s tech ecosystem. REAKTOR BERLIN, Katharina Beitz, Mirco Dragowski, Sascha Schubert. Masterclass: Mastering Stress as a Founder 💼🧘| 4 – 5 PM: Founders learn science-based strategies, somatic exercises and leadership insights to understand, manage and transform stress into healthier decision-making. The Delta. Thursday: Urban Innovation Forum 2026 🏙️ | 9:30 AM – 8:00 PM: One of Europe’s leading gatherings on the future of cities returns to CIC Berlin, bringing together 350+ founders, investors, corporates and public sector leaders. FOMO Berlin readers get 20% off tickets with our community link. Climate Tech Hub e.V., Sebastian Ulm, Nicole Hiltl, Katharina Beitz. German Cloud with STACKIT ☁️ | 11:15 AM – 12 PM: Webinar on sovereign cloud migration, strategy, and practical learnings from the KUNO project with STACKIT experts. SIBB - Digital Association of Berlin-Brandenburg. Saturday: Cultural Capital I – Private Art Salon 🧠 | 6:30 – 9 PM: Exclusive salon exploring art, ownership, culture, and technology through intimate conversations with founders, artists, and creative thinkers. Agata Lewandowska-Mista, Orsolya-Maria Pászkán. Sunday: Awen Synesthesia Series Vol. 3: Viola Duo 🎻 | 4 – 7 PM: Duet concert with two violas paired with curated scents, exploring dialogue between sound, fragrance, and emotion. Kai Oliver Goldmann. 👇 Link to the FOMO Berlin Newsletter in the comments. Please comment if we missed any events! xoxo FOMO247 - with over 10000 readers in Berlin and 1500+ readers in Munich, is one of the best places to reach the business and tech communities in Berlin and Munich.
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Louisa Scholz
Lesson #18: How to stay alive as a Female Founder in Berlin 6 months in - here are my biggest 6 learnings building a women-first insurtech 🧠 1️⃣ You are only as good as your team. A company is never built alone. People carry you - emotionally, strategically, operationally. Sometimes with deep expertise. Sometimes just with the right conversation at the right moment. 2️⃣ The first real customer changes everything. The moment you truly help someone - not just pitch, not just test, but actually solve a real problem - something shifts inside you. It becomes real. And suddenly the long nights, the doubt, the chaos… make sense. 💜 3️⃣ Founder life is not a sprint. It’s not even a marathon. Some days you’re a speedboat 🚤 Some days you’re a little worm trying to move one meter forward 🐛 Both are part of the journey. 4️⃣ There is almost never just one solution to a problem. Frustration is often the beginning of better solutions. When something cannot be solved the obvious way, you are forced to think differently. And that is often where the real ideas emerge. 5️⃣ Your emotions and your health are your biggest assets. Not your deck. Not your funnel. Not your revenue. If you are not okay, the company won’t be either. 6️⃣ You start with one toolbox. And again and again you will realize: You don’t yet have the right tool for the next situation. So keep upgrading. Learning. Bringing in people. Expanding your perspective. 🧰 🙋♀️ Biggest takeaway so far: Building a company is not about knowing everything. It’s about being willing to grow continuously. I can’t wait to see what the next 6 months will teach me. #FemaleFounderJourney #SoloFounder #FounderLife #StartupReality #InsurTech #WomenInBusiness #BuildInPublic #StartupLessons #EntrepreneurMindset #WomenFirst #HealthTech
5 Comments -
Upvest
𝐎𝐮𝐫 𝐀𝐏𝐈 𝐝𝐨𝐜𝐮𝐦𝐞𝐧𝐭𝐚𝐭𝐢𝐨𝐧 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐀𝐥𝐭𝐞𝐫𝐬𝐯𝐨𝐫𝐬𝐨𝐫𝐠𝐞𝐝𝐞𝐩𝐨𝐭 𝐢𝐬 𝐧𝐨𝐰 𝐥𝐢𝐯𝐞. With 20 AVD go-lives with leading fintechs, financial institutions, and insurance companies, we have already documented and made public how to launch a modern German pension offering. Our API docs cover in full detail: ✅ 𝐔𝐬𝐞𝐫 𝐚𝐧𝐝 𝐚𝐜𝐜𝐨𝐮𝐧𝐭 𝐨𝐩𝐞𝐧𝐢𝐧𝐠: prerequisites, onboarding, tax wrapper and account creation, allowance events, and more ✅ 𝐀𝐜𝐜𝐮𝐦𝐮𝐥𝐚𝐭𝐢𝐨𝐧 𝐩𝐡𝐚𝐬𝐞: eligible securities, funding, trading in the pension account, and distributions ✅ 𝐁𝐨𝐧𝐮𝐬 𝐦𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭: applications for the various bonus types, retrieving and adjusting permissions, bonus payments, and tax pots ✅ 𝐏𝐞𝐧𝐬𝐢𝐨𝐧 𝐭𝐫𝐚𝐧𝐬𝐟𝐞𝐫𝐬: moving in existing Riester or pension accounts, and transfers between providers ✅ 𝐏𝐚𝐲𝐨𝐮𝐭 𝐩𝐡𝐚𝐬𝐞: lump sum payments, payout plans, and the glide path into retirement Germany's Altersvorsorgedepot is set to be one of the biggest shifts in European retirement investing in decades. While the market is still figuring out how to build this, our clients can start integrating today. Read the full API docs here: 👉 https://lnkd.in/drt2HCDX
1 Comment -
BF.capital GmbH
🌐 Private Debt 2030 – Harnessing Structural Growth with BF.capital GmbH Preqin’s latest outlook signals a structural step-change for private credit: assets under management (AuM) are projected to more than double from $2.1 tn in 2024 to $4.5 tn by 2030 📈. Direct lending alone is set for an 11.2 % CAGR, taking strategy-specific AUM to roughly $1.7 tn over the same horizon. 🔑 What’s driving the momentum? -New, more-liquid fund formats are expanding the investor base while supporting AUM growth. - Bank disintermediation is accelerating; strategic partnerships between lenders and private-credit managers are opening fresh deal flow for direct lending. - Policymakers are actively encouraging private-market allocations - from US 401(k) plans to Europe’s ELTIF 2.0 - broadening demand beyond traditional buyers. - Investor conviction is strong: 92 % intend to maintain or increase their allocations, and 94 % say returns have met or exceeded expectations. Opportunistic pockets are growing fast: distressed fundraising could reach $47 bn and mezzanine & special-situations $73 bn by 2030. - The market is already scaling: global private-debt AUM hit ~$1.8 tn in 2024 and is on track for $2 tn in 2025 - Direct lending captured >70 % of all capital raised by Q3 2024 Real-estate-backed credit is flourishing—witness Blackstone’s $8 bn raise for its latest real-estate debt vehicle in March 2025 🏢 How BF.capital GmbH is positioned 1) Real Estate Debt Direct Lending: Origination of senior-secured/whole loans on high-quality German properties, delivering predictable cash flows backed by strong collateral. 2) Private Debt Fund-of-Funds: A multi-manager platform providing broad strategy and vintage diversification, steady cash yields, reduced single-manager risk, and transparent reporting, combining senior secured direct lending with complementary capital and special situations strategies to build resilient, income-focused portfolios aligned with long-term liabilities. Our integrated approach unites rigorous bottom-up credit underwriting, close partnerships with best-in-class underlying fund managers, strategic bank relationships, and dynamic portfolio construction, ensuring every allocation is tuned to investors’ specific risk-return and reporting requirements. 🤝 Ready to explore how a bespoke private-credit allocation can enhance yield, limit duration risk and align with long-term liabilities? Let’s connect. #PrivateDebt #DirectLending #RealEstateDebt #FundofFunds #InstitutionalInvestors #AlternativeInvestments #BFcapital #Placecap (For professional investors only. Past performance is not indicative of future results. No offer or solicitation is intended.)
2 Comments -
Mouseflow
Versicherungen mit Kopf (eine Marke der VMK Versicherungsmakler GmbH) built massive reach on Instagram/YouTube/TikTok...but reach alone doesn’t book consultations. They used Mouseflow to turn traffic into action by identifying friction inside their booking funnel. 🚀 The result? Less drop-off and a +20% higher funnel conversion. Full case study in the comments. 👇
2 Comments -
Almpact ltd
67% of leads respond in the first 5 minutes or never again. This isn't a marketing myth. This is insurance sales in 2026. The problem: your team is in another call at 2:47pm. The lead came in at 2:45. By 2:52 they're gone. What works: → AI agent responds instantly to inquiries (web, WhatsApp, email) → Qualifies: insurance type, existing coverage, willingness to switch → Books directly with the right advisor → No more cold leads. only warm, qualified conversations 67% of the leads you're losing today could be closed deals tomorrow. 👉 https://lnkd.in/erzcx_rB #Insurance #AIAgent #LeadQualification #AIAutomation #Sales
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Daniel Hanemann
wundertaxAPI: Powering tax solutions on your platform! After successful integrations with Vermietet.de (von ImmoScout24) and other partners for the property tax return, we’re excited to open up our income tax software as an API! Our mission has always been to make taxes simple and now with the experience of over 1 million submitted tax returns, we are extending that capability to other platforms. With our API, partners can seamlessly integrate digital tax filing directly into their own products, offering customers a smooth and compliant (pre-filled!) tax submission experience without leaving their app. Think of the recent eSIM providers in neobanks! We're currently running a few pilots and are looking for more to test it: 💡 B2C platforms that want to simplify taxes for their users 💳 Fintechs & Insurtechs that want to enhance their product offerings (you already have most of the data needed) 🧾 Taxtech and Accounting providers that want to speed up time-to-market with a proven tax engine. If you’re building something where taxes play even a small role, let’s talk!
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