The Association of German Banks took this as an opportunity to conduct two studies to ask teachers about their opinions, the problems they face, and their hopes for the future – using qualitative group discussions and a quantitative survey.

In January 2026, the pre-determined tax basis (Vorabpauschale) for investment funds is once again likely to come as a surprise for many investors – even though it has been an integral part of investment taxes in Germany since 2018. But what is the pre-determined tax basis, and how does it work? This article explains what you need to know.

With our tips and a little bit of discipline, you can make sure you are financially covered, even in an emergency.