Official statistics and authorities
- Federal Statistical Office (Destatis) · Life expectancy, mortality tables, income distribution, consumer price index. destatis.de
- Federal Ministry of Labour and Social Affairs (BMAS) · Pension level, pension adjustments, annual pension insurance report. bmas.de
- Deutsche Rentenversicherung (DRV) · Average pensions, standard pensioner, annual pension statement. deutsche-rentenversicherung.de
- Deutsche Bundesbank · Capital market rates, household balance sheets, monthly reports. bundesbank.de
- European Central Bank (ECB) · Inflation, key interest rates, monetary policy decisions for the euro area. ecb.europa.eu
- BaFin (Federal Financial Supervisory Authority) · Regulatory framework, investor information. bafin.de
Market and fund data
- Morningstar · Fund analysis, index data (including Morningstar Global Next Generation Artificial Intelligence Index). morningstar.de
- JustETF · ETF master data, expense ratios, replication methods, fund size. justetf.com
- PRIIPs Key Information Documents (KIDs) · Risk indicators, cost breakdowns, performance scenarios, directly from respective ETF issuers (Xtrackers, WisdomTree, Amundi, iShares among others)
- MSCI · Index composition for MSCI World, MSCI Emerging Markets, MSCI Robotics & AI. msci.com
- FTSE Russell · Index composition for FTSE All-World, FTSE Developed. ftserussell.com
Expert and business publications
- Handelsblatt · German financial and business news. handelsblatt.com
- Tagesschau · Business reporting from ARD. tagesschau.de
- Deutsche Welle (DW) · Business news in German and English. dw.com
- Finanztest / Stiftung Warentest · Retirement product comparisons, cost analyses. test.de
- Finanztip · Independent guidance on investing and retirement. finanztip.de
Live news on this site
The headlines shown in the news section are drawn from the public RSS feeds of the following outlets: Handelsblatt, Tagesschau, Deutsche Bundesbank, European Central Bank, Deutsche Welle. Feeds are fetched hourly and cached server-side. Every click on a headline leads to the original article at the respective provider. Silberpfad does not reproduce editorial full texts.
Methodology for calculation examples
Calculation examples in our articles (pension gap, ETF terminal wealth, withdrawal rates) use historical average returns with transparently stated assumptions. Examples are illustrations, not forecasts. The four-percent rule (safe withdrawal rate) originates in the Trinity Study (Cooley, Hubbard, Walz 1998) and subsequent updates.
Images and fonts
Images: Unsplash License (free commercial use). Typefaces: Instrument Serif and Inter, served via Google Fonts under Open Font License.
Last updated: 2026-04-23