r/Finanzen rules, stats, and what to post

r/Finanzen is a German speaking community about personal finance and investing. The description says it is about your finances, and it points newcomers to the wiki for first steps in ETF investing. People here discuss saving, investing, ETFs, taxes, and money decisions in daily life. The rules show a community that wants real discussion and not quick questions, because very basic questions belong in the pinned weekly thread or the beginner thread instead of their own posts. Posts and comments must be in German or English, and questions about Switzerland or Austria need a [CH] or [AT] tag in the title. The description also asks members to report rule breaking posts with the report function, which tells you the community actively polices itself.

The rule that decides most marketing outcomes here is “Keine unabgesprochene Werbung”. It bans unsolicited advertising, affiliate and referral links, links to your own blog posts that add no real value, and even asking for such links. Promoting single stocks without context is also not allowed. If you think your material genuinely helps the forum, the rule tells you the path: send a modmail first with a link to it. The second rule to respect is “Anfängerfragen/Low effort”. Very basic questions like which ETF to pick or whether to buy something now are considered already answered, and you are pointed to the beginner thread, the weekly thread, and search instead. “Keine Politik” matters too, because political discussions should be avoided and every post needs a close financial connection. “Keine veränderten Titel” applies if you share press articles, since titles must stay unchanged. “Keine unangemessenen Umfragen” means surveys need approval from the mod team before you post them. “Kein Spam” bans repeated posts and posts that contribute nothing to discussion. Finally, “Nur Deutsch oder Englisch” limits posts and comments to German or English.

A good post here is a genuine contribution to a money conversation, not a pitch. If you are a founder, the safest shapes are a detailed text post with real substance, like a breakdown of a financial topic, a lesson learned from a money decision, or data that helps people decide something. If you want to share your own material, do not post it cold. The advertising rule tells you exactly what to do: send a modmail first with a link and let the moderators judge whether it adds value. Write in German or English, keep a close financial connection, and avoid anything political. If your post answers a question that search cannot easily answer, or adds a detail that changes the decision, it has a real chance. If it reads like a beginner question, move it to the weekly thread instead.

The fastest way to get removed is anything that looks like unsolicited advertising. That includes affiliate links, referral links, customer bring a customer programs, and links to your own blog posts without real added value. Asking for such links is banned too. Promoting a single stock out of nowhere is not allowed. Very basic beginner questions as standalone posts get removed, so use the weekly thread or the beginner thread for those. Political discussions should be avoided, and every post needs a close financial connection. If you link a press article, keep the original title unchanged. Surveys need approval from the mod team before you post them. Individual salary questions and questions about salary negotiations with an employer are not allowed. Crypto discussion is limited to BTC, ETH, LTC, and BCH, with general topics like taxation allowed. Sankey diagrams must be posted as text posts with an explanation. In threads marked [Serious], no jokes or off topic comments. Repeated posts or posts that add nothing to the discussion count as spam. And everything must be in German or English.

What strikes me most is how much of the rulebook exists to protect the quality of discussion, from the unchanged headline rule to the ban on salary questions and the strict crypto list. This is a community that has thought hard about what it does not want, which usually means the people who do show up care a lot. My honest read is that a founder who sends a polite modmail before posting anything promotional will stand out here for the right reasons.