Our services and fees at a glance
All-in service fee
All-in service fee
Fair and transparent fees for a professional service.
0.30% p.a.
0.30% p.a.
0.30% p.a.
Ginmon
TopZins
0.75% p.a.
0.75% p.a.
0.75% p.a.
All Investments
except TopZins
Transparent costs with tax advantage
Geldanlage
0.00 €
0.06 €
Geldanlage
0.00 €
0.06 €
daily
monthly
Ginmon service fee excluding ETF costs of 0.75% per annum or 0.60% per annum from €1,000,000 investment
Our service fee covers all costs associated with account management and transactions. This allows us to guarantee a 100% independent selection of investment components without commissions.
+21.7%
Gross yield
Net returns without
apeironenhace
+15.6%
+21.7%
Net yield with
apeironenhace
+21.7%
Gross yield
Net returns without
apeironenhace
+15.6%
+21.7%
Net yield with
apeironenhace
+21.7%
Gross yield
Net returns without
apeironenhace
+15.6%
+21.7%
Net yield with
apeironenhace
+21.7%
Gross yield
Net returns without
apeironenhace
+15.6%
+21.7%
Net yield with
apeironenhace
Unique tax optimization
for higher returns
Unique tax optimization
for higher returns
Unique tax optimization
for higher returns
Investment income is automatically realized up to the amount of the saver's lump sum. This means that no tax-free amounts are given away and the net return is increased.
Investment income is automatically realized up to the amount of the saver's lump sum. This means that no tax-free amounts are given away and the net return is increased.
Investment income is automatically realized up to the amount of the saver's lump sum. This means that no tax-free amounts are given away and the net return is increased.
Yearly tax savings potential
For individuals
€279.95
based on
€1000
For individuals
€279.95
based on
€1000
For individuals
€279.95
based on
€1000
For couples
€559.90
based on
€2000
For couples
€559.90
based on
€2000
Service table
Portfolio management
Globally diversified portfolio
Automated smart rebalancing
Automated ETF Optimization
Active risk management
Automated tax optimisation
Sustainable options
Expected return*
Invest
8.66% p.a.
TopZins
3.23% p.a.
VL
8.66% p.a.
Junior
8.66% p.a.
Motive
Individual
Individual
Individual
Individual
n/a
Individual
Company
n/a
8.66% p.a.
Invest
8.66% p.a.
TopZins
3.23% p.a.
VL
8.66% p.a.
Junior
8.66% p.a.
Motive
Individual
Individual
Individual
Individual
n/a
Individual
Company
n/a
8.66% p.a.
Invest
8.66% p.a.
TopZins
3.23% p.a.
VL
8.66% p.a.
Junior
8.66% p.a.
Motive
Individual
Individual
Individual
Individual
n/a
Individual
Company
n/a
8.66% p.a.
*Return indication based on the actual yield before costs of the investment strategy Global 10 for the period 01.01.2016 - 30.09.2024.
Consultation & Support
Service hotline
Personal consultation via callback
Depot change service
Personal contact person
External depot check
Financial and retirement planning
Invest
from
€50,000
from
€250,000
from
€250,000
TopZins
from
€50,000
from
€250,000
from
€250,000
VL
from
€50,000
from
€250,000
from
€250,000
Junior
from
€50,000
from
€250,000
from
€250,000
Motive
from
€50,000
from
€250,000
from
€250,000
Company
Invest
from
€50,000
from
€250,000
from
€250,000
TopZins
from
€50,000
from
€250,000
from
€250,000
VL
from
€50,000
from
€250,000
from
€250,000
Junior
from
€50,000
from
€250,000
from
€250,000
Motive
from
€50,000
from
€250,000
from
€250,000
Company
Invest
from
€50,000
from
€250,000
from
€250,000
TopZins
from
€50,000
from
€250,000
from
€250,000
VL
from
€50,000
from
€250,000
from
€250,000
Junior
from
€50,000
from
€250,000
from
€250,000
Motive
from
€50,000
from
€250,000
from
€250,000
Company
Personal
Finance Coach
Goal-based investing with subaccounts
Personalised recommendations via app
Investment tips via newsletter
Quarterly reports
Invest
Up to 10
TopZins
Up to 10
VL
Up to 10
Junior
Up to 10
Motive
Up to 10
Company
Up to 10
Invest
Up to 10
TopZins
Up to 10
VL
Up to 10
Junior
Up to 10
Motive
Up to 10
Company
Up to 10
Invest
Up to 10
TopZins
Up to 10
VL
Up to 10
Junior
Up to 10
Motive
Up to 10
Company
Up to 10
Conditions
Minimum investment
Savings plan
Depot tour
Deposits and Withdrawals
Transaction costs
Change of strategy
Depot facility or closure
Output surcharges or commissions
Performance fees
Kickbacks or rebates
Mindestlaufzeit
Service fee
Reduced fee (from €1 million)
Internal ETF product costs (TER)
Invest
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
from 0.13%
TopZins
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.30%
0.30%
from 0.10%
VL
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
from 0.22%
Junior
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
from 0.13%
Motive
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
Dependent
Company
from
€250,000
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.63%
plus VAT0.50%
plus VATfrom 0.13%
Invest
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
from 0.13%
TopZins
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.30%
0.30%
from 0.10%
VL
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
from 0.22%
Junior
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
from 0.13%
Motive
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
Dependent
Company
from
€250,000
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.63%
plus VAT0.50%
plus VATfrom 0.13%
Invest
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
from 0.13%
TopZins
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.30%
0.30%
from 0.10%
VL
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
from 0.22%
Junior
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
from 0.13%
Motive
None
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.75%
0.60%
Dependent
Company
from
€250,000
from €1
€0
€0
€0
€0
€0
€0
€0
€0
None
0.63%
plus VAT0.50%
plus VATfrom 0.13%
As part of the introduction of Ginmon TopZins, Ginmon is temporarily lowering the service fee for Ginmon TopZins by 0.45% p.a. to 0.30% p.a. In addition, Ginmon is reducing service fees for all other investments by 0.15% p.a. to 0.60% p.a. as part of the fee reduction for large volumes (combined investment volume starting from €1 million). Ginmon reserves the right to change or discontinue the fee reduction at any time.
Any questions?
What is Ginmon?
Spelling: [ɡin moɴ]
Ginmon means "silver gate" in Japanese and is an independent WealthTech (Digital Asset Manager) founded in December 2014, consisting of a team of dynamic IT and finance experts.
Our goal is to provide an independent, automated, highly diversified and highly scientific investment for you, so that you can save money and time. Together we will find the way through the silver gate to the well-deserved prosperity for your financial goals.
“Many people overlook the silver lining because they are waiting for gold.”
(Maurice Setter)
What does Ginmon offer me?
Ginmon offers a transparent and fully automated investment solution that enables you to invest your saved wealth cost-effectively into established investment forms with a clear investment strategy and ease of use.
Through user-friendly technology combined with understandable investment products, Ginmon provides a completely new way of investing.
For more information on our investment strategies, please visit our Investment philosophy.
How does the registration process work?
First, you register and answer 8 questions about your investment goals.
This takes less than 3 minutes.
Now you will receive your personalized investment proposal.
Next, you verify your identity via video ident.
You then tell us how you would like to deposit your money into your custody account.
• via SEPA credit transfer
• via recurring SEPA credit transfer
• via SEPA direct debit
As soon as the money arrives, we invest it in your personalised ETF strategy.
Of course, you can change your strategy or deposit at any time, free of charge, or even have all your investments paid out.
What if I want my money? Do I have to wait?
No, you can withdraw your Ginmon deposit when you want.
You can pause your savings plan as often and as long as you want. No extra fees or lock-up periods.
What if Ginmon no longer exists?
Good question! Let's go through the worst-case scenarios.
Case 1 - Ginmon goes bankrupt.
In this very unlikely case, your deposit would remain unaffected.
The custody account is safely held at our partner bank.
Case 2 - The partner bank goes bankrupt.
Don't worry, this is also very unlikely.
In fact, your invested money is completely protected.
In this case, your securities are held in a so called “segregated account” that, in the worst case, is automatically transferred to a partner bank of your choice. Three will be no change to your account, and you will remain invested.
Case 3 - The capital market collapses.
While capital markets are volatile, this is of less concern to the long-term investor.
The global capital market has, without exception, recovered after every crisis and achieved steady 6-7% p.a. returns over longer period of time.
Any questions?
What is Ginmon?
Spelling: [ɡin moɴ]
Ginmon means "silver gate" in Japanese and is an independent WealthTech (Digital Asset Manager) founded in December 2014, consisting of a team of dynamic IT and finance experts.
Our goal is to provide an independent, automated, highly diversified and highly scientific investment for you, so that you can save money and time. Together we will find the way through the silver gate to the well-deserved prosperity for your financial goals.
“Many people overlook the silver lining because they are waiting for gold.”
(Maurice Setter)
What does Ginmon offer me?
Ginmon offers a transparent and fully automated investment solution that enables you to invest your saved wealth cost-effectively into established investment forms with a clear investment strategy and ease of use.
Through user-friendly technology combined with understandable investment products, Ginmon provides a completely new way of investing.
For more information on our investment strategies, please visit our Investment philosophy.
How does the registration process work?
First, you register and answer 8 questions about your investment goals.
This takes less than 3 minutes.
Now you will receive your personalized investment proposal.
Next, you verify your identity via video ident.
You then tell us how you would like to deposit your money into your custody account.
• via SEPA credit transfer
• via recurring SEPA credit transfer
• via SEPA direct debit
As soon as the money arrives, we invest it in your personalised ETF strategy.
Of course, you can change your strategy or deposit at any time, free of charge, or even have all your investments paid out.
What if I want my money? Do I have to wait?
No, you can withdraw your Ginmon deposit when you want.
You can pause your savings plan as often and as long as you want. No extra fees or lock-up periods.
What if Ginmon no longer exists?
Good question! Let's go through the worst-case scenarios.
Case 1 - Ginmon goes bankrupt.
In this very unlikely case, your deposit would remain unaffected.
The custody account is safely held at our partner bank.
Case 2 - The partner bank goes bankrupt.
Don't worry, this is also very unlikely.
In fact, your invested money is completely protected.
In this case, your securities are held in a so called “segregated account” that, in the worst case, is automatically transferred to a partner bank of your choice. Three will be no change to your account, and you will remain invested.
Case 3 - The capital market collapses.
While capital markets are volatile, this is of less concern to the long-term investor.
The global capital market has, without exception, recovered after every crisis and achieved steady 6-7% p.a. returns over longer period of time.
Any questions?
What is Ginmon?
Spelling: [ɡin moɴ]
Ginmon means "silver gate" in Japanese and is an independent WealthTech (Digital Asset Manager) founded in December 2014, consisting of a team of dynamic IT and finance experts.
Our goal is to provide an independent, automated, highly diversified and highly scientific investment for you, so that you can save money and time. Together we will find the way through the silver gate to the well-deserved prosperity for your financial goals.
“Many people overlook the silver lining because they are waiting for gold.”
(Maurice Setter)
What does Ginmon offer me?
Ginmon offers a transparent and fully automated investment solution that enables you to invest your saved wealth cost-effectively into established investment forms with a clear investment strategy and ease of use.
Through user-friendly technology combined with understandable investment products, Ginmon provides a completely new way of investing.
For more information on our investment strategies, please visit our Investment philosophy.
How does the registration process work?
First, you register and answer 8 questions about your investment goals.
This takes less than 3 minutes.
Now you will receive your personalized investment proposal.
Next, you verify your identity via video ident.
You then tell us how you would like to deposit your money into your custody account.
• via SEPA credit transfer
• via recurring SEPA credit transfer
• via SEPA direct debit
As soon as the money arrives, we invest it in your personalised ETF strategy.
Of course, you can change your strategy or deposit at any time, free of charge, or even have all your investments paid out.
What if I want my money? Do I have to wait?
No, you can withdraw your Ginmon deposit when you want.
You can pause your savings plan as often and as long as you want. No extra fees or lock-up periods.
What if Ginmon no longer exists?
Good question! Let's go through the worst-case scenarios.
Case 1 - Ginmon goes bankrupt.
In this very unlikely case, your deposit would remain unaffected.
The custody account is safely held at our partner bank.
Case 2 - The partner bank goes bankrupt.
Don't worry, this is also very unlikely.
In fact, your invested money is completely protected.
In this case, your securities are held in a so called “segregated account” that, in the worst case, is automatically transferred to a partner bank of your choice. Three will be no change to your account, and you will remain invested.
Case 3 - The capital market collapses.
While capital markets are volatile, this is of less concern to the long-term investor.
The global capital market has, without exception, recovered after every crisis and achieved steady 6-7% p.a. returns over longer period of time.
Any questions?
What is Ginmon?
Spelling: [ɡin moɴ]
Ginmon means "silver gate" in Japanese and is an independent WealthTech (Digital Asset Manager) founded in December 2014, consisting of a team of dynamic IT and finance experts.
Our goal is to provide an independent, automated, highly diversified and highly scientific investment for you, so that you can save money and time. Together we will find the way through the silver gate to the well-deserved prosperity for your financial goals.
“Many people overlook the silver lining because they are waiting for gold.”
(Maurice Setter)
What does Ginmon offer me?
Ginmon offers a transparent and fully automated investment solution that enables you to invest your saved wealth cost-effectively into established investment forms with a clear investment strategy and ease of use.
Through user-friendly technology combined with understandable investment products, Ginmon provides a completely new way of investing.
For more information on our investment strategies, please visit our Investment philosophy.
How does the registration process work?
First, you register and answer 8 questions about your investment goals.
This takes less than 3 minutes.
Now you will receive your personalized investment proposal.
Next, you verify your identity via video ident.
You then tell us how you would like to deposit your money into your custody account.
• via SEPA credit transfer
• via recurring SEPA credit transfer
• via SEPA direct debit
As soon as the money arrives, we invest it in your personalised ETF strategy.
Of course, you can change your strategy or deposit at any time, free of charge, or even have all your investments paid out.
What if I want my money? Do I have to wait?
No, you can withdraw your Ginmon deposit when you want.
You can pause your savings plan as often and as long as you want. No extra fees or lock-up periods.
What if Ginmon no longer exists?
Good question! Let's go through the worst-case scenarios.
Case 1 - Ginmon goes bankrupt.
In this very unlikely case, your deposit would remain unaffected.
The custody account is safely held at our partner bank.
Case 2 - The partner bank goes bankrupt.
Don't worry, this is also very unlikely.
In fact, your invested money is completely protected.
In this case, your securities are held in a so called “segregated account” that, in the worst case, is automatically transferred to a partner bank of your choice. Three will be no change to your account, and you will remain invested.
Case 3 - The capital market collapses.
While capital markets are volatile, this is of less concern to the long-term investor.
The global capital market has, without exception, recovered after every crisis and achieved steady 6-7% p.a. returns over longer period of time.
Convince for yourself
With or without an investment goal. Create a
free investment proposal in just a few minutes
Get the app
Convince for yourself
With or without an investment goal. Create a
free investment proposal in just a few minutes
Get the app
Convince for yourself
With or without an investment goal. Create a
free investment proposal in just a few minutes
Get the app