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

100
0.00
0.06

Geldanlage

100
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 ¹

Consultation & Support

Service hotline

Personal consultation via callback

Depot change service

Personal contact person

External depot check

Financial and retirement planning

Personal

Finance Coach

Goal-based investing with subaccounts

Personalised recommendations via app

Investment tips via newsletter

Quarterly reports

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 ²

Reduced fee (from €1 million)

Internal ETF product costs (TER)

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

Convince for yourself

With or without an investment goal. Create a
free investment proposal in just a few minutes

¹ The indicated return of 8.66% per annum refers to the historical performance of the investment strategy "Global 10" over the period from 01.01.2016 to 30.09.2024. Please note that investing involves risks, and past performance is not indicative of future performance. The value of your investment may go down or up. There may be losses of the capital invested. The return figure is stated before tax and service fees.

² 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.

¹ The indicated return of 8.66% per annum refers to the historical performance of the investment strategy "Global 10" over the period from 01.01.2016 to 30.09.2024. Please note that investing involves risks, and past performance is not indicative of future performance. The value of your investment may go down or up. There may be losses of the capital invested. The return figure is stated before tax and service fees.

² 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.

¹ The indicated return of 8.66% per annum refers to the historical performance of the investment strategy "Global 10" over the period from 01.01.2016 to 30.09.2024. Please note that investing involves risks, and past performance is not indicative of future performance. The value of your investment may go down or up. There may be losses of the capital invested. The return figure is stated before tax and service fees.

² 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.

¹ The indicated return of 8.66% per annum refers to the historical performance of the investment strategy "Global 10" over the period from 01.01.2016 to 30.09.2024. Please note that investing involves risks, and past performance is not indicative of future performance. The value of your investment may go down or up. There may be losses of the capital invested. The return figure is stated before tax and service fees.

² 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.