on Google & Trustpilot
€400 mill.
Assets Under Management
on Google & Trustpilot
€400 mill.
Assets Under Management
on Google & Trustpilot
€400 mill.
Assets Under Management
on Google & Trustpilot
€400 mill.
Assets Under Management
Those who start earlier achieve more
Driving licence, studying abroad or the first flat... Even with small amounts, the future wishes of your children can be easily financed.
Driving licence, studying abroad or the first flat... Even with small amounts, the future wishes of your children can be easily financed.
Expected return ⌀
8.66% p.a.¹
Investment in equities, bonds, real estate and commodities
Also available as a sustainable option
Automatic risk management
Intelligent tax optimization with an allowance of up to €11,944 per year
Grandparents, relatives and acquaintances can also contribute
All service fee from 0.60% p.a.
Johannes' studies
€16,000
€26,000
Johannes' studies
€16,000
€26,000
Johannes' studies
€16,000
€26,000
Studies
€31,000
Only
€90
per month (16 years) ²
Studies
€31,000
Only
€90
per month (16 years) ²
Studies
€31,000
Only
€90
per month (16 years) ²
Studies
€31,000
Only
€90
per month (16 years) ²
Trip around the world
€8,000
Only
€50
per month (10 years) ³
Trip around the world
€8,000
Only
€50
per month (10 years) ³
Trip around the world
€8,000
Only
€50
per month (10 years) ³
Trip around the world
€8,000
Only
€50
per month (10 years) ³
Tax-optimised or full control. You have the choice.
Account in the name of the child
Personal tax allowance of up to €11,944 per year
Child has access to the money from the age of 18.
Legal guardians required for account opening
Account in your own name
No separate child's tax allowance available
Access and control over the money remains with you
Account opening without legal guardians possible
Our investment strategies
Global Investment
Scientific factor investing
Overweighting of value and small caps
GDP-related weighting of world regions
Green Investment
Stricter sustainability approach
Approximately 70% lower CO2 emissions ⁴
Supports UN Social Development Goals
What our customers say
Ich habe durchgehend positive Erfahrungen mit Ginmon. Eine gute Darstellung eine gute Betreuung per Telefon und E-Mail. Kompetente freundliche geduldige Mitarbeiter. Ich kann Ginmon nur weiter empfehlen. Die Kosten sind absolut gerechtfertigt und im Rahmen
Ariane Roecken
Verified customer review
The robo-adviser is easy to use and has good performance. Junior accounts and VL plans are also possible.
Horst Haung
Source: Google
Investing is straightforward and inexpensive to organize. Ginmon has always been very accessible for questions, and especially the callback service works perfectly. This is particularly relevant when one does not come from the financial world and occasionally needs help understanding what exactly is happening. Overall, I am very satisfied.
Corinna Wagner
Verified customer review
What our customers say
Ich habe durchgehend positive Erfahrungen mit Ginmon. Eine gute Darstellung eine gute Betreuung per Telefon und E-Mail. Kompetente freundliche geduldige Mitarbeiter. Ich kann Ginmon nur weiter empfehlen. Die Kosten sind absolut gerechtfertigt und im Rahmen
Ariane Roecken
Verified customer review
The robo-adviser is easy to use and has good performance. Junior accounts and VL plans are also possible.
Horst Haung
Source: Google
Investing is straightforward and inexpensive to organize. Ginmon has always been very accessible for questions, and especially the callback service works perfectly. This is particularly relevant when one does not come from the financial world and occasionally needs help understanding what exactly is happening. Overall, I am very satisfied.
Corinna Wagner
Verified customer review
What our customers say
Ich habe durchgehend positive Erfahrungen mit Ginmon. Eine gute Darstellung eine gute Betreuung per Telefon und E-Mail. Kompetente freundliche geduldige Mitarbeiter. Ich kann Ginmon nur weiter empfehlen. Die Kosten sind absolut gerechtfertigt und im Rahmen
Ariane Roecken
Verified customer review
The robo-adviser is easy to use and has good performance. Junior accounts and VL plans are also possible.
Horst Haung
Source: Google
Investing is straightforward and inexpensive to organize. Ginmon has always been very accessible for questions, and especially the callback service works perfectly. This is particularly relevant when one does not come from the financial world and occasionally needs help understanding what exactly is happening. Overall, I am very satisfied.
Corinna Wagner
Verified customer review
What our customers say
Ich habe durchgehend positive Erfahrungen mit Ginmon. Eine gute Darstellung eine gute Betreuung per Telefon und E-Mail. Kompetente freundliche geduldige Mitarbeiter. Ich kann Ginmon nur weiter empfehlen. Die Kosten sind absolut gerechtfertigt und im Rahmen
Ariane Roecken
Verified customer review
The robo-adviser is easy to use and has good performance. Junior accounts and VL plans are also possible.
Horst Haung
Source: Google
Investing is straightforward and inexpensive to organize. Ginmon has always been very accessible for questions, and especially the callback service works perfectly. This is particularly relevant when one does not come from the financial world and occasionally needs help understanding what exactly is happening. Overall, I am very satisfied.
Corinna Wagner
Verified customer review
So funktioniert Ginmon Junior
Step 1
Account opening
First guardian opens account for the child
Step 2
Confirmation
The second guardian receives an email and agrees to the account opening.
Step 3
Deposits
Set up a monthly savings plan or have a standing order set up by Grandma & Grandpa
Step 1
Account opening
First guardian opens account for the child
Step 2
Confirmation
The second guardian receives an email and agrees to the account opening.
Step 3
Deposits
Set up a monthly savings plan or have a standing order set up by Grandma & Grandpa
Step 1
Account opening
First guardian opens account for the child
Step 2
Confirmation
The second guardian receives an email and agrees to the account opening.
Step 3
Deposits
Set up a monthly savings plan or have a standing order set up by Grandma & Grandpa
Step 1
Account opening
First guardian opens account for the child
Step 2
Confirmation
The second guardian receives an email and agrees to the account opening.
Step 3
Deposits
Set up a monthly savings plan or have a standing order set up by Grandma & Grandpa
Any questions?
Can I always dispose of the money until my child turns 18?
Yes, you can dispose of the entire securities account until your child reaches the age of 18. Deposits, transfers, liquidations and withdrawals are at the discretion of the parent or guardian.
What happens to the deposit when my child turns 18?
Upon reaching the age of 18, your child can dispose of the deposit. If the child grants a power of attorney to the legal guardians, the disposal is also in the hands of the legal guardians.
Is there the possibility that other people such as grandparents and other relatives can pay in?
Yes, the child account gets its own IBAN, to which anyone can make a deposit.
Whether as a standing order or a one-time payment, anyone with the IBAN can deposit money.
Any questions?
Can I always dispose of the money until my child turns 18?
Yes, you can dispose of the entire securities account until your child reaches the age of 18. Deposits, transfers, liquidations and withdrawals are at the discretion of the parent or guardian.
What happens to the deposit when my child turns 18?
Upon reaching the age of 18, your child can dispose of the deposit. If the child grants a power of attorney to the legal guardians, the disposal is also in the hands of the legal guardians.
Is there the possibility that other people such as grandparents and other relatives can pay in?
Yes, the child account gets its own IBAN, to which anyone can make a deposit.
Whether as a standing order or a one-time payment, anyone with the IBAN can deposit money.
Any questions?
Can I always dispose of the money until my child turns 18?
Yes, you can dispose of the entire securities account until your child reaches the age of 18. Deposits, transfers, liquidations and withdrawals are at the discretion of the parent or guardian.
What happens to the deposit when my child turns 18?
Upon reaching the age of 18, your child can dispose of the deposit. If the child grants a power of attorney to the legal guardians, the disposal is also in the hands of the legal guardians.
Is there the possibility that other people such as grandparents and other relatives can pay in?
Yes, the child account gets its own IBAN, to which anyone can make a deposit.
Whether as a standing order or a one-time payment, anyone with the IBAN can deposit money.
Any questions?
Can I always dispose of the money until my child turns 18?
Yes, you can dispose of the entire securities account until your child reaches the age of 18. Deposits, transfers, liquidations and withdrawals are at the discretion of the parent or guardian.
What happens to the deposit when my child turns 18?
Upon reaching the age of 18, your child can dispose of the deposit. If the child grants a power of attorney to the legal guardians, the disposal is also in the hands of the legal guardians.
Is there the possibility that other people such as grandparents and other relatives can pay in?
Yes, the child account gets its own IBAN, to which anyone can make a deposit.
Whether as a standing order or a one-time payment, anyone with the IBAN can deposit money.
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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 Calculation of the future value based on expected annual returns of 8.66% from the Global 10 strategy before fees with a monthly savings plan of €90 over 16 years.
³ Calculation of the future value based on expected 8.66% p.a. returns of the Global 10 Strategy before fees with a monthly savings plan of €50 over 10 years.
⁴ Utilised ETFs have a low-carbon filter that reduces 70% of CO₂ emissions compared to the benchmark.
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 Calculation of the future value based on expected annual returns of 8.66% from the Global 10 strategy before fees with a monthly savings plan of €90 over 16 years.
³ Calculation of the future value based on expected 8.66% p.a. returns of the Global 10 Strategy before fees with a monthly savings plan of €50 over 10 years.
⁴ Utilised ETFs have a low-carbon filter that reduces 70% of CO₂ emissions compared to the benchmark.
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 Calculation of the future value based on expected annual returns of 8.66% from the Global 10 strategy before fees with a monthly savings plan of €90 over 16 years.
³ Calculation of the future value based on expected 8.66% p.a. returns of the Global 10 Strategy before fees with a monthly savings plan of €50 over 10 years.
⁴ Utilised ETFs have a low-carbon filter that reduces 70% of CO₂ emissions compared to the benchmark.
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 Calculation of the future value based on expected annual returns of 8.66% from the Global 10 strategy before fees with a monthly savings plan of €90 over 16 years.
³ Calculation of the future value based on expected 8.66% p.a. returns of the Global 10 Strategy before fees with a monthly savings plan of €50 over 10 years.
⁴ Utilised ETFs have a low-carbon filter that reduces 70% of CO₂ emissions compared to the benchmark.