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
Your ETF solution for VL
Instead of investing in low-interest home savings contracts or bank products with your VL allowance, switch to a high-yield ETF savings plan. A change is possible at any time.
Instead of investing in low-interest home savings contracts or bank products with your VL allowance, switch to a high-yield ETF savings plan. A change is possible at any time.
Invest your salary allowance in broadly diversified ETFs
Expected return ⌀
8.66% p.a.¹
No holding or blocking periods
Intelligent tax optimisation
Also available as a sustainable option
All-inclusive service fee of only 0.75% p.a.
Ginmon VL is available in both classic and sustainable options
Global VL
Scientific factor investing
Overweighting of value and small caps
GDP-related weighting of world regions
Green VL
Stricter sustainability approach
Approximately 70% lower CO2 emissions ²
Supports UN Social Development Goals
Your money is protected
Special asset
Your investment is treated as a separate asset. This means you are 100% protected even if Ginmon or the partner bank becomes insolvent.
EU deposit insurance
In addition, the money you deposit in your Settlement Account is covered by the EU Deposit Insurance Scheme and is therefore protected against the risk of default.
Your money is protected
Special asset
Your investment is treated as a separate asset. This means you are 100% protected even if Ginmon or the partner bank becomes insolvent.
EU deposit insurance
In addition, the money you deposit in your Settlement Account is covered by the EU Deposit Insurance Scheme and is therefore protected against the risk of default.
Your money is protected
Special asset
Your investment is treated as a separate asset. This means you are 100% protected even if Ginmon or the partner bank becomes insolvent.
EU deposit insurance
In addition, the money you deposit in your Settlement Account is covered by the EU Deposit Insurance Scheme and is therefore protected against the risk of default.
Your money is protected
Special asset
Your investment is treated as a separate asset. This means you are 100% protected even if Ginmon or the partner bank becomes insolvent.
EU deposit insurance
In addition, the money you deposit in your Settlement Account is covered by the EU Deposit Insurance Scheme and is therefore protected against the risk of default.
Others
Ginmon
Running costs per year
10 or €20¹
0.75% of the deposit value
Transaction fees
0.2 %
none
ETF fees
dependent on the ETF²
0.26 %
Government funding available
yes
no
Minimum term
7 years
none
Minimum savings amount
per month
none
none
Costs in case of early
termination
€10
none
"Without the possibility of state funding, there is no minimum term of seven years at Ginmon, and you can cancel the account at any time free of charge."
How Ginmon VL works
Step 1
Open Ginmon VL
Answer a short questionnare, choose an investment strategy, and open an account in just a few minutes.
Step 2
Employer certificate submission
After successful account opening, give your employer the employer certificate, which you can find under your documents.
Step 3
Receive up to €40 per month
Relax and receive your monthly contributions from your employer directly under your VL strategy; Ginmon will invest them automatically for you.
Step 1
Open Ginmon VL
Answer a short questionnare, choose an investment strategy, and open an account in just a few minutes.
Step 2
Employer certificate submission
After successful account opening, give your employer the employer certificate, which you can find under your documents.
Step 3
Receive up to €40 per month
Relax and receive your monthly contributions from your employer directly under your VL strategy; Ginmon will invest them automatically for you.
Step 1
Open Ginmon VL
Answer a short questionnare, choose an investment strategy, and open an account in just a few minutes.
Step 2
Employer certificate submission
After successful account opening, give your employer the employer certificate, which you can find under your documents.
Step 3
Receive up to €40 per month
Relax and receive your monthly contributions from your employer directly under your VL strategy; Ginmon will invest them automatically for you.
Step 1
Open Ginmon VL
Answer a short questionnare, choose an investment strategy, and open an account in just a few minutes.
Step 2
Employer certificate submission
After successful account opening, give your employer the employer certificate, which you can find under your documents.
Step 3
Receive up to €40 per month
Relax and receive your monthly contributions from your employer directly under your VL strategy; Ginmon will invest them automatically for you.
What our customers say
Variable availability of the VL deposit without a 6-year commitment and strong returns.
Martin Hartmann
Verified customer review
Great partner for wealth creation. The online opening went smoothly! I am very satisfied with my VL investment.
Momi F
Source: Trustpilot
My first choice for a VL depot and their money market fund appeals to me. I have also had very good experiences with the support and have since referred a family member.
sfojackreed
Source: Trustpilot
What our customers say
Variable availability of the VL deposit without a 6-year commitment and strong returns.
Martin Hartmann
Verified customer review
Great partner for wealth creation. The online opening went smoothly! I am very satisfied with my VL investment.
Momi F
Source: Trustpilot
My first choice for a VL depot and their money market fund appeals to me. I have also had very good experiences with the support and have since referred a family member.
sfojackreed
Source: Trustpilot
What our customers say
Variable availability of the VL deposit without a 6-year commitment and strong returns.
Martin Hartmann
Verified customer review
Great partner for wealth creation. The online opening went smoothly! I am very satisfied with my VL investment.
Momi F
Source: Trustpilot
My first choice for a VL depot and their money market fund appeals to me. I have also had very good experiences with the support and have since referred a family member.
sfojackreed
Source: Trustpilot
What our customers say
Variable availability of the VL deposit without a 6-year commitment and strong returns.
Martin Hartmann
Verified customer review
Great partner for wealth creation. The online opening went smoothly! I am very satisfied with my VL investment.
Momi F
Source: Trustpilot
My first choice for a VL depot and their money market fund appeals to me. I have also had very good experiences with the support and have since referred a family member.
sfojackreed
Source: Trustpilot
Any questions?
What are capital-forming benefits?
Capital-forming benefits (VL or VWL) are cash benefits from the employer, either on a voluntary basis or based on a regulation in the collective or employment contract. The money gift from the employer must be paid into a specific form of investment.
The employer can add up to €40 per month to your gross salary. Whether and how much your employer pays is usually regulated in the employment or collective agreement
What is the advantage of an ETF savings plan over building loan contracts / bank deposits?
Due to the current interest rate situation, building loan contracts and bank deposits hardly yield any returns. It is therefore advisable to invest the capital-forming benefits on the capital market, as is the case with Ginmon. After all, your savings should continue to increase in the long term.
What are the total costs that I will incur?
Your total costs relate to your respective portfolio volume and are calculated from:
The All-In Service Fee (0.75% p.a.)
+ ETF Fee of the respective fund provider (Global Strategy: 0.17% p.a. or Green Strategy: 0.23% p.a.)
In total, you will always pay less than 1 % p.a.! You will not incur any additional costs (e.g., for opening an account, closing an account, etc.)
What do I have to do to start?
To find out if you receive capital-forming benefits, check with your human resources department or check your employment or collective agreement.
If your employer pays you VL, open your VL account with Ginmon. After opening an account, you will automatically receive a document on which you will find the IBAN of the account.
You pass this document on to your employer and let the VL payments go to your deposit.
I already have a VL contract but would prefer to use Ginmon VL
You can easily change your VL contract.
You inform your employer that the capital-forming benefits should now be paid into Ginmon VL. You will, of course, receive written notification of this from us.
In this case, the first VL contract is no longer saved and the capital-forming benefits are credited to Ginmon VL. You can have the old VL contract paid out after the blocking period has expired.
What happens to the VL account when changing employers?
You can easily transfer the capital-forming benefit payments to your new employer.
If your new employer does not offer any capital-forming benefits, you can ask your employer to pay the other contributions from your net salary into the VL account. Our service is always ready to support you.
Any questions?
What are capital-forming benefits?
Capital-forming benefits (VL or VWL) are cash benefits from the employer, either on a voluntary basis or based on a regulation in the collective or employment contract. The money gift from the employer must be paid into a specific form of investment.
The employer can add up to €40 per month to your gross salary. Whether and how much your employer pays is usually regulated in the employment or collective agreement
What is the advantage of an ETF savings plan over building loan contracts / bank deposits?
Due to the current interest rate situation, building loan contracts and bank deposits hardly yield any returns. It is therefore advisable to invest the capital-forming benefits on the capital market, as is the case with Ginmon. After all, your savings should continue to increase in the long term.
What are the total costs that I will incur?
Your total costs relate to your respective portfolio volume and are calculated from:
The All-In Service Fee (0.75% p.a.)
+ ETF Fee of the respective fund provider (Global Strategy: 0.17% p.a. or Green Strategy: 0.23% p.a.)
In total, you will always pay less than 1 % p.a.! You will not incur any additional costs (e.g., for opening an account, closing an account, etc.)
What do I have to do to start?
To find out if you receive capital-forming benefits, check with your human resources department or check your employment or collective agreement.
If your employer pays you VL, open your VL account with Ginmon. After opening an account, you will automatically receive a document on which you will find the IBAN of the account.
You pass this document on to your employer and let the VL payments go to your deposit.
I already have a VL contract but would prefer to use Ginmon VL
You can easily change your VL contract.
You inform your employer that the capital-forming benefits should now be paid into Ginmon VL. You will, of course, receive written notification of this from us.
In this case, the first VL contract is no longer saved and the capital-forming benefits are credited to Ginmon VL. You can have the old VL contract paid out after the blocking period has expired.
What happens to the VL account when changing employers?
You can easily transfer the capital-forming benefit payments to your new employer.
If your new employer does not offer any capital-forming benefits, you can ask your employer to pay the other contributions from your net salary into the VL account. Our service is always ready to support you.
Any questions?
What are capital-forming benefits?
Capital-forming benefits (VL or VWL) are cash benefits from the employer, either on a voluntary basis or based on a regulation in the collective or employment contract. The money gift from the employer must be paid into a specific form of investment.
The employer can add up to €40 per month to your gross salary. Whether and how much your employer pays is usually regulated in the employment or collective agreement
What is the advantage of an ETF savings plan over building loan contracts / bank deposits?
Due to the current interest rate situation, building loan contracts and bank deposits hardly yield any returns. It is therefore advisable to invest the capital-forming benefits on the capital market, as is the case with Ginmon. After all, your savings should continue to increase in the long term.
What are the total costs that I will incur?
Your total costs relate to your respective portfolio volume and are calculated from:
The All-In Service Fee (0.75% p.a.)
+ ETF Fee of the respective fund provider (Global Strategy: 0.17% p.a. or Green Strategy: 0.23% p.a.)
In total, you will always pay less than 1 % p.a.! You will not incur any additional costs (e.g., for opening an account, closing an account, etc.)
What do I have to do to start?
To find out if you receive capital-forming benefits, check with your human resources department or check your employment or collective agreement.
If your employer pays you VL, open your VL account with Ginmon. After opening an account, you will automatically receive a document on which you will find the IBAN of the account.
You pass this document on to your employer and let the VL payments go to your deposit.
I already have a VL contract but would prefer to use Ginmon VL
You can easily change your VL contract.
You inform your employer that the capital-forming benefits should now be paid into Ginmon VL. You will, of course, receive written notification of this from us.
In this case, the first VL contract is no longer saved and the capital-forming benefits are credited to Ginmon VL. You can have the old VL contract paid out after the blocking period has expired.
What happens to the VL account when changing employers?
You can easily transfer the capital-forming benefit payments to your new employer.
If your new employer does not offer any capital-forming benefits, you can ask your employer to pay the other contributions from your net salary into the VL account. Our service is always ready to support you.
Any questions?
What are capital-forming benefits?
Capital-forming benefits (VL or VWL) are cash benefits from the employer, either on a voluntary basis or based on a regulation in the collective or employment contract. The money gift from the employer must be paid into a specific form of investment.
The employer can add up to €40 per month to your gross salary. Whether and how much your employer pays is usually regulated in the employment or collective agreement
What is the advantage of an ETF savings plan over building loan contracts / bank deposits?
Due to the current interest rate situation, building loan contracts and bank deposits hardly yield any returns. It is therefore advisable to invest the capital-forming benefits on the capital market, as is the case with Ginmon. After all, your savings should continue to increase in the long term.
What are the total costs that I will incur?
Your total costs relate to your respective portfolio volume and are calculated from:
The All-In Service Fee (0.75% p.a.)
+ ETF Fee of the respective fund provider (Global Strategy: 0.17% p.a. or Green Strategy: 0.23% p.a.)
In total, you will always pay less than 1 % p.a.! You will not incur any additional costs (e.g., for opening an account, closing an account, etc.)
What do I have to do to start?
To find out if you receive capital-forming benefits, check with your human resources department or check your employment or collective agreement.
If your employer pays you VL, open your VL account with Ginmon. After opening an account, you will automatically receive a document on which you will find the IBAN of the account.
You pass this document on to your employer and let the VL payments go to your deposit.
I already have a VL contract but would prefer to use Ginmon VL
You can easily change your VL contract.
You inform your employer that the capital-forming benefits should now be paid into Ginmon VL. You will, of course, receive written notification of this from us.
In this case, the first VL contract is no longer saved and the capital-forming benefits are credited to Ginmon VL. You can have the old VL contract paid out after the blocking period has expired.
What happens to the VL account when changing employers?
You can easily transfer the capital-forming benefit payments to your new employer.
If your new employer does not offer any capital-forming benefits, you can ask your employer to pay the other contributions from your net salary into the VL account. Our service is always ready to support you.
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
Get the app
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 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 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 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 Utilised ETFs have a low-carbon filter that reduces 70% of CO₂ emissions compared to the benchmark.