We are building the Personal Finance
Coach that Europe trusts
Personal Finance Coach:
What is that even?
We do:
Adapt to individual situations
Use the offered solutions themselves
Focus on essential life goals
Long-term support
Take responsibility for recommendations
Hold back and track progress. Shout when
Holistic approach
What we do not do
Pure information platform
Product sale
Hidden commissions
Influencer with affiliate deals
The story behind Ginmon
As a consultant at Deutsche Bank, Ginmon founder Lars Reiner became deeply involved with the structures of traditional investment advice. When he meets long-time wealth advisor and future co-founder Ulrich Bauer, Lars quickly realises how different independent wealth management is from the product sales of traditional banks and investment advisors. Together, they developed the idea of creating a digital personal finance coach by utilising the latest technology, scientific investment concepts, and practical methods of financial planning.
A cost-effective and independent platform to help people achieve their financial goals. At the end of 2014, the two founded the company Ginmon, now a leading digital platform in Germany and Europe.
Ginmon [ɡin moɴ]: Japanese for "silver gate", symbolically represents the path to financial independence.
Our Management
Chief Executive Officer
Lars Reiner
Before founding Ginmon, Lars Reiner worked for Deutsche Bank as a management consultant. There he managed various projects, including in the private customer business of Deutsche Bank.
Chief Advisory Officer
Ulrich Bauer
As a qualified business economist, Ulrich Bauer has been working as an independent financial advisor since 1989 and has specialised in advising academics. With his many years of expertise and his affinity for customer-friendly investments, he supports the consulting skills and product development at Ginmon as a co-founder.
Chief Technology Officer
Dmitriy Fot
Dmitriy Fot holds a Master's degree in IT and Media Technology from the University of Hamburg. Before joining Ginmon, he worked as a Senior Cloud Architect at Amazon Web Services and held numerous positions as a Software Engineer for IBM in Germany and the USA. At Ginmon, Dmitriy Fot leads product development and the technology platform.
Ginmon is supported by experts from research and industry.
Our core beliefs
Solutions instead of products
We are convinced that it does not take 10,000 financial products to successfully manage one's finances. Instead, a handful of tailored solutions is enough to achieve the essential financial goals - e.g. solid retirement provision, sufficient emergency savings, a financial cushion for children, or paying off the home.
Strategy instead of impulse
Investing money in general and the stock market in particular is highly emotional and can lead to impulsive decisions. Our conviction is that a long-term strategy is needed to successfully operate in the capital market. We have optimised our strategies and our platform to minimise emotional influences on investments and to always keep a cool head.
Evidence-based investing
Our conviction is that successful investing works in a similar way to modern medicine. Through research, studies, and statistics, evidence-based strategies for investment can be developed. Although these may not maximize returns in every market phase and time period, they offer the best risk-return profile in the long term - similar to a good, well-tested medication.
Current news about Ginmon: Visit our Newsroom now
Become part of the team: Visit our careers
White Label Technology Platform
apeiron WealthCloud, the technology platform behind Ginmon, is also available as a white label.
