Systematically investing to succeed

Ginmon Invest

A unique balance of return and risk combined with professional risk management, inspired by the Norwegian Government Pension Fund, the world’s largest sovereign wealth fund.

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Outperform with Science-Based Investment Strategies

Based on ETFs: Get a customized, cost-effective portfolio of stocks, bonds, real estate and commodities
Automated risk management: Your portfolio is continuously adjusted in response to market changes – completely automatically
Science-based strategies: Benefit from approaches based on Nobel Prize-winning research that deliver superior returns over the long term.

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Our full range of services

Unlike many digital investments, Ginmon offers the best of both worlds

Automated ETF asset management combined with
personalized advice from experts

Investment strategies

Ginmon offers a total of ten investment strategies. In addition, there is a sustainable variant for each strategy.

The different investment strategies differ in the proportion of stocks, bonds, real estate and commodities. For example, if the online interview reveals that you already have experience in the capital markets and have a long-term investment horizon, our technology will deliberately suggest a more equity-heavy investment.

Compare the performance of the ten investment strategies here:

Please note

Past performance is not indicative of future results. Read more on our risk-note.

Strategy	Expected Return	Individual titles	Asset class	Link
Global 1	3.12 %	8,654	8,0 % Aktien 90,0 % Anleihen 2,0 % Immobilien	factsheet
Global 2	3.75 %	13,517	17,4 % Aktien 80,0 % Anleihen 2,6 % Immobilien	factsheet
Green 1	3.03 %	3,149	5,0 % Aktien 88,0 % Anleihen 5,0 % Rohstoffe 2,0 % Immobilien	factsheet
Green 2	3.56 %	3,149	12,3 % Aktien 80,1 % Anleihen 5,0 % Rohstoffe 2,6 % Immobilien	factsheet

Please note

Past performance is not indicative of future results. Read more on our risk-note.

Strategy	Expected Return	Individual titles	Asset class	Link
Global 3	4.37 %	14,036	25,7 % Aktien 69,0 % Anleihen 2,0 % Rohstoffe 3,3 % Immobilien	factsheet
Global 4	5.00 %	14,036	35,1 % Aktien 58,0 % Anleihen 3,0 % Rohstoffe 3,9 % Immobilien	factsheet
Green 3	4.10 %	3,219	23,2 % Aktien 69,5 % Anleihen 4,0 % Rohstoffe 3,3 % Immobilien	factsheet
Green 4	4.63 %	3,328	34,1 % Aktien 58,0 % Anleihen 4,0 % Rohstoffe 3,9 % Immobilien	factsheet

Please note

Past performance is not indicative of future results. Read more on our risk-note.

Strategy	Expected Return	Individual titles	Asset class	Link
Global 5	5.62 %	14,127	45,4 % Aktien 47,0 % Anleihen 3,0 % Rohstoffe 4,6 % Immobilien	factsheet
Global 6	6.24 %	14,127	54,7 % Aktien 37,0 % Anleihen 3,0 % Rohstoffe 5,3 % Immobilien	factsheet
Green 5	5.16 %	3,328	45,4 % Aktien 47,0 % Anleihen 3,0 % Rohstoffe 4,6 % Immobilien	factsheet
Green 6	5.69 %	3,328	54,7 % Aktien 37,0 % Anleihen 3,0 % Rohstoffe 5,3 % Immobilien	factsheet

Please note

Past performance is not indicative of future results. Read more on our risk-note.

Strategy	Expected Return	Individual titles	Asset class	Link
Global 7	6.87 %	14,127	64,0 % Aktien 26,0 % Anleihen 4,0 % Rohstoffe 6,0 % Immobilien	factsheet
Global 8	7.49 %	14,127	72,3 % Aktien 17,0 % Anleihen 4,0 % Rohstoffe 6,7 % Immobilien	factsheet
Green 7	6.23 %	3,328	66,0 % Aktien 26,0 % Anleihen 2,0 % Rohstoffe 6,0 % Immobilien	factsheet
Green 8	6.76 %	3,328	74,1 % Aktien 17,2 % Anleihen 2,0 % Rohstoffe 6,7 % Immobilien	factsheet

Please note

Past performance is not indicative of future results. Read more on our risk-note.

Strategy	Expected return	Individual titles	Asset class	Link
Global 9	8.12 %	14,127	80,1 % Aktien 7,5 % Anleihen 5,0 % Rohstoffe 7,4 % Immobilien	factsheet
Global 10	8.74 %	10,302	87,0 % Aktien 5,0 % Rohstoffe 8,0 % Immobilien	factsheet
Green 9	7.29 %	3,328	85,1 % Aktien 7,5 % Anleihen 7,4 % Immobilien	factsheet
Green 10	7.82 %	692	92,0 % Aktien 8,0 % Immobilien	factsheet

All-In Service Fee: 0,75 % p.a.

All deposit fees & transactions included
Unlimited deposits and withdrawals
Continuous ETF optimization
Automatic monitoring and rebalancing
Expert client service (personal & digital)
Unlimited strategy changes
Sub-accounts & child accounts
Custody account switching service

Your total annual cost will consist of

the All-In service fee (0.75% of investment amount per year)
+ ETF fee of the respective fund provider (Strategy Global: 0.17% p.a. or Strategy Green: 0.23% p.a.)

In total, you always pay less than 1% p.a.! Compare this with your bank’s usual front-end load, the fees of actively managed funds or even the costs of other asset managers.

Exclusive Services and Prices

Your benefits with Ginmon

Expertise

Our experts have extensive knowledge and experience in the financial sector. They analyze the market, identify opportunities and risks, and make informed decisions to optimize your assets. Our scientific approach is based on the findings of Prof. Dr. Eugene Fama (Nobel Prize 2013), who discovered that certain "factors" generate superior long-term returns compared to the market as a whole.

Diversification

We use the latest technology and analytical techniques to diversify your portfolio. This minimizes the risk that can be associated with a highly concentrated investment.

Risk Management

As soon as market conditions change, Ginmon Risk Management automatically intervenes. It makes sure that your portfolio always remains at its optimum when different asset classes perform differently. Countercyclical rebalancing" can not only reduce risks but also generate additional returns. It is structured in the same way as the Norwegian Government Pension Fund, which has been the world's largest sovereign wealth fund for many years.

Save time

Managing investments takes time and constant monitoring. By leaving the responsibility to us, you can focus on other important aspects of your life.

Individual adjustment

Our approach is based on a thorough analysis of your financial situation, goals and risk tolerance in order to implement the right, cost-effective and long-term portfolio strategy, including risk management.

Transparency

Ginmon will provide you with clear and concise information about fees, performance and investment strategies at any given time.

Performance

Ginmon is an award winning digital asset manager. For example, Ginmon is number 1 in the big Capital test 08/2023! With outstanding results in terms of return and risk, Ginmon received the highest rating of 5 stars from the renowned Institute for Asset Accumulation (IVA) - as in 2022.

Tax optimization for Germany

In your portfolio, the ETFs can be re-balanced in such a way that each year a profit is realized that can optimally fill the respective tax allowance on your capital gains according to German tax law.

Digital and personal:
we are here for you

TEAM GINMON 2023

How your investment with Ginmon works

You can open your personal account in minutes. You can get started in as little as three steps.

1

Set personal goals

You answer a few questions in an online interview. Our technology then determines your optimal investment strategy.

2

Plan investment

Customize your investment by setting your desired initial investment and savings rate.

3

Lean back relaxed

Once an account is opened, our technology automatically implements the investment strategy. You can view the current status at any time online and via the app.

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