Ginmon Junior

ETF savings plan for children

Tax-efficient and high-yield investments for children

Parents, grandparents, and relatives can contribute

Sustainable ETF strategies available

Start now

on Google & Trustpilot

€400M

Assets Under Management

on Google & Trustpilot

€400M

Assets Under Management

on Google & Trustpilot

€400M

Assets Under Management

on Google & Trustpilot

€400M

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.

Average expected return:

8.87% p.a.¹

Investment in equities, bonds, real estate and commodities

Also available as a sustainable option

Automatic risk management

Smart tax optimisation using the annual child allowance of up to €11,944

Grandparents, relatives and acquaintances can also contribute

Service fees starting at 0.60% p.a.

Open now Ginmon Junior

Johannes' studies

€16,000

€26,000

Create investment proposal now

Create investment proposal now

Studies

€31,000

Only

€90

per month (16 years)²

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 guardian required to open the account

Account in your own name

No separate child's tax allowance available

You retain full access and control over the money

You retain full access and control over the money

Account opening without legal guardians possible

Our investment strategies

Global Investment

Scientific factor investing

Focus on value and small caps

Regional allocation based on global GDP

Green Investment

Stricter sustainability approach

Approximately 60% lower CO2 emissions⁴

Supports UN Sustainable Development Goals⁵

Discover more

What our customers say

I have had consistently positive experiences with Ginmon. A good representation, good support by phone and email. Competent, friendly, and patient staff. I can only recommend Ginmon. The costs are absolutely justified and reasonable.

Ariane Roecken

Source: Trustpilot⁶

The robo-adviser is easy to use and has good performance. Junior accounts and VL plans are also possible.

Horst Haung

Source: Google⁶

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

Source: Trustpilot⁶

What our customers say

I have had consistently positive experiences with Ginmon. A good representation, good support by phone and email. Competent, friendly, and patient staff. I can only recommend Ginmon. The costs are absolutely justified and reasonable.

Ariane Roecken

Source: Trustpilot⁶

The robo-adviser is easy to use and has good performance. Junior accounts and VL plans are also possible.

Horst Haung

Source: Google⁶

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

Source: Trustpilot⁶

What our customers say

I have had consistently positive experiences with Ginmon. A good representation, good support by phone and email. Competent, friendly, and patient staff. I can only recommend Ginmon. The costs are absolutely justified and reasonable.

Ariane Roecken

Source: Trustpilot⁶

The robo-adviser is easy to use and has good performance. Junior accounts and VL plans are also possible.

Horst Haung

Source: Google⁶

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

Source: Trustpilot⁶

What our customers say

I have had consistently positive experiences with Ginmon. A good representation, good support by phone and email. Competent, friendly, and patient staff. I can only recommend Ginmon. The costs are absolutely justified and reasonable.

Ariane Roecken

Source: Trustpilot⁶

The robo-adviser is easy to use and has good performance. Junior accounts and VL plans are also possible.

Horst Haung

Source: Google⁶

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

Source: Trustpilot⁶

How Ginmon Junior works

Account opening

First guardian opens account for the child

Confirmation

The second guardian receives an email and agrees to the account opening.

Deposits

Set up a monthly savings plan or have a standing order set up by Grandma & Grandpa

Account opening

First guardian opens account for the child

Confirmation

The second guardian receives an email and agrees to the account opening.

Deposits

Set up a monthly savings plan or have a standing order set up by Grandma & Grandpa

Other questions?

Contact us

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.

Other questions?

Contact us

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.

Other questions?

Contact us

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.

Other questions?

Contact us

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.

Try it out now

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

Start now

Get the app

Try it out now

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

Start now

Get the app

Try it out now

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

Start now

Get the app

Try it out now

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

Get the app

¹ The stated return of 8.87% per annum relates to the historical performance of the investment strategy "Global 10" over the period from 01/01/2016 to 31.12.2025. Please note that investment involves risks and past performance is not a guarantee of future performance. The value of your investment may go down or up. Losses of the invested capital may occur. The return figure is before deduction of product costs, taxes, and service fees.

² 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 €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 saving plan of €50 over 10 years.

⁴ Based on "Green 10" strategy and the average carbon emission intensity ("Carbon Emission Intensity Metric Tonnes"). This value results from the sum of the weights of the invested companies, multiplied by their carbon intensity. The carbon intensity is expressed in metric tonnes of CO₂ per million US dollars of revenue. Source: Blackrock 360. Date: 31.12.2025.

⁵ Financial products may have ecological or social characteristics that do not aim for sustainable investments. Please inform yourself about the investment products included in your investment strategy and their investment objectives.

⁶ Customer reviews come from Trustpilot or Google Reviews. Verification is not done by Ginmon, but by the respective review platforms. For more information on how these providers ensure the authenticity of reviews, you can find it here: Trustpilot / Google.