Ginmon Pension

Your pension.

Finally invested smartly.

Benefit from the new regulations of the pension reform

Secure your financial future

Tax savings: Tax-free in the accumulation phase and €1,800 p.a. plus allowances are tax-deductible

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

The most important things in brief

Flexible options instead of forced retirement

Decide for yourself whether you would like to use your capital as a lump sum, in instalments or as an annuity.

Up to €540 in funding per year

Benefit from government subsidies and additional financial support for your retirement savings.

Save tax-free

Earnings remain tax-free during the accumulation phase and can work for you in the long term.

Flexible options instead of forced retirement

Decide for yourself whether you would like to use your capital as a lump sum, in instalments or as an annuity.

Up to €540 in funding per year

Benefit from government subsidies and additional financial support for your retirement savings.

Save tax-free

Earnings remain tax-free during the accumulation phase and can work for you in the long term.

pension planner

What do I really get from the state?

Calculate your personal subsidy and tax savings — tailored to your life situation.

Altersvorsorgedepot Calculator

Model your AVD wealth: own contributions, state subsidies, and market returns across 3 return scenarios.

Birth year

Monthly contribution

EUR/mo

Retirement age

years

Life expectancy

years

Annual AVD benefit - year 1

Basic subsidy (ZfA)EUR 540

Child allowanceEUR 0

Under-25 one-time bonusEUR 0

Est. income tax benefitEUR 177

Total state benefitEUR 717

Capital at retirement

EUR 143.129

From age 67, this provides about EUR 828 per month for 18 years.

Monthly net payout

EUR 828

Total own invested

EUR 66.600

How your savings build up over time. Real (inflation-adjusted) EUR.

Own contributions

State subsidies

Investment returns

Depot composition at retirement

47% Your money14% State40% Markets

Assumptions: AVD subsidy rules reflect AltZertG as passed 27 Mar 2026 (Bundesrat approval pending). Return rates are historical estimates; past performance is not a guarantee. Tax simplified - Ertragsanteilsbesteuerung at payout: 17.0 % (age 67), ~21% retirement tax rate assumed. Real (2% inflation-adjusted) euros. Not financial or tax advice.

AVD vs. Riester in a direct comparison

The next-generation wealth management.

Riester pension

Rürup pension

Managed

Active Management & Rebalancing

Automated portfolio management

Factor Investing

Automated tax optimisation

Low–Medium

return opportunities

Low–Medium

Medium–High

Fees

€175

Transparent

Open to the self-employed

€175

None

Transparent

Flexible payout

Partially

Transparent

bureaucratic burden

High

Investment in ETFs & shares

Restricted

return opportunities

low-medium

Low

Withdrawal plan *

Heritability

Transfer without loss of delivery possible

Capital is forfeited upon death

Transfer without loss of delivery possible

Two paths to retirement planning

Standard

Investment in 2 ETFs

Statutory strategy

Automatic adjustment with age

Managed

Up to 14 ETFs

Factor Investing

Dynamic Lifecycle Management

More diversification

The future of your retirement provision

Our new private pension solution is launching soon. Join the waiting list now to be among the first to know.

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¹, ² The interest rate is variable and linked to the European Central Bank (ECB) base rate. The interest rate before product costs and service fees is always the Euro Short-Term Rate (€STR) plus 0.085% p.a. Service fees for Ginmon TopZins have been reduced to 0.30% p.a.

³ The indicated return of 8.66% p.a. refers to the historical performance of the "Global 10" investment strategy in the period from 01/01/2016 to 30/09/2024. Please note that investing involves risks and past performance is no guarantee of future performance. The value of your investment may fall or rise. Capital losses may occur. The stated return is before deduction of taxes and service fees.

⁴ Annual interest benefit at 2.00% p.a. instead of 0.00% at the home bank for an investment amount of €2,500,000.

⁵ Annual tax advantage of €27,270.34 at an eff. tax rate of 12.165% in a GmbH compared to 18.463% in private assets at €5,000,000 and 8.66% p.a. yield in Global 10 Strategy.

⁶ Annual yield after costs amounting to €63,280 in Global 10 Strategy.

⁷ Verified customer reviews come from customers with whom a customer relationship exists under the same name and whose identity has been verified using GwG-compliant identification procedures (e.g. video identification procedures).