Nobel Prize-winning strategies, free from emotions.

Factor investing

Performance boosters based on leading capital market research

Equity premium

the equity premium is the excess return that investments in the equity market generate compared to low-risk asset classes such as short-term German government bonds.

Size premium

the size premium refers to the effect that shares of smaller companies perform better than those of larger companies over the long term.

Value premium

the value premium describes the effect that companies with a low book-to-market ratio (value companies) achieve higher returns than those with a higher book-to-market ratio (growth companies).

Gezeichnetes Balkendiagramm zeigt Anlagestrategie des Faktor-Investings
Ginmon setzt bei seiner Anlagestrategie auf antizyklisches Rebalancing

Counter-Cyclical investment Strategy

Improves your returns and ensures an always-optimal portfolio allocation.

Markets and asset classes develop in different cycles. For optimal returns, our system regularly shifts from high to low-valued and therefore more profitable asset classes.

The term anti-cyclical describes an investment method that runs exactly contrary to the herd instinct. Instead of investing when prices rise, such asset classes are sold and instead, those asset classes are bought that have fallen in value.

Or in a nutshell: buy low, sell high.

Invested in all major asset classes

Broad diversification is the key to successfully build up wealth.

Prof. Harry Markowitz laid the foundation for the modern portfolio theory with his scientific work in the 1950s, for which he later received the Nobel Prize. Since different asset classes develop differently, a broadly diversified portfolio is typically less risky than an investment in individual asset classes or even in individual securities. Based on this knowledge, we invest in globally diversified portfolios consisting of the four most important asset classes: equities, bonds, real estate and commodities.

Each building block fulfills its purpose

Various studies from international capital market research have shown that the correct allocation of various asset classes has the greatest influence on the performance and volatility of a portfolio, at over 90%. We therefore only invest in products that offer tangible added value for your portfolio. Each asset class is assigned a specific role.

Our size and value ETFs allow you to benefit from scientifically proven factor premiums. Our equity allocation enables you to participate in global economic growth, while corporate bonds and government bonds from emerging markets provide regular income through coupon payments. To minimize the risk of unexpected inflation shocks, we also allocate to inflation-protected government bonds, real estate, and commodities. Finally, we add an important safety component to your portfolio: government bond, gold, and silver.

Our 10 investment strategies at a glance

The main difference between the 10 Ginmon portfolios is the expected return and thus also the volatility. In general, the higher the share of equities, the more movement and return potential there is in the portfolios.

For investors who want to invest in the capital market in a way that optimises returns, the Ginmon strategies apeironinvest 7 to 10 are just right. If, however, you are more concerned with security and moderate performance, then apeironinvest 1 to 4 and very bond-heavy portfolios will suit you perfectly. For all investors who value a healthy mix between return and risk, the apeironinvest 5 and 6 strategies are the optimal choice.

Expected return strategy Investor type What do we invest in for you? composition
2.92% p.a. apeironinvest 1 Conservative It is mainly invested in government and corporate bonds from industrialized nations. In addition, there is a small proportion of stocks made up of large standard stocks. 8% shares
90% bonds
2% real estate
3.42% p.a. apeironinvest 2 Conservative Government and corporate bonds from industrialized nations clearly predominate in the portfolio. In addition, there is a small share of large standard stocks with a few size and value stocks added. 17% stocks
80% bonds
3% real estate
3.66% p.a. apeironinvest 3 Defensive Government and corporate bonds from industrialized nations are mixed in with stocks of large defaults. In addition, there are a few raw materials in the depot. 26% shares
69% bonds
2% raw materials
3% real estate
4.06% p.a. apeironinvest 4 Defensive It is mainly invested in government and corporate bonds from industrialized nations. In terms of the equity component, size and value stocks are still underweighted. 35% stocks
58% bonds
3% raw materials
4% real estate
4.61% p.a. apeironinvest 5 Balanced The share of stocks and bonds is roughly the same, with the bond portion being formed without conservative stocks. The allocation of size and value stocks is balanced. 45% stocks
47% bonds
3% raw materials
5% real estate
5.11% p.a. apeironinvest 6 Balanced The equity component outweighs the bond component for the first time. In spite of the majority of shares, the portfolios are still hedged against possible fluctuations. 55% stocks
37% bonds
3% raw materials
5% real estate
5.53% p.a. apeironinvest 7 Profit-oriented Most of the investments are in stocks. The weighting in size and value stocks as well as stocks from emerging markets is slightly higher. Raw materials and real estate are about 10% important. 64% shares
26% bonds
4% raw materials
6% real estate
5.99% p.a. apeironinvest 8 Profit-oriented Most of the investments are in stocks. Size and value stocks are not only overweighted, they are also more heavily contained in the portfolio than bonds. 72% stocks
17% bonds
4% raw materials
7% real estate
6.34% p.a. apeironinvest 9 Risk takers It invests heavily in stocks, while bonds are only mixed in to a small extent. The share of raw materials reaches its maximum with approx. 5% in the Ginmon portfolios. 80% stocks
8% bonds
5% raw materials
7% real estate
6.73% p.a. apeironinvest 10 Risk takers Investments are made almost exclusively in stocks, with size and value stocks being overweighted. There are no bonds at all. 87% stocks
5% raw materials
8% real estate

How does investing with Ginmon work?

You can open your Ginmon account in a few minutes. In just three steps, you can get started.

1
Set your personal goals
Just answer some questions about your personal risk affinity and personal life situation.
2
Plan your investment
Select your desired initial investment and savings rate. Our technology calculates the optimal portfolio for you.
3
Relax and lean back
After opening an account, our technology implements the investment strategy automatically. You can view the current status online at any time.

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