Your investment at a glance

apeironinvest 6

Balanced portfolio with average returns

Balanced investment strategy in which the equity share slightly outweighs the bond share. The allocation to size and value equities is balanced.

Expected return

5.10% p.a.

(after costs)

Portfolio allocation

Equities 54.70%

Bonds 37.00%

Commodities 3.00%

Real Estate 5.30%

Asset class

Title

Share

Emerging market stocks

iShares Core MSCI EM IMI UCITS ETF

15.10%

Value stocks worldwide

Xtrackers MSCI World Value UCITS ETF

10.80%

US stocks

Xtrackers MSCI USA UCITS ETF

9.80%

European stocks

Lyxor Core STOXX Europe 600 UCITS ETF

8.30%

Small cap stocks worldwide

SPDR MSCI World Small Cap UCITS ETF

7.20%

Japanese stocks

Vanguard FTSE Japan UCITS ETF

2.30%

Stocks Asia Pacific

BNP Paribas Easy MSCI Pacific ex Japan ex CW UCITS ETF

1.20%

Eurozone government bonds

Lyxor EuroMTS Highest Rated Macro-Weighted Govt Bond 3-5Y (DR) UCITS ETF

12.20%

Euro corporate bonds

Xtrackers II EUR Corporate Bond UCITS ETF

11.50%

US Treasury bonds

SPDR Bloomberg Barclays 1-3 Year US Treasury Bond UCITS ETF

9.40%

Emerging market government bonds

Xtrackers II EUR UBS Bloomberg Barclays USD Emerging Markets Sovereign UCITS ETF (USD)

3.90%

Commodities

BNP Paribas Easy Energy & Metals Enhanced Roll UCITS ETF EUR

3.00%

Real estate worldwide

Amundi FTSE EPRA NAREIT Global UCITS ETF

5.30%

Historical Performance

Note: Past performance is not an indicator of future performance. Please read our risk note here.

Our service fee

Transparent and simple

Service fee
ETF costs
0.75%
+
0.20%
on the investment amount per year
Product costs per year

Do it yourself?

error icon white95.5 hours Time required per year to reproduce our strategy.
error icon white€ 1,666 Trading fees that you would pay per year to replicate our strategy

Your advantages

Diverse and individual

Flexibility

You can make deposits, withdrawals, savings plan changes and strategy changes at any time and free of charge – for maximum flexibility.

Profitable

As performance winner over the past 3 years, Ginmon proves that our combination of investment philosophy and technology is unbeatable.

No minimum term

You can close your Ginmon account at any time and withdraw your entire investment amount – completely free of charge.

Modern customer center

You have round-the-clock access to your personal customer center, where you see the development of your portfolio.

Our investment philosophy of factor investing

Based on scientific insights

The investment strategy of Ginmon is based on the findings of Nobel Prize winner Prof. Fama and Prof. French. The three-factor model they have established aims to maximize capital market returns. For this purpose we construct a globally diversified portfolio of approximately 12,000 individual securities. In addition to global diversification, we increasingly invest in small-cap and value companies and generate proven higher risk-adjusted returns.

  1. apeiron select

Scans the market for ETFs to cost-effectively select the best investment products
for you.

  1. apeiron protect

Ensures that the target allocation of your portfolio is maintained in the event of price fluctuations.

  1. apeiron enhance

Identifies additional optimization potentials and spares your portfolio from unnecessary rebalancings.

Security – your greatest asset

In your personal securities account, which we open for you at our partner bank DAB BNP Paribas
we automatically implement the selected investment strategy.

In addition, the deposited money is subject to EU deposit insurance, which additionally protects it against default risks.

Your securities account is treated as a separate asset and is therefore protected against losses even in the event of insolvency of our partner bank or Ginmon.

Fabian Knigge, CFA

Head of investment

Our customer service –
Always at your service

You have further questions about Ginmon, our registration or as a customer request?
Please feel free to arrance a callback at a time of your choice. You can also contact us at any time via our website chat at the bottom right of our homepage or via our customer email at service@ginmon.de.

Legal information

These documents of Ginmon Vermögensverwaltung GmbH (Ginmon) serve exclusively as information/advertising material and are not legally binding. The basis for the services offered by Ginmon are the underlying contractual documents. Ginmon forwards the client’s order to the custodian bank for execution. Past performances are no guarantee for future performances. Therefore, here can be no guarantee that an investment strategy will continue to achieve the performance achieved in the past as well in the future. Ginmon does not guarantee the accuracy or completeness of the information. The explanation of risks is included in our document “Investment risks”. This and further information is available free of charge at https://www.ginmon.de/en/contracts/.

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