Ginmon in Financial Test

As automated portfolio management becomes increasingly popular, the renowned consumer magazine "Finanztest" is now testing all Robo Advisors for the first time and provides a comparison and current market overview of a still young and little-researched market.

As the term "Robo Advisor" is now used for very different and often hardly comparable models, Finanztest divided the providers into three categories: Full, Self- & Half-Service providers.

While Full-Service providers relinquish full control over the investment and Self-Service providers only make investment suggestions, Half-Service providers (including Ginmon) offer a middle way by coordinating relevant investment decisions with the client in advance.

Furthermore, the Robo Advisor Ginmon offers its investors automatic portfolio optimization through savings rates. The majority of Ginmon customers are already using this option: "Those who pay monthly utilize additional optimization potentials within the framework of Smart Rebalancing.

New deposits are used to build underweight positions without having to sell overweight titles. This ultimately has a positive impact on the return," explains founder and managing director Lars Reiner.

In the test, Ginmon is the only Robo Advisor that relies on a low basic fee and a profit-sharing model. The company sits together with its clients in the same boat and distinguishes itself from other providers in the market with a particularly fair pricing model.

About Ginmon

The digital asset manager Ginmon, founded in 2014 by Lars Reiner and Ulrich Bauer, offers private clients services that were previously reserved exclusively for very wealthy clients. Ginmon operates as a licensed asset manager according to §32 of the German Banking Act with currently 30 employees and is subject to examination by the Federal Financial Supervisory Authority (BaFin).

The in-house apeiron® technology monitors and optimizes the portfolios of clients, which Ginmon has custodied at BNP Paribas, the market leader in custody services in Germany.

As the only provider, Ginmon consistently relies on the three-factor model, an investment concept inspired by Nobel laureates Eugene Fama and Kenneth French.

In cooperation with the consulting firm Mercer, Ginmon also targets employers who want to provide their employees with access to digital asset management to supplement occupational retirement provision.