Your future deserves
a solid and profitable
Private pension

Demographic change urgently requires far-sighted pension provision.

  • The German pension system is based on three pillars. It is well known that the financing of the state pension is facing dramatic and as yet unresolved challenges.
  • It is also well known that with the retirement of the baby boomers from 2030 onwards, there will be only 1.5 contributors for every pensioner (with a downward trend), as confirmed by expert reports from the Cologne Institute for Economic Research (Institut der deutschen Wirtschaft Köln).

    (See, for example, “Kapitaldeckung in der gesetzlichen Rente und privaten Altersvorsorge, 010/2022).

ETFs are ideal for private pensions

Unlike individual shares, ETFs spread your money across numerous companies, often thousands. This diversification effect minimizes risk.

ETFs are passively managed, which translates into low costs for the investor. Compared with other pension products, ETFs offer a low-cost and, above all, high-yielding alternative.

  • Individual: We work with you to determine your personal system so that you feel comfortable and secure at all times.
  • High yield: The globally diversified, scientifically invested pension capital generates a long-term return of 6-7% p.a.
  • Tax-optimised: Automatic rebalancing generates annual gains that maximise your tax-free allowance.
  • ETF-based: Significantly cheaper than traditional pension solutions (life insurance, Riester pension or building society savings).

Ginmon offers a virtually all-round carefree package for
Private Pension provision

  • Selection of the optimal ETFs for the individual pension plan,
  • Strategic alignment with personal risk aversion
  • Ongoing monitoring and optimisation of the investment
  • Automatic risk management in the event of changes in the capital markets

Retirement Calculator for Private Pensions

Over the long term, investing in the capital markets pays off significantly more than any other private retirement product, such as a Riester pension or life insurance. For this reason, investing in the capital market is a sensible choice or supplement for everyone.

In order to benefit from the yield power of the capital market in the long term, it is necessary to structure retirement provision professionally. In this way, small, regular savings can turn into real assets in old age.

The online retirement calculator shows you how you can build up additional income for your entire retirement with professional capital market investments.

Retirement planning at Ginmon
What you need to know

Why is a private pension so important?

For many people, the state pension will unfortunately no longer be sufficient to maintain their accustomed standard of living in old age.

It is therefore extremely important to take out a private pension in addition to your company pension. The earlier the better.

Are ETFs a good retirement investment?

Yes, but they should cover the global capital market. Investing only in individual markets or regions would mean too much risk, which is the problem for many investors.


This is how Ginmon's retirement planning works: Always taking into account your personal risk appetite, we map the entire spectrum of the global capital market in your personal portfolio and continuously ensure that it is in balance.


In contrast to traditional pension products, there are no acquisition or distribution costs and maximum transparency. Instead, we focus entirely on providing you and your pension with the best return opportunities in the international capital markets.

How safe is my pension with Ginmon?

Your invested assets are safely held in your personal account with our banking partner (e.g. DAB BNP Paribas).

This means that you are protected against the (unlikely) insolvency of Ginmon or the partner bank.

Can I get my money back at any time?

Yes, you can close your investment and sell your securities at any time.

Two days later, after the proceeds have been booked, we will transfer the funds to the reference account you specified. Withdrawals are free of charge at any time.

What does Ginmon cost?

Ginmon's complete solution, including personal custody account, automatic management and web application, costs 0.75% of your invested funds per year, which is approximately 0.0625% per month.

Example: A portfolio volume of €10,000 costs €6.25 per month.

What are the advantages of a pension plan with Ginmon compared to other private pension products?

You can access your pension at any time if you unexpectedly need the invested funds earlier than originally planned.

This is a great advantage over traditional pension solutions such as life insurance, Riester pensions or building society savings contracts, where the money is tied up for a long time.

Another advantage: Ginmon is much cheaper than the classic alternatives just mentioned.

This means that the returns generated are not eaten up by the usually high costs, but can be used by you personally without restriction.

Don't wait any longer with your Ginmon retirement plan

The right time for your investment is always now.

In just a few moments, you will be ready to go and Ginmon will take care of the rest.