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.
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.
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.
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.
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.
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.
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.
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.