Protect savings from inflation

For those who do not want their money to lose value. With the right ETF strategy.

The most important in a nutshell

Inflation compensation instead of zero interest and loss of value

Life is becoming more expensive, while the money on the bank account is not increasing. This is no longer a secret. The optimal way to increase your money is to invest broadly in the capital market. The European Central Bank is aiming for inflation of around 2 %. If you want to increase your money effectively, you have to achieve a return above inflation.

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blue 88,6 % Globally diversified bonds

yellow 6.6 % Globally diversified equities

green 4.8 % Raw materials

Low fluctuation despite annual return?

Unlike other ETF strategies, the savings account focuses on relatively conservative investments in government bonds with only a small share of equities.
This reduces the natural portfolio fluctuations and the portfolio achieves an expected return that is above the long-term average inflation.

We have been managing ETF accounts since 2015, which now total 250 million euros

EU deposit insurance

The settlement account is subject to the EU deposit insurance. This ensures repayment claims of up to €100,000 by customers against credit institutions.

Your money is a special fund

Your investment is treated as a special fund. This way you are 100 % protected even in case of insolvency of Ginmon or the partner bank.

Question we hear on the phone almost every day

How does the Ginmon savings account work?

With a savings book, call money and time deposit, you place your money with the bank. The bank uses this money. In short, you lend the bank your money, and until a few years ago you were paid interest on it.

However, since banks have more money than ever at their disposal, and sometimes even have to pay custody fees (colloquially known as penalty interest) to the central bank, they pay you little or no interest. In the worst case, at the end of the day you pay part of the penalty interest and thus reduce your assets.

The Ginmon savings account, on the other hand, invests your money in the capital market and is specially adapted to the needs of a saver. Thus, your savings account value fluctuates only within a small range and aims for steady upside potential that offsets inflation in the long run.

How does the Ginmon savings account perform when interest rates rise?

To make the savings account as volatile as possible, Ginmon invests in bonds, among other things. If interest rates rise, the value of a long-term bond falls.

Therefore, Ginmon makes sure to invest only in bonds with short maturities so that the value of your deposit can remain more stable.

In which assets is the Ginmon savings account invested?

The Ginmon savings account is a very conservative investment strategy that relies primarily on very short-dated government bonds with the highest bond ratings. The equity quota is only around 6.60%.

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