Are you prepared for anything? - With savings or reserves

Why and how much money should one set aside as a reserve or for emergencies?

During times of crisis or emergencies, it’s wise to have a certain financial reserve available. In addition to monthly planned expenses like rent, utilities, etc., unexpected events can cause a shift in financial planning. Suddenly, the washing machine breaks, and the car also needs to go to the shop.

For such cases, the consumer advice center recommends having two to three net salaries set aside to ensure a stable safety net

This is how reserve planning works

Do you prefer short-term investments that are quickly accessible

Step 1

Needs Analysis : How large should your liquidity reserve be?
Step 2

Investmentplan: How quickly should a given investment be liquidated? Determining which short-term investment instruments are used.
Step 3

Continuous Adjustment: Review and adjustment of reserves in case of changed life or income situations.

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Your Investment is a special asset

Your investment is treated as special assets. Therefore, even in the event of insolvency of Ginmon or the partner bank, you are 100% protected.”

EU Deposit Guarantee

In addition, the money you deposit into the clearing account is subject to the EU deposit guarantee and is thus also protected against default risks.”

Liquid yet stable in value

With , you invest your money in a European money market fund and benefit from attractive interest rates. The money market, such as call money accounts, time deposit accounts or money market funds, is considered the least risky asset class.

Ginmon TopZins-EU

Terms & Conditions

Interest rate 3,73 % p.a.
Investing in European money market
No maximum amount, no term
Can be deposited and withdrawn at any time
Unlimited protection as a separate asset
Also for corporate clients (incl. full hedging)

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Questions we hear on the phone almost daily

How does Ginmon TopZins work?

In a savings account, money market account, or term deposit, you deposit your money with a bank. In essence, the bank borrows your money to use.

For this, banks often pay little to no interest.

On the other hand, Ginmon TopZins invests your money in the money market. Money market funds are considered liquid and value-stable financial instruments, much like bank deposits (daily funds, other sight deposits, savings accounts) and cash. With money market funds, you can directly benefit from attractive interest rates - without going through a bank.

Is there a specified duration for which the balance must be invested?

No, there is no specified duration. Your investment is designed to be maximally flexible, and a withdrawal request can be made daily.

Is my balance securely invested and how is it protected?

Your money is invested in an ETF and is protected regardless of the investment amount. According to German law, ETF investments are treated as separate special assets, ensuring that your investment remains your protected property in the event of insolvency of the fund company, the custodian bank, or the asset manager. Additionally, in Germany, ETFs are subject to state approval and supervision, making them one of the safest forms of investment available.

Is the interest rate fixed?

We guarantee the interest rate until the time of a withdrawal. The only exception is if there is an adjustment to the Euro Short-Term Rate (€STR) by the European Central Bank prior to a withdrawal date. In that case, we will review whether an adjustment might be necessary.

When will I receive my interest?

Interest earnings are calculated daily and automatically reinvested. Therefore, the expected interest return is already included in the investment's performance. The value of your investment thus changes on a daily basis. As soon as a withdrawal is made, the interest return is realized.