Investing VL in ETFs free of charge

Profit from up to €480 per year in addition to your salary. 

VL flexible into the ETF account

Permanently free ETF account for VL.

Instead of investing in low-interest home savings contracts or bank products with your VL allowance, switch to a high-yield ETF savings plan. A change is possible at any time.

Bank deposits
ETF VL account
Building savings contract

Why are so many investors convinced by ETFs?

This can be explained quite simple: ETFs invest in many different stocks, bonds, commodities or real estate at once. By combining the right ETFs, you invest in thousands of individual stocks, diversifying across many countries, industries and asset classes.

ETFs are the easiest way to invest in the global economy without the risk of individual stocks alone. If the global economy rises, the respective ETF portfolios follow accordingly.

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Asset classes:Amount:
blue-800Stocks40% (€56,800)
purple-100Bonds30% (€42,600)
green-10Real estate15% (€21,300)
peach-crayolaRaw materials15% (€21,300)

The most important facts about the VL account


What happens to the VL account when I change employer?

You can easily transfer the payments of the capital-forming benefits to your new employer. If your new employer does not offer capital-forming benefits, you can pay the contributions into the VL account yourself. Our service is available to support you at any time.

What is the advantage of an ETF savings plan over building savings contracts / bank deposits?

Due to the current interest rate situation, home savings contracts and bank deposits hardly yield any returns. Therefore it makes sense to invest your capital-forming benefits in the capital market, as is done at Ginmon. After all, you want your savings to continue to grow in the long term.

What are capital-forming benefits?

Capital-forming benefits (VL or VWL) are cash benefits from the employer, either on a voluntary basis or on the basis of a regulation in the collective agreement or employment contract. The employer's cash gift must be paid into a specific form of investment. Per month, the employer can add up to €40 to your gross salary. Whether and how much your employer pays is usually regulated in the employment or collective agreement.

I already have a VL contract but would prefer to use the Ginmon VL.

You can easily change your VL contract.
You inform your employer that the capital-forming benefits should now be paid into the Ginmon VL account. Of course, you will receive the written notification from us.
In this case, the first VL contract will no longer be saved and the capital-forming benefits will be paid into the Ginmon VL account. You can have the old VL contract paid out after the lock-up period has expired.

What do I have to do to get started?
To find out whether you receive capital-forming benefits, ask your HR department or look in your employment contract or collective agreement. If your employer pays you VL, open your VL account with Ginmon. After opening the account, you will automatically receive a document on which you will find the IBAN of the account. You give this document to your employer and let the VL payments run to your account.
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