What Ginmon does

Ginmon is a Frankfurt-based, BaFin-licensed digital wealth manager (robo-advisor) founded in 2014 that offers fully automated, algorithm-driven portfolio management to retail investors, SMEs, and - via its B2B platform - independent financial advisors across Germany and Continental Europe. The platform is built on AWS infrastructure hosted exclusively in Frankfurt (ISO 27001/27017/27018, PCI DSS Level 1) and executes evidence-based strategies rooted in the Fama-French Three-Factor Model (Value and Size factors), daily systematic rebalancing, BIP/GDP-weighted country allocation, and automated tax-loss harvesting, embedded in low-cost ETFs (TER 0.09-0.16% after the 2026 refresh). Product surface spans Ginmon Invest (Global and Green strategies across 10 risk classes), TopZins (money-market savings tied to ECB rates), VL, Junior, Motive, Company, and Pension, with a subsidised retirement depot planned for 2027.

The company monetises through AUM-linked service fees (0.30% p.a. on TopZins) and embedded ETF TER margins, and runs a product-led growth motion: under-3-minute digital onboarding, video KYC via POSTIDENT, native iOS/Android apps, optional personal advisor above €50k, and a separate IFA-facing brand (APEIRON Wealth Management) and tech platform (ginmon.tech). Ginmon manages approximately €500M in assets across 11+ countries, is profitable at the group level as of 2025, and reports over 500 positive German media mentions and awards including the Handelsblatt Robo-Advisor-Test 2025. It is a subsidiary of the holding company Ginmon GmbH, led by founders Lars Reiner and Ulrich Bauer.

Name

Ginmon

Legal name

Ginmon Vermögensverwaltung GmbH

Website

https://ginmon.de

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Ginmon is a BaFin-regulated German robo-advisor offering automated, factor-based ETF wealth management to retail and SME customers across 11+ European countries, with approximately €500M AUM and a separate B2B platform for independent financial advisors.

Ownership category

akta.pro rank

Product category

Digital Wealth Management

NAICS

Portfolio Management and Investment Advice (52394), Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Robo-Advisors & Digital Wealth Managers (FSAAAAAD)

akta.pro secondary industries

Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE), Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK), Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH)

Keywords

• Robo-advisor services
• Digital wealth management
• Automated portfolio management
• ETF investment platform
• Factor investing

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Assets Under Management (AUM) Fees: Ginmon charges ongoing service fees on assets under management. For Ginmon TopZins, the service fee was reduced to 0.30% p.a. The fee model is tied to the value of managed assets, aligning the company's interest with client portfolio growth.
2. ETF Cost Margins (TER-based): Ginmon selects and embeds cost-optimised ETFs in client portfolios. After the 2026 strategy update, the Global strategy TER ranges from 0.09% to 0.15%, and the Green strategy TER ranges from 0.14% to 0.16%, representing cost reductions of approximately 30% from prior versions.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Ginmon is a BaFin-regulated digital wealth manager (robo-advisor) that provides fully automated, algorithm-driven portfolio management for retail and corporate clients using low-cost ETFs. Investment strategies are built on the Fama-French Three-Factor Model with Value and Size factors, daily systematic rebalancing, and GDP-weighted country allocation, delivered through a web app and iOS/Android mobile apps with optional human advisor support above €50,000.

Product overview

Ginmon is a digital wealth management platform (robo-advisor) offering fully automated, algorithm-driven portfolio management. The core platform is organized around multiple branded investment products: the flagship Ginmon Invest (Global and Green strategies with 10 risk classes), Ginmon TopZins (high-interest savings account), Ginmon VL (investment of employee capital-forming benefits), Ginmon Junior (ETF savings for children), Ginmon Motive (thematic investing in trends), Ginmon Company (cash and asset management for businesses), and Ginmon Pension (retirement savings depot). The platform is regulated by BaFin, manages approximately €500 million in assets, and operates from Frankfurt am Main.

Differentiator

Problem solved

Functional benefit

Brands

• Ginmon Invest: Core investment product for building and professionally managing wealth using ETFs and automated portfolio management.
• Ginmon TopZins
• Ginmon VL
• Ginmon Junior
• Ginmon Motive
• Ginmon Company
• Ginmon Pension
• Ginmon Green

Products and services

• Ginmon Invest Core robo-advisor offering providing automated, algorithm-driven portfolio management using scientifically grounded factor investing (Fama-French Value and Size factors) and low-cost ETFs, with 10 risk classes (Global 0–10) including growth-oriented Global 10 and conservative Global 5 variants, plus sustainable Green 5 and Green 10 variants.
• Ginmon TopZins Money-market savings product offering a variable interest rate of currently 2.25% p.a. (linked to €STR plus 0.085%), with a reduced service fee of 0.30% p.a., designed for parking cash reserves or short-term savings within the Ginmon platform.
• Ginmon VL Product enabling German employees to invest their Vermögenswirksame Leistungen (government-supported employee capital-forming benefits) into ETFs through Ginmon's automated portfolio management.
• Ginmon Junior ETF-based long-term savings product for parents and grandparents to invest for children and grandchildren, offering diversified portfolios with tax-advantaged compounding over the long term.
• Ginmon Motive Thematic investing product allowing customers to invest in specific growth trends and themes (e.g., electric vehicles) as satellite portfolio components alongside a core diversified strategy.
• Ginmon Company Fully digital cash and asset management solution for businesses, providing automated corporate treasury management on the Ginmon platform.
• Ginmon Pension Retirement savings depot (Altersvorsorgedepot) for long-term wealth building and targeted retirement planning, with a state-subsidised version including payout plan announced for 01.01.2027.
• Ginmon Green Strategy Update 2026 Updated Green investment strategies applying Fama-French Value and Size factor investing to sustainable/ESG portfolios with reduced TER of 0.14%–0.16%, launched as part of the 2026 strategy refresh.

Quantifiable outcome

• Global 10 achieved +134% cumulative return since inception (2016 to end of 2025), outperforming MSCI World (-2.80%) in Q1 2025 and limiting losses during market downturns
• +5 more outcomes

Named customers3 records

Segments8 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability3 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• AWS (Amazon Web Services EMEA SARL)coreTechnology or IntegrationGinmon uses AWS data centers (Frankfurt, ISO 27001/27017/2018, PCI DSS Level 1 certified) for hosting its platform. AWS processes and stores customer data exclusively in a German data center. EU Standard Contractual Clauses (SCC) are in place for any data transfers to the USA.
• Deutsche Post AGcoreTechnology or IntegrationDeutsche Post's POSTIDENT procedure is used for customer identity verification (KYC/AML compliance). POSTIDENT supports online identification via eID (electronic ID), video chat, or at a post office branch. Deutsche Post transmits identification data, ID document copies, and visual/audio recordings to Ginmon.
• Ginmon GmbH (Parent Company)coreTechnology or IntegrationTechnical customer support, marketing, and IT development are outsourced to the parent company Ginmon GmbH. Ginmon Vermögensverwaltung GmbH (the regulated entity) has a contract with Ginmon GmbH obligating it to maintain EU data protection standards.
• Partnerbank (Custodian Bank)coreStrategic or Co-development PartnerClient securities are held in custody at Ginmon's partner bank. Assets are classified as 'Sondervermögen' (segregated assets), protected under EU deposit insurance. If the partner bank becomes insolvent, client assets are automatically transferred to a bank of the client's choice.
• Deutsche Bundesbank / BaFincoreOthersGinmon is regulated by the German Federal Financial Supervisory Authority (BaFin) as a securities institute (Wertpapierinstitut) and by Deutsche Bundesbank (Hesse headquarters). The company has received official permission to provide securities services from BaFin.

Scale indicators7 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Scalable Capital: Munich-based robo-advisor and broker offering automated ETF portfolios and a B2B platform (White Label) for banks and IFAs; the most direct German competitor to Ginmon across both D2C wealth management and the advisor technology channel.
• Wealthfront: US-headquartered pioneer of automated factor-based portfolio management at scale; the most-cited global reference point for the Ginmon model in product mechanics, AUM-fee monetisation, and target customer.
• Betterment: US robo-advisor offering automated diversified portfolios with tax-loss harvesting, goal-based planning, and a hybrid advisor tier; directly comparable in product feature set to Ginmon Invest, particularly on automation, daily rebalancing, and tax optimisation.
• LIQID: Berlin-based digital wealth manager providing semi-automated and discretionary portfolio management to affluent German retail clients; directly comparable in target customer, fee model, and product positioning to Ginmon Invest.
• Quirion: Quirin Privatbank-owned robo-advisor offering factor-based, scientifically grounded ETF portfolios in Germany; overlaps with Ginmon's evidence-based factor-investing positioning and B2C onboarding model.
• Visualvest: Frankfurt-based robo-advisor subsidiary of Union Investment/Genossenschaftliche FinanzGruppe, offering automated ETF portfolios to retail and cooperative-banking clients in Germany; competes with Ginmon in the digital wealth space.

Emerging players

• Trade Republic: Berlin-based neobroker offering commission-free trading, savings plans, and a recently expanded managed-portfolio product; competes for the same price-sensitive German retail investor and threatens Ginmon's cost-leadership narrative.
• Finanzen.net Zero: German commission-free broker with managed portfolio product; competes for the same retail investor audience in Germany and is backed by a major financial media brand.

Broad incumbents

• Robeco (RobecoSAM/OAM): Dutch global asset manager with a strong factor-investing and sustainable (SI) franchise, relevant to Ginmon's factor and ESG strategies as a larger, well-established reference point in the same investment philosophy.
• Vanguard Personal Advisor: Global low-cost asset manager and factor-investing pioneer with a hybrid digital-plus-advisor wealth service; broader incumbent comparable to Ginmon on cost efficiency and factor methodology, though operating at vastly larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ginmon

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ginmon