The Ginmon
fee model:

Your success is our main incentive.

A low basic rate and a performance-based participation - we are in this together with our customers.

Our service fee

Basic rate

0.39 %

of your invested amount per year
learn more>

ETF costs

0.24 %

average ETF costs per year
learn more>

Performance fee

1/10

of the profits realized – only if and
when a new high is reached
learn more>

Full transparency

No hidden costs

Full transparency

No hidden costs

No transaction costs

There are no additional costs of securities in your portfolio are bought or sold.

Payments are free of charge

You can make deposits and withdrawals free of charge at any time. Even changing the savings rate is free of charge.

Account closure is free of charge

In case you don’t need your Ginmon account anymore, you can close it at any time and
withdraw the entire amount you have invested, free of charge.

service charge

Our service fee

Basic rate

0.39%

of the invested amount per year

learn more

Performance fee

1/10

of the profits realized - only if and when a new high is reached

learn more

Our service fee

Basic rate

0.39%
of the invested amount per year

learn more >

ETF Costs

0.24%
average ETF costs per year

learn more >

Performance fee

1/10
of the profits realized – only if and when a new high is reached
learn more >

Basic fee

Basic fee

Since Ginmon aggregates the security purchases and sales of all customers, individual portfolio management is less expensive than if you act on your own.

The basic fee covers any costs arising from portfolio management and transactions.

In this way, Ginmon warrants a choice of investment vehicles that is 100% independent and free of any commissions.

The minimum basic fee is €1.50 per month.

How much is the basic fee for me?

Your investment amount:

0.00
1,000 €
50,000 €
100,000 €
1,000,000 €

Ginmon basic fee

0.00

at 0.39% p.a.

customary fee

0.00

at 1.88% p.a.

Profit share

A fee model that
represents your customer interests.

We are in the same boat with our customers and only if they generate a profit, so do we.

Therefore, your deposit will not have to incur any extra charges during weak market periods.

How is the profit share calculated?

Our profit share is calculated through the so-called High Water Mark approach.
Only if you realize a return which exceeds your all-time high, Ginmon receives 10% of that profit.

Of course, the profit share is calculated after the basic fee is deducted.

 

Profit share

A fee model that represents your customer interests.

We are in the same boat with our customers and only if they generate a profit, so do we.

Therefore, your deposit will not have to incur any extra charges during weak market periods.

How is the performance fee calculated?

Our profit share is calculated through the so-called High Water Mark approach.
Only if you realize a return which exceeds your all-time high, Ginmon receives 10% of that profit.

Of course, the profit share is calculated after the basic fee is deducted.

 

ETF Costs

Compared to other investment vehicles, ETFs and index funds are characterised by low fee structures. The average fund fee (TER) per year across all funds and strategies is 0.22%. The fund provider directly subtracts the fee from the net asset value (NAV). Additionally, due to bid-ask spreads trading costs of 0.02% per year can be expected*. Our proprietary algorithm apeironenhance enables us to minimize portfolio turnover and thus, trading costs of our portfolios are typically significantly lower than those of comparative providers.

Additional information to the indicated trading costs
The indicated trading costs are calculated as the average across all strategies and assuming annual portfolio turnover of 15% of the portfolio value at the beginning of the year. Trading costs refer to the average bid-ask spread of our ETFs during the first quarter of 2018 on Xetra (source Bloomberg). Actual bid-ask spreads may be different.

ETF Costs

Compared to other investment vehicles, ETFs and index funds are characterised by low fee structures. The average fund fee (TER) per year across all funds and strategies is 0.22%. The fund provider directly subtracts the fee from the net asset value (NAV). Additionally, due to bid-ask spreads trading costs of 0.02% per year can be expected*. Our proprietary algorithm apeironenhance enables us to minimize portfolio turnover and thus, trading costs of our portfolios are typically significantly lower than those of comparative providers.

Additional information to the indicated trading costs
The indicated trading costs are calculated as the average across all strategies and assuming annual portfolio turnover of 15% of the portfolio value at the beginning of the year. Trading costs refer to the average bid-ask spread of our ETFs during the first quarter of 2018 on Xetra (source Bloomberg). Actual bid-ask spreads may be different.

Frequently asked questions

How can the fees be paid?

The fees are charged on a quarterly basis directly in your Ginmon account. Any action from you is not necessary.

To avoid unnecessary sales a small amount of liquidity reserve is however maintained.

Are further deposits and withdrawals free of charge?

You can make deposits and withdrawals free of charge at any time.
There are no additional costs.

Can I change the selected investment strategy?

Yes, you can change the selected investment strategy free of charge at any time.
No costs will be charged.

Is there a minimum term?

No, the closure of your Ginmon account is possible free of charge at any time.
There are no additional costs.

Are there any set-up costs or charges for changing the savings rate?
No, you can change your savings rate free of charge at any time or even reduce it to € 0 as long your investment amount is more than € 5,000.
What happens if the value of my account falls below the minimum investment amount due to value fluctuation?

No problem.
There are no margin calls or similar claims.

  

 

 

Mainzer Landstraße 33a
60329 Frankfurt am Main
Phone +49 69-15322-7340