Traditional company pension plans (bAV) often add little value. We are changing that - with ginkgo bAV.
ETF-based. Commission-free. Fully digital.
Nach EU-Standard
Mit Sitz im Herzen von Berlin
Als Versicherungsmakler gemeldet bei der IHK Berlin
Nach EU-Standard
Mit Sitz im Herzen von Berlin
Als Versicherungsmakler gemeldet bei der IHK Berlin
Company pensions (bAV) often are not yet a valuable part of compensation for SMEs. Why is that?
Expensive bAV Contracts
Lack of transparency and high costs
Push 1:1 Sales
Hidden sales commissions
Weak User Experience
One letter per year - pension “out of mind”
High Admin Effort
Complex implementation
For company pensions to become a truly valued part of compensation, modern high-performing financial products are needed - that are fully visible to employees.
Modern Financial Product
Commission-free and ETF-based - for better returns & higher pensions
Innovative App for Employees
For real-time transparency on company pensions at all times
Digital Platform for People/HR
For maximum efficiency — unlocking the full bAV potential
Efficient Rollout in the Company
For maximum impact with minimum effort
The ginkgo bAV is a modern financial product: ETF-based, commission-free and with low running costs. Because bAV also deserves modern financial products.
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With the ginkgo app, employees have 24/7 access to their company pension, with full transparency regarding contributions and fees. This keeps bAV always top-of-mind and allows for easy and flexible management, such as adjusting contribution at any time.
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On the ginkgo platform for people/HR, all events relating to bAV are automatically recorded and processed digitally. Integration with HRIS & Payroll takes <30 minutes. This keeps the BAV expenditure for people/HR to a minimum.
Learn moreUsing an API or ASCII interface, ginkgo can be integrated with over 40 HRIS and payroll systems — for maximum quick set-up.
ginkgo supports or takes over the entire launch process. With suitable materials and launch sessions, tailored to the company — for effective and authentic communication.
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Our team of experts is always available to answer technical or technical questions about bAV — before and after the launch. This is how ginkgo companies are taking the issue of bAV off the table.
Learn moreTogether with the company, ginkgo defines the optimal BAV program — with professional expertise, market benchmarks and, if necessary, budgeting support.
ginkgo takes over the complete technical set-up, including seamless integration with existing HR and payroll systems.
ginkgo takes care of the planning and provides communication materials and formats to optimally prepare employees & HR teams for the launch.
The new bAV goes live — and ginkgo takes over the launch presentation, Q&A sessions and employee activation. For a successful start.
As an investor, we support ginkgo because they have created the modern solution for bAV: completely digital and cost-effective. And as an employer, we use ginkgo bAV for our team — against the pension gap, for more pensions.
With ginkgo, we offer a modern bAV: fully digital, quickly implemented, professionally set up, minimal admin effort - and very well received by our employees.
