ETF-based bAV without commissions

bAV finally needs modern financial products

For bAV to become a truly valued part of compensation, it needs to create real value for retirement — and make that visible to employees on an ongoing basis. The ginkgo bAV is commission-free and ETF-based, offering low running costs and a high degree of flexibility.

Case StuDy
Case StuDy
Case STudy
Modern financial product

Commission-free - for higher returns

ginkgo bAV is a commission-free insurance plan. This means: No upfront sales commissions that significantly reduce the contract value — for higher returns right from the start.

Logos der ETF-Anbieter Amundi, BlackRock iShares und UBS, die in der ginkgo bAV verfügbar sind
ETF-based

ETFs from leading providers

ETFs are often the means of choice for long-term investments and have historically delivered strong returns. All ETFs available in the ginkgo bAV are globally diversified with low costs starting at 0.07%. ginkgo offers a broad selection of over 200+ ETFs and funds.

Experience the ginkgo app & platform

Discover the modern bAV with ETFs

TALK TO US
Visualisierung der ginkgo bAV-Beitragsstruktur: 40 Euro Eigenbeitrag plus 8 Euro Arbeitgeberzuschuss können 90 Euro Monatsrente ergeben
high Flexibility

Flexible & fair terms

Contributions to the ginkgo company pension can be adjusted or paused every month, or done via one-off contributions. The chosen ETF can be switched once a year. And when it comes to payout, the ginkgo company pension offers flexible options too. A company pension that adapts as life changes.

Visualisierung der transparenten Gebührenstruktur der ginkgo bAV: Geringe Kosten und volle Transparenz
low costs

Fair & transparent fees

ginkgo’s goal is retirement savings with strong returns, without hidden costs. That means full cost transparency and low ongoing fees (balance fee: 0.6% per year; policy fee: €1 per month, €3 per month from year 3), resulting in effective costs from 0.67% (depending on contribution, term and chosen ETF).

A modern insurance partner

With myLife Lebensversicherung AG from Göttingen — part of the IDEAL Insurance Group — ginkgo partners with an innovative provider for pension solutions

  • Focus on commission-free so-called "net insurance" products

  • Top ratings from independent rating agencies

  • Ongoing supervision by the German Federal Financial Supervisory Authority (BaFin)

  • Statutory protection through Protektor Lebensversicherungs-AG
    als Verwalterin des gesetzlichen Sicherungsfonds

Customer Testimonials

What customers say about us

FINDE antworten auf häufig gestellte fragen

FAQ

Hat ginkgo Zugang zum Kapital der Mitarbeitenden?

Wer bestimmt die Vorauswahl der ETFs und Fonds?