ginkgo case studies | How leading companies use modern bAV

FINDE antworten auf häufig gestellte fragen

FAQ

ginkgo bAV differs from many typical company pension offerings in four ways:

‍No commissions: There are no acquisition or sales commissions.‍
Transparent, low costs: Effective costs from 0.67% per year. All costs are shown individually and transparently in the app. ‍
ETF-based investment: The return engine of ginkgo bAV is a globally diversified ETF – unlike traditional company pension contracts, which are often based purely on traditional insurance tariffs. Only the part of each contribution needed for the contribution guarantee goes into the insurer's security assets (the closer retirement, the larger this part). The surpluses from the security assets also flow into the ETF. The ETF share of the contract balance rises over the term and typically lies between 50% and 90% at the start of retirement, depending on the term and market performance.¹
Fully digital sign-up and administration: Employees sign up for their company pension online and manage it via the ginkgo app. Contributions can be adjusted monthly free of charge. HR teams can also manage everything digitally via the ginkgo platform – including integration with the HR system and payroll.

For companies, this means: a modern financial benefit for the workforce with minimal administrative effort.

¹ ETF share: 60% contribution guarantee, ETF return 4–8% p.a., term 15–47 years.

Leading companies are modernizing their company pensions with ginkgo

Discover the modern bAV with ETFs

FAQ

Leading companies are modernizing their company pensions with ginkgo

A compelling concept for modern company pensions

Attractive company pensions for category-defining FinTech

Digital, modern company pensions - with 3x uptake

Unlocking full potential through company pension modernization

Equipping the entire team with a modern company pension

Discover the modern bAV with ETFs

FAQ

How does ginkgo bAV differ from typical market offerings?

Does ginkgo bAV charge upfront commissions?

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