ETF-based bAV without commissions

Name: ginkgo bAV
Brand: ginkgo
Availability: InStock
Rating: 5 (2 reviews)

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

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 0.12%. ginkgo offers a broad selection of over 200 ETFs and funds.

High flexibility

Flexible & fair conditions

Contributions to ginkgo bAV can be adjusted monthly, paused at any time, or made as one-off contributions. The ETF can also be changed once a year. At payout, ginkgo offers flexible withdrawal options as well — for a company pension scheme that adapts to changing life situations.

Low costs

Fair & transparent fees

ginkgo's goal is to deliver a high-return retirement solution — without hidden costs. This means: full cost transparency and low ongoing fees (account fee: 0.6% per year; contract fee: €1 per month, increasing to €3 per month from year 3), resulting in effective costs typically below 0.9% per year.

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
Structurally very good equity base (Solvency ratio 209% in 2024)
Ongoing supervision by the German Federal Financial Supervisory Authority (BaFin)
Statutory protection through Protektor Lebensversicherungs-AG

Customer Testimonials

What customers say  about us

An employer-financed bAV has long been part of our comp packages. Together with ginkgo, we’ve now modernized it - making it digital, transparent, cost-efficient, and ETF-based. Effortlessly contemporary - reflecting the work we create for our clients

Astrid Saminejad

Founder & Managing Director

With ginkgo, we can offer our finance-savvy workforce a very attractive pension plan — which at the same time fully meets our high compliance and information security requirements.

Tobias Auferoth

Founder & MD at Upvest