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ginkgo

ginkgo

Modern occupational retirement plans – Minimal effort. Higher pension.

ginkgo offers a modern, ETF-based, commission-free corporate pension plan (bAV) featuring an app for employees and a digital platform for HR. The solution integrates with common HRIS and payroll systems in under 30 minutes, automates administration and communication, and supports companies with the launch, including materials and training sessions. GDPR-compliant, meets EU standards, “Made in Germany,” and registered as an insurance broker with the Berlin Chamber of Commerce and Industry (IHK Berlin).

Compensation & Benefitssaas
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Use Case

ginkgo addresses the insufficient uptake and often low appeal of occupational pension plans (bAV) in Germany. With ginkgo, companies—especially SMEs—can offer modern, cost-effective, transparent, and easy-to-use pension and wealth-building solutions as an integral part of their compensation packages. Employees build up assets with tax advantages, reduce the pension gap, and benefit from employer contributions. HR/People teams reduce administrative burdens, increase retention, and strengthen financial well-being. Typical problems: high sales commissions/ongoing costs in traditional occupational pension plans, poor UX/transparency, low employee appreciation, and a lack of flexibility in response to life events. Source: https://www.ginkgo-hq.de/ueber-uns

Automation and relief for People/HR teams in all administrative tasks related to corporate pension plans (bAV). Typical problem areas: high manual effort for new hires, salary/contribution changes, absences (e.g., parental leave, sabbatical), company or job changes; scattered documents and lack of transparency regarding existing contracts; complicated coordination with payroll; unused government subsidies under Section 100 of the German Income Tax Act (EStG) for low-income earners. The platform digitizes the entire occupational pension lifecycle, consolidates portfolios, integrates quickly with HRIS and payroll systems, and makes occupational pension rules—such as vesting—transparent—resulting in reduced administrative effort, improved employee retention, and maximum utilization of the occupational pension’s potential.

Target Audience

Companies of all sizes, with a focus on SMEs, that wish to modernize their occupational pension plans and financial benefits; HR and people teams; compensation and benefits managers; and employees in Germany who want to save for retirement efficiently and transparently. Source: https://www.ginkgo-hq.de/ueber-uns

Target Segments

KMU

Source URLs

  • https://www.ginkgo-hq.de/ueber-uns