ginkgo Betriebliche Vorsorge
Digital, ETF-based occupational pension plans without commissions.
| Date | Investors | Amount | Round |
|---|---|---|---|
| investor investor investor | €0.0 | round | |
N/A | Seed | ||
| Total Funding | 000k | ||
ginkgo Betriebliche Vorsorge GmbH is a financial technology company digitizing company pension schemes in Germany, targeting small and medium-sized enterprises (SMEs). Founded in Berlin in 2024 by Dr. Philip Liebenow and Carl Meran, the company aims to modernize the traditionally complex and costly field of occupational pensions. Liebenow previously served as Head of Operations at Trade Republic, and Meran has a background with Boston Consulting Group; their shared experience informs the company's mission to address Germany's pension gap.
The company launched with €1.6 million in pre-seed funding in a round led by Caesar, with participation from investors including Calm/Storm, heartfelt, and NCA. ginkgo's core product, which launched in the spring of 2025, is a digital, ETF-based company pension plan provided in a streamlined insurance wrapper. This model eliminates sales commissions and reduces costs, offering a transparent, high-yield alternative to traditional pension products. The platform is designed to automate administration for employers and includes a user-friendly app for employees to track their investments and adjust contributions.
ginkgo's business model focuses on providing value through a combination of modern financial products and software, creating a beneficial package for both companies and their employees. It partners with established financial service providers for its ETF offerings, including UBS, iShares by BlackRock, and Amundi, with myLife serving as its insurance partner. By making occupational pensions more accessible and efficient, ginkgo helps companies offer attractive compensation packages to combat employee turnover while enabling employees to build wealth and address personal pension shortfalls.
Keywords: occupational pension, betriebliche Altersvorsorge (bAV), digital pension platform, ETF-based pension, employee benefits, InsurTech, FinTech, retirement planning, SME financial services, company pension schemes, pension automation, commission-free pension, retirement savings, wealth building, HR technology, employee retention, compensation packages, myLife, Trade Republic, Boston Consulting Group