At some point, every successful company will inevitably face a critical question: what do we do with our cash? Whether this cash came through operational income or other revenue streams, SMEs and companies in general should once in a while rethink their current strategy and weigh out different options and new opportunities from time to…
On Wednesday, August 14th, we had the privilege of hosting a webinar with Tom Griffiths, a seasoned Portfolio Manager at Goldman Sachs Asset Management (GSAM). For those who couldn’t join us live, this blog post captures the essence of the discussion, highlighting the most important insights and takeaways. The session began with an introduction to…
With the interest rate cut of 25 basis points on June 6, 2024, the ECB’s rate hike cycle has officially come to an end. Previously, the ECB had raised interest rates by a total of 4.5% or 450 basis points within 14 months. This followed for more than a decade of almost continuous interest rate…
Investing can seem intimidating, especially for young people who are just beginning to plan their financial future. However, long-term investments can offer significant benefits through the power of compound interest. This is where ETFs (Exchange-Traded Funds) come into play, providing a simple way to acquire a broadly diversified portfolio. In this article, I’ll explain why…
Money market funds are a crucial component of the financial system, providing liquidity and stability for various investors. This article explores what money markets are, the key players involved, and the benefits of investing in these funds. What are Money Markets? The money market is a vital segment of the financial markets, facilitating short-term borrowing,…
Earlier this month, the European Central Bank (ECB) cut its interest rates by 25 basis points (bps) for the first time since 2019. This significant move marks a potential shift in monetary policy, with experts predicting further rate cuts later this year, possibly another 25 bps in September or December. But what does this mean for your small business…
Since the start of the interest rate turnaround in July 2022, over 180 billion euros have flown into fixed-term deposits in Germany. With two-year fixed-term deposits, you can currently enjoy an average of 2.46% interest per year (as of September 17, 2024). This makes fixed deposit accounts a sensible addition to daily savings in the…
For some months now, savers have again enjoyed rising interest rates. Especially the overnight deposit account is enjoying strong growth in Germany. With CashPlus, UnitPlus has developed a globally innovative call money 2.0 superior to traditional call money accounts. Today, we will examine why this is the case in greater detail. Introducing the classic call…
UnitPlus Business is becoming increasingly popular as a solution for modern liquidity management for German SMEs even before its launch. The product has now even been awarded the German Excellence Prize 2024. For us at UnitPlus, one thing is clear: German SMEs are excellent. That is why we don’t only want to win prizes with UnitPlus Business, but…
The UnitPlus Mountain portfolios are particularly suitable for long-term asset accumulation and were recognized as the best investment newcomer of 2023 in Germany last summer by the Institut für Vermögensaufbau. To ensure the portfolios achieve attractive long-term performance with moderate capital market risk, we constantly review the composition of the portfolios and optimize them if…
Berlin / Frankfurt, 26th of March 2024 UnitPlus is building and distributing a liquidity management solution for small and mid-sized German companies (SMEs), which will include a Goldman Sachs Asset Management managed fund solution. While historically almost exclusively large corporates with their financial and investment expertise and respective internal resources were able to invest company…
With the imminent market launch of UnitPlus Business, UnitPlus is taking liquidity management for German SMEs to a new level. What makes the money market so interesting for modern liquidity management is shown in two exciting graphics, which we examine in more detail below. Money invested in the money market increases significantly during times of…