New · Retirement Pension Deposit
Revolutionizing State-Subvented Pension Schemes
Up to €540 in annual subsidies.
For your future. Private pension planning has long been complicated, inflexible, and fundamentally outdated.

The state contributes up to €540 in co-payments to your retirement pension – every year*
With the new retirement savings account, the state directly subsidizes your private pension provision.
*Selected example reflecting maximum government subsidy, excluding child allowance or young professional bonus. The actual subsidy amount varies based on the contribution rate and individual circumstances. Capital investments involve risks. Past performance is not a reliable indicator of future results. UnitPlus does not provide tax advisory services. Tax treatment is subject to individual circumstances and may change over time.
You are investing
The state provides a co-contribution
+ €540 / year
Total invested
€2,340 / year
State-Backed Investment Incentives and Subsidies for You
The greater your contributions, the more government subsidies are credited directly to your investment account.
Your Deposit
Total invested
Government Subsidies and Incentives
*Illustrative representation based on current legislation; minimum contribution of €120 per year (€10 per month), maximum contribution of €6,840 per year.
How UnitPlus approaches retirement planning
We believe that private retirement planning should not be a product so complex that it requires three consultation meetings to understand.
Excluding
Complex Insurance Products
Paperwork
High Costs
Limited Transparency
High guarantee, limited return potential
In support of this
Government Subsidies and Incentives
The government provides direct subsidies to support your retirement pension planning.
Long-Term Investing
Innovative equity and bond portfolios managed with exclusive partners – instead of complex insurance products.
Fully Digitalized Digital
Execution, administration, and monitoring directly within the application.
Greater Return Opportunities
Without a mandatory 100% capital guarantee—unlike outdated traditional Riester products.
Greater Cost Transparency
Without high upfront fees.












