COMING SOON

Revolutionizing State-Subvented Pension Schemes

For your future. For a long time, private pension planning was complicated, inflexible, and somehow never truly aligned with modern standards.

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Through a state-subsidized pension plan that is digital, transparent, and yields-oriented.

Through a state-subsidized pension plan that is digital, transparent, and yields-oriented.

Calculate your total payout amount, including government subsidies and your monthly pension.

Calculate your total payout amount, including government subsidies and your monthly pension.

Your savings amount & income
285/month
10 €570 €
Annual income
Your personal details
Age at start of savings phase
I am married.
I have children.
Savings amount
Portfolio growth
Pension
Portfolio growth until retirement
Net return
4%
6%
8%
From monthly €285 to €501,578, over a savings period of 35 years.
€500,000€375,000€250,000€125,000€0
3267
Age
Retirement portfolio
Comparison portfolio
Own contributions
Share
Your retirement portfolio at a glance
Savings period of 35 years; monthly savings amount of €285; payout period of 18 years.
Portfolio value at retirement start
€501,578
+€141,028vs. comparison portfolio
Monthly pension
€2,860Net
+€405vs. comparison portfolio
Own contributions€119,700
€3,420 per year
Received subsidy€18,900
€540 per year

How the calculation works

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

€30 / month

€30
/ month

€540 / year

€540
/ year

€180 / year

€180
/ year

€100 / month

€100 / month

€1,590 / year

€1,590
/ year

€390 / year

€390
/ year

€120 / month

€120 / month

€1,890 / year

€1,890 / year

€450 / year

€450
/ year

€150 / month

€150 / month

€2,340 / year

€2,340 / year

€540 / year

€490
/ year

*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.

Who is this of interest to?

Who is this of interest to?

For all those who wish to make private provisions – but have never before found the right product.

For all those who wish to make private provisions – but have never before found the right product.

This is especially true for individuals without prior investment experience. The retirement portfolio is designed to be straightforward and easily comprehensible, while concurrently offering innovative, professional management that makes it suitable for all investor profiles, from novices to seasoned professionals.

This is especially true for individuals without prior investment experience. The retirement portfolio is designed to be straightforward and easily comprehensible, while concurrently offering innovative, professional management that makes it suitable for all investor profiles, from novices to seasoned professionals.

Early-Career Professionals

Starting early makes a substantial difference over the long term.

Early-Career Professionals

Starting early makes a substantial difference over the long term.

Early-Career Professionals

Starting early makes a substantial difference over the long term.

Early-Career Professionals

Starting early makes a substantial difference over the long term.

Long-standing tenure

Private pension plans as a supplement to the state pension.

Long-standing tenure

Private pension plans as a supplement to the state pension.

Long-standing tenure

Private pension plans as a supplement to the state pension.

Self-employed & independent contractor

Significantly broader access to the new funding program for all.

Self-employed & independent contractor

Significantly broader access to the new funding program for all.

Self-employed & independent contractor

Significantly broader access to the new funding program for all.

Register for the waitlist now and secure up to €540 per year in government subsidies from the state.

Secure early access, product launch updates for January 2027, and exclusive information on government subsidies through our newsletter.

Register for the waitlist now and secure up to €540 per year in government subsidies from the state.

Secure early access, product launch updates for January 2027, and exclusive information on government subsidies through our newsletter.

Register for the waitlist now and secure up to €540 per year in government subsidies from the state.

Secure early access, product launch updates for January 2027, and exclusive information on government subsidies through our newsletter.

Register for the waitlist now and secure up to €540 per year in government subsidies from the state.

Secure early access, product launch updates for January 2027, and exclusive information on government subsidies through our newsletter.


Still have questions? We have the answers

Finance Product of the Year 2025

disq.de

German Excellence Award 2024

deutscherexzellenzpreis.de

Qualitätssiegel 2026

bitmi.de

Daily Deposit Comparison
4.5 out of 5.0

Tagesgeldvergleich.net

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.

© UnitPlus InnoInvest GmbH 2026

Developed and hosted in Germany

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.

© UnitPlus InnoInvest GmbH 2026

Developed and hosted in Germany

Finance Product of the Year 2025

disq.de

German Excellence Award 2024

deutscherexzellenzpreis.de

Qualitätssiegel 2026

bitmi.de

Daily Deposit Comparison
4.5 out of 5.0

Tagesgeldvergleich.net

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.

© UnitPlus InnoInvest GmbH 2026

Developed and hosted in Germany

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.

© UnitPlus InnoInvest GmbH 2026

Developed and hosted in Germany