January 2027
Revolutionizing State-Subsidized Pension Plans
For a long time, private retirement planning was complex, inflexible, and never truly aligned with modern standards. In partnership with J.P. Morgan Asset Management, we are changing that. We provide professional, intelligent retirement solutions designed for your future.
State-Backed Investment Incentives and Subsidies for You
State-Backed Investment Incentives and Subsidies for You
The UnitPlus pension portfolio is constructed and optimized in cooperation with J.P. Morgan Asset Management. This partnership allows us to leverage the decades of investment expertise of one of the world's most renowned financial institutions. The result is a professionally developed, high-impact, yet easily understandable portfolio suitable for both novice and experienced investors.
The UnitPlus pension portfolio is constructed and optimized in cooperation with J.P. Morgan Asset Management. This partnership allows us to leverage the decades of investment expertise of one of the world's most renowned financial institutions. The result is a professionally developed, high-impact, yet easily understandable portfolio suitable for both novice and experienced investors.
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How it works:
Active ETF Portfolios:
Invest cost-effectively and for the long term in active ETF portfolios with professional risk management
Exclusive Partner:
By partnering with J.P. Morgan Asset Management, you are collaborating with one of the most prestigious asset managers in the world.
Government Funding Opportunities:
Benefit from up to €540 in government subsidies annually
Full Control:
Deposit flexibly via a recurring savings plan or through one-off contributions
Daily interest
Invest cost-effectively and for the long term in active ETF portfolios with professional risk management
Linked to the key interest rate
By partnering with J.P. Morgan Asset Management, you are collaborating with one of the most prestigious asset managers in the world.
Government Funding Opportunities:
Benefit from up to €540 in government subsidies annually
Full Control:
Deposit flexibly via a recurring savings plan or through one-off contributions
Active ETF Portfolios:
Invest cost-effectively and for the long term in active ETF portfolios with professional risk management
Exclusive Partner:
By partnering with J.P. Morgan Asset Management, you are collaborating with one of the most prestigious asset managers in the world.
Government Funding Opportunities:
Benefit from up to €540 in government subsidies annually
High Security
Your money with UnitPlus is more secure as special assets than any bank account.
Active ETF Portfolios:
Invest cost-effectively and for the long term in active ETF portfolios with professional risk management
Exclusive Partner:
By partnering with J.P. Morgan Asset Management, you are collaborating with one of the most prestigious asset managers in the world.
Government Funding Opportunities:
Benefit from up to €540 in government subsidies annually
Full Control:
Deposit flexibly via a recurring savings plan or through one-off contributions
Calculate your total payout amount, including government subsidies and your monthly pension.
Calculate your total payout amount, including government subsidies and your monthly pension.
How the Retirement Portfolio Calculator Works
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
Professional, actively managed ETF portfolios developed in collaboration with J.P. Morgan Asset Management
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.
A strong team for highly productive retirement planning:
A strong team for highly productive retirement planning:
Over the long term, the outperformance generated by active ETFs is significantly amplified by the compounding effect, thereby supporting wealth accumulation for retirement. As a pioneer and the global leader in actively managed ETFs, we are pleased to partner with UnitPlus in developing a portfolio specifically designed for the retirement pension account.
Ivan Durdevic
Co-Head of ETF Distribution EMEA
Over the long term, the outperformance generated by active ETFs is significantly amplified by the compounding effect, thereby supporting wealth accumulation for retirement. As a pioneer and the global leader in actively managed ETFs, we are pleased to partner with UnitPlus in developing a portfolio specifically designed for the retirement pension account.
Ivan Durdevic
Co-Head of ETF Distribution EMEA
The retirement investment depot creates an outstanding incentive to channel the more than 3.6 trillion euros that Germans hold in savings products and short-term assets into the capital market in a yield-oriented manner. It is of particular importance to us, alongside UnitPlus and through our proven investment solutions, to help shape this new chapter.
Jakob Tanzmeister
Managing Director and Multi-Asset Expert
The retirement investment depot creates an outstanding incentive to channel the more than 3.6 trillion euros that Germans hold in savings products and short-term assets into the capital market in a yield-oriented manner. It is of particular importance to us, alongside UnitPlus and through our proven investment solutions, to help shape this new chapter.
Jakob Tanzmeister
Managing Director and Multi-Asset Expert
The pension investment depot represents one of the most significant state-initiated reforms to private pension provision in Germany in decades. For us, this presents a key opportunity to make professional capital market investment accessible to a significantly broader population for their retirement planning.
Fabian Mohr
Co-Founder & CEO
The pension investment depot represents one of the most significant state-initiated reforms to private pension provision in Germany in decades. For us, this presents a key opportunity to make professional capital market investment accessible to a significantly broader population for their retirement planning.
Fabian Mohr
Co-Founder & CEO
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
Download the app now!
You will receive the download link via email.
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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
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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
