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 Private pension planning has long been complicated, inflexible, and fundamentally outdated.

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Introducing the retirement pension portfolio:

Introducing the retirement pension portfolio:

A new state-subsidized pension scheme designed to simplify long-term investing - digital, transparent, and yield-oriented.

A new state-subsidized pension scheme designed to simplify long-term investing - digital, transparent, and yield-oriented.

UnitPlus is already working to offer one of the first and most innovative digital pension portfolios in Germany starting in January 2027.

UnitPlus is already working to offer one of the first and most innovative digital pension portfolios in Germany starting in January 2027.

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.

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

€150 / month (€1,800 / year)

€150 / month (€1,800 / year)

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

€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

€540 / 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.


Still have questions? We have the answers

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.

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

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