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.
Combine an active equity ETF and an active bond ETF according to your investment preferences.
These active ETFs are continuously monitored and adjusted to reflect changing market conditions.
The portfolio is continuously monitored and strategically developed.








































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

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.

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

Full Control:
Deposit flexibly via a recurring savings plan or through one-off contributions
Your retirement planning.
Professionally structured.
Your retirement planning.
Professionally structured.
Your retirement planning.
Professionally structured.
Together with J.P. Morgan Asset Management, we are setting new standards for retirement portfolios. With professionally managed, active ETF portfolios, you combine long-term wealth accumulation with active investment management. The choice is yours: UnitPlus Standard or UnitPlus Professional.
UNITPLUS STANDARD
You define the allocation. We manage the rest.
For you, if… you want to set up your retirement planning simply and professionally, while retaining the freedom to decide your own allocation between equities and bonds.
You construct your portfolio from an active equity ETF and an active bond ETF, allowing you to personally determine the balance between long-term growth potential and stability. The ongoing investment management within the ETFs is handled by J.P. Morgan Asset Management.
Asset Allocation
zwischen langfristigen Ertragschancen und Stabilität
Equities: 0%
Bonds: 100%
Combine an active equity ETF and an active bond ETF according to your investment preferences.
These active ETFs are continuously monitored and adjusted to reflect changing market conditions.
The portfolio is continuously monitored and strategically developed.
No additional transaction fees or exchange charges.
Social and ecological retirement planning, ensuring you can enjoy your later years in a sustainable future.
0,55 %
Total Costs p.a.
0.25% product costs
0.30% AVD costs for UnitPlus
UNITPLUS STANDARD
You define the allocation. We manage the rest.
For you, if… you want to set up your retirement planning simply and professionally, while retaining the freedom to decide your own allocation between equities and bonds.
You construct your portfolio from an active equity ETF and an active bond ETF, allowing you to personally determine the balance between long-term growth potential and stability. The ongoing investment management within the ETFs is handled by J.P. Morgan Asset Management.
Asset Allocation
zwischen langfristigen Ertragschancen und Stabilität
Equities: 0%
Bonds: 100%
Combine an active equity ETF and an active bond ETF according to your investment preferences.
These active ETFs are continuously monitored and adjusted to reflect changing market conditions.
The portfolio is continuously monitored and strategically developed.
No additional transaction fees or exchange charges.
Social and ecological retirement planning, ensuring you can enjoy your later years in a sustainable future.
0,55 %
Total Costs p.a.
0.25% product costs
0.30% AVD costs for UnitPlus
UNITPLUS PROFESSIONELL
Full Equity Power. Professionally managed.
Suitable for you if … you wish to consistently capitalize on the long-term growth opportunities of the equity markets while leveraging the investment expertise of J.P. Morgan Asset Management.
You are investing in a professionally managed equity portfolio specifically developed for long-term wealth accumulation within a retirement pension account. The portfolio is continuously monitored and adjusted to align with emerging opportunities and risks in the capital markets.
Asset Allocation
Equities 70%
Global Equity Markets
Actively managed
Capitalize on the long-term growth potential of global equity markets.
Professional portfolio management, without the need for you to manage individual investments yourself.
The portfolio is continuously monitored and strategically developed.
No additional transaction fees or exchange charges.
Social and ecological retirement planning, ensuring you can enjoy your later years in a sustainable future.
0,53 %
Total Costs p.a.
0.25% product costs
0.30% AVD costs for UnitPlus
UNITPLUS PROFESSIONELL
Full Equity Power. Professionally managed.
Suitable for you if … you wish to consistently capitalize on the long-term growth opportunities of the equity markets while leveraging the investment expertise of J.P. Morgan Asset Management.
You are investing in a professionally managed equity portfolio specifically developed for long-term wealth accumulation within a retirement pension account. The portfolio is continuously monitored and adjusted to align with emerging opportunities and risks in the capital markets.
Asset Allocation
Equities 70%
Global Equity Markets
Actively managed
Capitalize on the long-term growth potential of global equity markets.
Professional portfolio management, without the need for you to manage individual investments yourself.
The portfolio is continuously monitored and strategically developed.
No additional transaction fees or exchange charges.
Social and ecological retirement planning, ensuring you can enjoy your later years in a sustainable future.
0,53 %
Total Costs p.a.
0.25% product costs
0.30% AVD costs for UnitPlus
Collaboration with J.P. Morgan Asset Management
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
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

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

