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.

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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.

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 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.

Media coverage of the UnitPlus and J.P. Morgan Asset Management retirement portfolio

Media coverage of the UnitPlus and J.P. Morgan Asset Management retirement portfolio

Media coverage of the UnitPlus and J.P. Morgan Asset Management retirement portfolio

Media coverage of the UnitPlus and J.P. Morgan Asset Management retirement portfolio

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