MultiPlus: Germany’s first multi-asset portfolio made of active ETFs

With MultiPlus, UnitPlus and Goldman Sachs Asset Management launch a new chapter in digital investing. After the success of AktienPlus, Germany’s first active ETF portfolio, now comes the first multi-asset portfolio of active ETFs – a milestone for private investors.

MultiPlus – Innovation meets investment

MultiPlus is more than a classic portfolio: it combines the proven multi-asset strategy of 70% stocks and 30% bonds – also called the world portfolio – with the flexibility and potential of active ETFs. With this, UnitPlus sets a new standard in digital asset management by making institutional know-how and technological innovation accessible to everyone.

The innovative power is especially evident in the combination of:

• Active management: Goldman Sachs fund managers use their experience to exploit market opportunities selectively.

• Digital implementation: Investors benefit from a transparent, flexible, and cost-efficient product via the UnitPlus app.

• European focus: About 50% of the allocation targets European markets – a counterbalance to the US dominance of traditional ETFs.

  
  

MultiPlus is a prime example of how digital platforms and modern asset management merge to offer private investors institutional-level products.

The advantages of MultiPlus at a glance

• Attractive return opportunities: Active ETFs aim to outperform their benchmark after costs, offering above-average potential.

• Global diversification: Investments in stocks and bonds worldwide ensure a stable, well-diversified portfolio.

• Cost efficiency: Professional management and low-cost ETF structures are cleverly combined.

• Flexibility: MultiPlus can be optimally combined with other UnitPlus strategies like AktienPlus.

MultiPlus and AktienPlus – the perfect complement

While AktienPlus focuses on a growth-oriented equity portfolio, MultiPlus expands the scope with bonds, offering a more robust solution for long-term wealth building. Combining both strategies allows for a tailored risk structure while benefiting from the opportunities of active ETFs.

Expected return of the new portfolio

MultiPlus targets long-term investors seeking solid returns with moderate risk. Through active management and balanced allocation between stocks and bonds, returns of around 6–9% per year are realistic, depending on market conditions (no guarantee).

Conclusion

With MultiPlus, UnitPlus takes a decisive step in the digital investment world. The portfolio combines innovation, expertise, and flexibility, giving investors the chance to benefit from active ETFs and professional portfolio management in a modern, digital product.

Risk notice: 

This article is not investment advice. No recommendation is made to buy or sell financial instruments. All capital market investments carry risks that can result in total loss. Past performance is not a reliable indicator of future results. Goldman Sachs Asset Management assumes no liability for the accuracy, completeness, or timeliness of this article.