Can I lose money?

Although the interest rate of CashPlus can vary due to the direct link to the interest rate policy of the European Central Bank, unlike shares or bonds it does not involve any risk of loss of value due to capital market fluctuations.

The interest rate is correlated directly on the central bank policy of the European Central Bank. This means that if interest rates continue to rise, CashPlus will also earn more interest. Since we announce every interest rate increase and decrease by email and via the UnitPlus app, you are always informed. This way, should we ever enter a negative interest rate environment again, you can decide for yourself whether CashPlus is still the right product for you. In that case, it would generate a negative return, just like bank accounts probably do.

Otherwise, a loss can only occur if Deutsche Bank becomes insolvent in the case of CashPlus, which is understood as a so-called counterparty risk. In addition, CashPlus has collateral consisting of government bonds of stable value and very liquid. Therefore, a default of Deutsche Bank would have to occur and at the same time the states of the issued government bonds (especially France and England) would have to get into payment difficulties for a loss to occur. In addition, CashPlus in your UnitPlus account enjoys the status of special assets, so it is also always protected from insolvency of ourselves or our partner bank.

To sum it up, CashPlus is developed under the highest security standards, so you can sit back and relax.