Hello FestPlus!

Your profitable alternative to fixed-term deposits

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3.82%* return per year until maturity in September 2027

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Money can be flexibly repaid during the term

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The perfect addition for CashPlus as the alternative for overnight deposits

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*The targeted interest rate is variable and as of June 07, 2024, it is 3.82% per year before costs. It was determined as the weighted effective interest rate of the portfolio components using data from the issuer (Xtrackers). Capital investments involve risks and can lead to a total loss.

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*The targeted interest rate is variable and as of June 07, 2024, it is 3.82% per year before costs. It was determined as the weighted effective interest rate of the portfolio components using data from the issuer (Xtrackers). Capital investments involve risks and can lead to a total loss.

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Why FestPlus is the better fixed deposit:

Attractive return

FestPlus offers a return that is typically higher than the interest on fixed deposits.

Lock in the interest rate

Thanks to the fixed repayment, there is certainty in planning, and one can secure the current interest rate level until September 2027, regardless of future interest rate developments.

Fixed term for additional planning

At the end of the term in Sep. 27, you receive the entire amount deposited back. Additionally, there are regular earnings payments.

Full flexibility

Compared to traditional fixed deposits, you can access your money at any time and also use it for free worldwide payments.

A strong team for your fixed investment goals

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This is how simple FestPlus works

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You want to invest your money until September 2027 and get an attractive compensation for it.

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Your money is broadly diversified across various countries and industries and invested in 400 high-quality bonds with a fixed maturity date.

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You receive interest payments during the term and get your invested amount back in full at the end of the term.

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You can also flexibly transfer your money to your account before the end of the term and pay with your UnitPlus bank card.

Like all UnitPlus portfolios, your money in FestPlus belongs to you at all times and enjoys special rights as a special fund in full.

Start investing in
under 10 minutes

Start investing in under 10 minutes

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1.

Download the app

2.

Open an account

3.

Start investing easily

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Your yield with FestPlus after costs

Portfolio value

Income after costs

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per month
€ 1,000
€1,000,000

The return after costs is calculated based on the currently targeted interest rate as of April 11, 2024.

Our cost structure:
0 €
fixed fees
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0,62%
of the investment amount
per year

How safe is FestPlus?

Compared to a fixed deposit at a bank, you invest your money broadly in over 400 companies, with no single company making up more than 3% of the investment. This increases the degree of diversification and enhances safety.

Due to the architecture of FestPlus, the value of the investment may fluctuate during the term, but you will receive the full amount at the end of the term.

As with all UnitPlus portfolios, your money in FestPlus belongs to you at all times and enjoys special rights as a special fund, even above the German deposit insurance level, in its entirety.

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FestPlus can be optimally combined with other investment strategies

In addition to your investment in FestPlus, all other investment strategies of UnitPlus are available to you. This allows you to manage your money even more efficiently for your short- and long-term goals in life.

Do you still have questions? We have the answers:

What is FestPlus?

FestPlus is an alternative to the traditional fixed-term deposit offered by banks, developed via the bond market. FestPlus has a fixed term until September 2027 and pays back the invested money in full at this time. In addition, you receive interest distributions during the term, which are invested back into your FestPlus to make the most of the compound interest effect. If you need your money before the end of the term, you can sell FestPlus on the stock exchange at any time at the current price and have the money paid out. This further increases flexibility, although your money is exposed to fluctuations on the bond market during the term and can therefore also incur a loss. To put it in a nutshell, FestPlus combines the positive elements of attractive interest payments from a fixed-term deposit with the flexibility of the capital market. We have developed FestPlus in such a way that, like our CashPlus product, it revolutionizes fixed-term deposits as call money 2.0.

How much return can I expect with FestPlus?

At the time of the product launch on June 07, 2024, the annual return was 3.82%. However, the actual realized return depends on the time of your investment and can therefore be higher or lower. FestPlus therefore gives you the opportunity to invest your money for a longer period until September 2027, similar to a fixed-term deposit, and thus secure an attractive interest rate.

Can I lose money?

That is possible. If you invest your money in FestPlus, you can expect the current yield to maturity until the end of the term. As of today, this is 3.82% (June 07, 2024), provided that no bond in which FestPlus invests defaults (the so-called credit risk) This is unlikely, but cannot be ruled out. At the same time, no single bond in FestPlus can account for more than 3% of the investment amount, which represents an additional safety mechanism. In comparison, if money is invested in a traditional fixed-term deposit offered by a bank and this bank gets into payment difficulties, only the deposit protection up to €100,000 applies. If you sell FestPlus in whole or in part before the end of the term in September 2027, you may also incur losses due to fluctuations in the bond market (the so-called interest rate risk).

This makes FestPlus the better fixed-term deposit.

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*The targeted interest rate is variable and as of June 07, 2024, it is 3.82% per year before costs. It was determined as the weighted effective interest rate of the portfolio components using data from the issuer (Xtrackers). The total annual costs are 0.62% and reduce the return. They consist of product costs (0.12%) and costs for UnitPlus (0.50%). The indicated interest rate is a forecast and thus not a reliable indicator for future performance. Capital investments involve risks and can lead to a total loss.