Investing doesn’t need to be complicated.

With UnitPlus, we have developed a digital investment solution for every budget, where you don’t have to do more than the initial registration. Whether you’re investing for a specific goal, for retirement, or simply building up reserves, investing with UnitPlus is flexible and professional. With our easy-to-use app, you can keep track of all your investments and use the world’s first income card to access and pay with your portfolio at any point in time.

Four investment strategies for your comfort.

It’s important to us that you feel comfortable with your investments. At the same time, we want to take some weight off you so you have more time to focus on the things that matter in your life. For that reason, we suggest an optimal investment plan to you based on the information provided by you. You can decide whether to accept our suggestion or whether to go with a different investment strategy. Our four UnitPlus portfolios range from a moderate to a high risk-return-structure.

As a rule of thumb, portfolios with a higher stock percentage are more exposed to the fluctuations of the stock market, whereas portfolios with a high bond percentage are less affected. A higher risk with stocks can result in higher returns in the long-run.

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Portfolio strategy.

Investing is like mountain climbing. The higher the peak – i.e. the chance of return – the greater the risks of slipping. Therefore, you can choose the portfolio that corresponds to your level of experience and that you are confident in.

Zugspitze

Mont Blanc

Kilimanjaro

Mount Everest

The magic word is diversification.

With every UnitPlus portfolio you invest in different asset classes and industries that are spread out over 800 companies worldwide. You’re not only invested in industrial countries like the USA and Germany, but also into emerging economies such as India and Brazil. Diversification allows you to minimize your risk and make use of the return potential of the stock market.

Get to know our future calculator and learn more about the UnitPlus portfolios and their potential performance.

We value sustainability.

All ETFs in our UnitPlus portfolios fulfill specific sustainability criteria. While selecting fitting ETFs for our portfolios, we took environmental, social and governmental criteria into consideration and compared over 200 ETFs with the so-called ESG criteria.

Our portfolios are constructed in a way that stocks and bonds from companies and states that are not sustainable according to our criteria, are excluded from our investments.

By the way, it’s a widespread myth that sustainable investments must yield lower returns. Our portfolios are curated to not have a disadvantage compared to less sustainable investing opportunities.

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How can I invest my money with UnitPlus?

Once you’ve opened up an account, you can easily and comfortably start investing. You can choose between the following three options:

Monthly

One-time amount

Your desired amount is transferred to your UnitPlus account and invested. You can start with as little as 25€.

Saving plan

With a saving plan you invest the same amount every month. We find this very useful, because it helps you stay consistent with your investment. Furthermore, you make use of the “Dollar cost averaging” effect allowing you to buy more shares when the stock prices drop and buy less when prices are high. You can also start at 25€ here.
Performance
Monthly

Personalized savings plan

It works like a savings plan but is smarter and tailored to you. You don’t invest the same amount every month, but a sum that fits your lifestyle and monthly financial situation. Our smart algorithm optimizes your investing strategy and helps you make the most of your money.
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How does the payment with the investment card work?

Comfort is one of our top priorities, which is why you can always access your portfolio via the investment card and make payments with your investment card, just as you would with a regular bank card. Domestic or international payments, during the week or on the weekend. The main difference between our investment card and all other cards is that your money is invested in the capital market and working for you, whereas your money withers always unproductively on your bank account waiting for you to spend it.

Growth for your savings

Since your money is working for you at the capital market until you spend it, it can generate profit. Looking at the stock-market long-term, the prices increase daily. On average, you make money every day. Regardless of whether you want to invest your money for a few days, months, or years, your money is always active until the moment you want to use it and therefore adapting to your desired investment period.

How much does the investment cost?

Don’t worry about hidden costs. UnitPlus costs 2€ per month, and 0.70% of your invested money per year. That’s it. Let’s say you invested 3,000€ with UnitPlus over the course of one year, then you pay a monthly fee of 3.75€. We don’t charge issue surcharges, custody or order feed. There are also no fees when you pay with the investment card. If you want to withdraw money, a fee of 2€ will be charged.

The first investment card on which your money is working for you and not the other way around. And all of that for the price of a cappuccino every month. Sounds fair, right?
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