The UnitPlus Savings Plan Calculator

The annual returns shown were calculated using simulations based on historical values over the last ten years. For the simulation, the historical daily closing prices from 07/29/2011 to 07/29/2021 of the MSCI World, S&P 500, MSCI EU, MSCI EM, MSCI JP, Bloomberg Barclays Euro Aggregate and FTSE EMU Gov. Bond indices were used. The use of both normally distributed returns and observed returns resulted in identical return results for 1,000,000 simulated 10-year investment cycles. Shown here is the 50% quantile, which represents median performance. The corresponding indices will not be directly included in the UnitPlus portfolios, but are for illustrative purposes only. For the FlexPlus portfolio, the Yield to Maturity of January 6, 2023 has been used. The Yield to Maturity indicates the average annualized return that would be received if the bonds were held to their contractual maturity. For CashPlus the interest rate of 2.48% is used and reflects the actual number from the 12th of March 2025. AktienPlus shows the actual realized return from December 2019 to December 2024 at 14.38%.