The portfolio is constructed with the help of a selective choice of exchange-traded index funds (so-called ETFs). The primary objective of portfolio construction at UnitPlus is to achieve a well diversified portfolio, taking into account an adequate risk-return ratio and recognised sustainability criteria.

The four portfolio concepts available at UnitPlus pursue an identical market strategy, but differ in the target weighting of the respective ETF components. This results in four different risk profiles that pursue the same investment policy but are at home in different risk-return ratios.

During the one-time registration process, we provide you with a decision-making tool that could be the most suitable portfolio based on your experience and risk appetite. You can follow this suggestion, but you don’t have to.

Currently, you can only invest in one of the four portfolios offered by UnitPlus. However, we are already working on expanding this offer so that soon you will be able to invest in sub-portfolios with different portfolio strategies and different goals.

Yes, you can change your UnitPlus portfolio at any point in time free of charge. In the UnitPlus app, you will find a button with three bars in the top right corner of the home screen. If you click on this, you will find the current distribution of your portfolio and also the button “Change my portfolio”.

An exchange-traded fund (ETF) is a type of investment security that works much like a mutual fund. Typically, ETFs will track a particular index, like the German stock index (short DAX) or the US technology index NASDAQ. ETFs can be purchased or sold on a stock exchange the same way that a regular stock can.

One of the biggest advantages of ETFs is the access to many stocks, bonds and other asset classes across various industries in a cost efficient way. In this way, the risk-reward potential can be increased.

Each portfolio consists of 7 different ETFs. Among them are 5 equities and 2 bond ETFs. In the equities asset class, the aim is to represent the global equity market as diversified as possible, while at the same time taking care of sustainable criteria. In order to avoid overweighting in individual regions or countries, the portfolios are divided geographically into the markets of the USA, Europe, Japan and Emerging Markets.

In the bond asset class, a distinction is made between government and corporate bonds. The aim here is also to achieve a diversified investment profile across different issuers and maturities. In order to keep default risks as low as possible, investments are made exclusively in investment-grade bonds across various sectors and countries.

Since all bonds are denominated in euros, the currency risk can also be reduced. Sustainability criteria are also taken into account here with the ESG approach and green bonds. In the case of green bonds, the use of the proceeds is allocated exclusively to projects that promote the climate or other ecological purposes.

Since different asset classes also have different risk-return profiles, asset classes do not perform identically to each other. To ensure that your UnitPlus portfolio does not deviate too much from the original distribution of the overall portfolio and that your individual risk profile does not deviate too much from the original distribution of the overall portfolio, your portfolio is continuously monitored by UnitPlus and, if necessary, subjected to a so-called rebalancing. So you can sit back and relax and still keep your portfolio up-to-date.

ETFs are an inexpensive but very sensible way to invest your money worldwide. Moreover, ETFs are traded transparently on the stock exchange every working day. Since a selective choice of individual stocks (stock picking) and the correct assessment of investment times (market timing) do not generate higher returns in the long term, we consider ETFs to be the most sensible way of investing money, also from a risk-return point of view. However, we evaluate this on an ongoing basis in the interest of all users.

When payments are made, shares of your portfolio (so called fractional shares) are automatically sold that correspond as closely as possible to the amount of the card payment. It is not necessary to select individual ETFs beforehand, which would cause an imbalance in your portfolio, but we sell all ETFs in your portfolio in the same amount.

Because capital market transactions can only be made on business days and UnitPlus is concerned with the most cost-efficient execution of orders for the benefit of its users, the use of the UnitPlus card results in “pending transactions” (similar to your online banking). In this case, the card payment has already been made, but the corresponding order on the capital market has not yet been executed. The partial sale of the portfolio takes place on weekdays at fixed times. The remaining part of the fractional share is reinvested in your portfolio.

First of all: You can use our card at any time and worldwide – everywhere Mastercard is accepted. Even outside stock exchange opening hours and without hidden costs.

Because capital market transactions can only be made on business days and UnitPlus is concerned about the most cost-efficient execution of orders in the interest of the users, the use of the UnitPlus card results in pending transactions (similar to your online banking). In this case, the card payment has already been made, but the corresponding order on the capital market has not yet been executed. The corresponding fractional sale of the portfolio takes place on weekdays at fixed times.