Which portfolio fits me best?

The portfolio construction is based on a selective selection of exchange-traded index funds (so-called ETFs). The primary goal of portfolio construction at UnitPlus is to build a broadly diversified investment, taking into account an appropriate risk-return ratio and recognized sustainability criteria.

When opening your securities account, you will receive a recommendation based on your previous experience and risk appetite. You can follow this suggestion or freely choose one of the other portfolios – here is an overview:

Berg Series: Diversified and sustainable investing
Our Berg Series consists of 7 different ETFs, including 5 equity ETFs and 2 bond ETFs. It combines global equity and bond markets and follows a strict sustainability approach to invest in a broadly diversified and responsible way.

– Equity ETFs: The goal is to broadly represent the global equity market, taking into account strict sustainability criteria. Companies that do not meet these standards are excluded. The geographical allocation includes the USA, Europe, Japan, and emerging markets to ensure balanced exposure.
– Bond ETFs: These distinguish between government and corporate bonds to achieve broad diversification across different issuers and maturities. Investments are made exclusively in investment-grade bonds to minimize default risk. All bonds are also denominated in euros to reduce currency risks.
– Sustainability: Both equity and bond ETFs meet ESG criteria and include green bonds, the proceeds of which are used exclusively for environmental projects.

The Berg Series is ideal for investors who want to invest in a diversified and sustainable way without sacrificing return opportunities. It combines global equity and bond ETFs to offer a balanced mix of growth and stability.

FlexPlus: Combining security and flexibility
FlexPlus is a smart alternative to a savings account that invests in short-term European government bonds while offering the flexibility to pay worldwide with the UnitPlus Mastercard.

– Attractive return: FlexPlus offers an expected annual return of around 3.5% by investing in high-quality European government bonds.
– Low risk: By focusing on short-term bonds with high credit ratings, the portfolio remains stable and less volatile.
– Flexibility: With the UnitPlus Mastercard, you can pay worldwide free of charge and access your invested capital at any time.
– High security: Your money is held as segregated assets, offering greater protection than traditional bank deposits.
– Automatic adjustment: FlexPlus actively adapts to market conditions and continuously optimizes your portfolio.

FlexPlus is ideal for investors looking for a secure and flexible alternative to traditional savings or fixed-term deposit accounts, without sacrificing return opportunities.

CashPlus: Benefit from interest rate trends without market risk
With CashPlus, you can benefit from current interest rate trends without being exposed to market fluctuations. The interest rate is linked to the European Central Bank (ECB) – you can check the current rates anytime on the ECB (in English) or Deutsche Bundesbank (in German) websites.

– CashPlus is especially suitable for capital that should not lose value but should still generate attractive interest.
– With the UnitPlus card, you can pay worldwide at no cost, directly using the funds invested in CashPlus.
– Compared to over 150 million non-interest-bearing bank cards in Germany, CashPlus is the smarter way to pay – our version of Savings 2.0.

CashPlus is ideal for investors who want to benefit from interest rate developments without being exposed to market volatility. It offers attractive returns as a smart alternative to traditional savings accounts and enables worldwide, fee-free payments with the UnitPlus card.

FestPlus: The future of fixed-term investing
FestPlus is our alternative to traditional fixed-term deposits – but with the advantages of the bond market.

– The term runs until September 2027, after which your capital will be fully repaid.
– During the term, you receive interest payments that are automatically reinvested for optimal compounding.
– If you want to access your money earlier, you can sell FestPlus on the stock exchange at the current price at any time. This increases flexibility but also entails market fluctuations.
– FestPlus combines attractive interest with the flexibility of the capital market – our version of CashPlus for fixed-term investments.

FestPlus is ideal for investors who want to benefit from attractive interest and can invest their money for a fixed period. It combines the security of a fixed term with the flexibility to sell shares at any time on the stock exchange, making it a smart alternative to traditional fixed-term deposits.

AktienPlus: Long-term returns with active management
AktienPlus is our pure equity portfolio that invests globally in 7 actively managed ETFs from J.P. Morgan. Unlike passive ETFs that simply replicate an index, active investment decisions are made here to outperform the market in the long term.

– Long-term return potential: While passive ETFs merely follow an index, AktienPlus relies on active management to target market opportunities.
– Track record: From May 2020 to May 2025, the portfolio achieved an average annual return of 14.35% (excluding costs; see our website for current figures).
– Global diversification: Investment across different regions and industries to minimize risk and capture global opportunities.
– Sustainable approach: ESG criteria are taken into account to enable responsible investing.
– Dividends: Distributions are automatically reinvested to maximize the compounding effect.

AktienPlus is ideal for investors who want to invest long-term and take advantage of higher return opportunities. Through the use of actively managed ETFs, it targets global equity markets with the aim of outperforming them, while broad diversification helps spread risk.

You can find more information about our investment strategies in our whitepaper or on our blog.