Can I lose money with ZinsPlus?

Although the interest rate on ZinsPlus may vary due to its direct link to the European Central Bank’s interest rate policy, unlike stocks or bonds, it does not carry any risk of loss in value due to capital market fluctuations.

The interest rate is directly based on the European Central Bank’s monetary policy. This means that if interest rates continue to fall (rise), ZinsPlus will also generate less interest (more interest). In addition, the ZinsPlus investment basket generates additional income, which currently stands at 0.20% to 0.40% per year. This income component can vary depending on the market situation and is not guaranteed, but it ensures that you currently earn a return above the ECB’s key interest rate.

Otherwise, a loss can only occur if the issuer of the ETF becomes insolvent, which is known as counterparty risk. In addition, ZinsPlus has collateral consisting of stable and highly liquid company shares. A loss would therefore only occur if the ETF issuer defaulted and the companies in the share basket simultaneously encountered financial difficulties. Furthermore, ZinsPlus enjoys special asset status in your UnitPlus securities account, meaning that it is always fully protected against insolvency on our part or on the part of our partner bank, even for amounts exceeding €100,000.

ZinsPlus has been developed in accordance with the highest security standards, so you can sit back and relax. However, as with any financial investment, losses cannot be completely ruled out.