- Starting at 50 Euro per month
Broad diversification of your capital
- Suitable for short or long-term investment
Flexible investment according to your wishes
Manage your capital with investment funds on different investment classes and reduce the risk of loss. You can participate in the developments on the stock market and the associated potential returns on a monthly basis starting at 50 Euros. Whether as a savings / time investment or short / long-term investment, together we will find an investment fund that matches your needs.
Funds: One for all, all for one
In an investment fund, investor capital is collected in a “pot”. The particular focus on this fund is determined by the money value invested. The investment will be spread among different markets. This reduces a potential risk. If one fund on the market is not so good, the other fund can possibly compensate the loss.
Advantages with investment funds
Entry starts at 50 euro per month (savings plan or one time investment)
Through the broad diversification of capital across different investment markets, there is a lower fluctuation rate than an investment with single values
Risks with investment funds
A risk of shared value decline because of default or -incapable single exhibitor or contract partner
Risk of market-related rate fluctuations as well as yield risk
Single fund specific additional risks such as increased risk of price fluctuations and exchange rate risk due to the investment spectrum and the fund management techniques
Equity funds invest fund capital in stocks with market listed companies. This offers a chance of high long-term return. Its value varies, but is usually more than the value of bonds, money market or real estate funds. The broader the investment spectrum of your equity funds, the lower you fluctuation intensity.
Pension funds invest fund capital, for example, in government bonds and private borrowers (companies). You profit, in the rule, from interest payments. The increasing value of the investment can yield returns. The risk-return profile is largely dependent on the maturity of individual bonds, the general interest rate level, inflation, and creditworthiness of the debtor. The better the credit rating, the lower the risk, and in the rules also the revenue.
Guarantee funds ie. Capital protected funds
Guarantee funds achieve a guaranteed minimum shared value at maturity. The guaranteed value amount is determined by the investment company before fund issuance—this way you know the investment duration and how much money you are guaranteed at maturity. During closed guarantee funds after maturity, in which they are no longer acquireable, you can purchase or sell open guarantee funds at any time. Capital preservation funds function like guarantee funds-among them, however, the achievement of a capital preservation fund is not backed by a formal guarantee. Guarantee- or capital preservation funds are suitable for investors that search for security but don't want to waiver a potential return.
Money market funds ie. Near money market funds
Money market funds or near money market funds invest the capital on the money market or on the pension markets for short-term investments. These are generally securities with short maturities. For money market funds or near money market funds you benefit from enhanced potential returns rather that money market accounts; your risk is relatively low.
Balanced funds invest capital funds, for example, in a combination of stocks, pension, and money market funds. The potential earnings, as well as the risk, increases with proportion to shares or other riskier asset classes in the fund. The right fund for you depends on your individual risk tolerance. Balance funds are divided equally between stocks and bonds. The ratio of asset classes within a fund fluctuate depends on market conditions.
Open property funds
Open property funds invest capital funds primarily in commercial properties such as offices, retail, hotels and logistics areas. The assets are spread across different regions and types of real estate maintenance. The rental income and the current valuation of individual properties determine the performance of the investment.
Classic Asset Management
Leave your asset management to our investment experts starting with a 10.000 Euros investment. Be sure to select among various investment strategies- depending on your investment needs and what is important.
Active Asset Management
Invest your assets diversely or place it firmly on a single asset class. Improve the structure of your assets with our concepts. You decide how much security you need and how many opportunities you want to use. Just ask us and together we will certainly find the right concept for you.
UnionDepot is online
With the online function you can do everything online. Just register to activate your UnionDepot (only possible with you have Depots). You always have an overview of current and past transactions statuses at hand. With the additional electronic mailbox activation, you get your depot statements online, there you can save and print them out as desired.
Save and payout shares
With UnionDepot, you have the opportunity with a one time deposit to regularly save a monthly 50 euros. The proceeds from sold shares are credited to the specified bank account. Starting at 10.000 euro, you can receive fixed rates with a payout plan.
Important information regarding the risks of investment products
The information provided here contains only general information on individual types of financial instruments. They do not constitute nor do they substitute the opportunities and risks of the investment products in a detailed banking consultation. Detailed information on individual investment strategies and investment products including related risks, execution venues and costs and related charges are suggested by your Volksbank Kaiserslautern eG before implementing an investment decision in the framework of a consultation.