R+V and Union Investment Launch New Occupational Pension Product

R+V Versicherung and Union Investment have jointly launched a new occupational pension product named UniRendite. This direct insurance offering from R+V is designed to address the growing demand for stable and profitable retirement solutions.

The UniRendite insurance combines a guaranteed insurance benefit with the potential for higher returns through capital markets. It aims to offer customers the opportunity to benefit from market growth without significant risk of capital loss. The product also seeks to merge the tax and social security advantages of occupational pensions with modern investment vehicles.

The investment strategy is based on a combination of three components: R+V Lebensversicherung AG's security assets, Union Investment's "UniGarant80: Dynamik" guarantee fund, and the "UniNachhaltig Aktien Global" fund. A dynamic reallocation mechanism ensures the guaranteed benefit is available at retirement, with surplus funds directed towards growth-potential funds.

The new product is being marketed particularly to companies looking to retain employees long-term by offering an attractive supplementary retirement option. R+V states it is one of the largest providers of occupational pensions in Germany. Union Investment highlights the product's suitability in the current low-interest-rate environment and its focus on yield-oriented and sustainable investments.