Union Investment and Schwäbisch Hall: A Synergistic Partnership

Union Investment and Schwäbisch Hall represent a powerful alliance in the German financial landscape, bringing together the expertise of asset management and home savings. This collaboration provides customers with comprehensive solutions for building wealth and securing homeownership.

Union Investment, the asset management arm of the cooperative financial group Volksbanken Raiffeisenbanken, boasts a long and successful history of managing assets for both institutional and retail investors. They offer a diverse range of investment funds, covering various asset classes such as equities, bonds, real estate, and mixed portfolios. Union Investment is known for its rigorous investment processes, focusing on long-term value creation and risk management.

Schwäbisch Hall, on the other hand, is Germany’s largest building society (Bausparkasse). They specialize in home savings contracts (Bausparverträge), which combine saving towards a down payment with the right to a low-interest loan for buying or renovating property. Schwäbisch Hall plays a crucial role in facilitating homeownership for many Germans, offering a reliable and predictable path to achieving their housing goals.

The Synergy: A Holistic Approach

The partnership between Union Investment and Schwäbisch Hall is strategically designed to offer customers a holistic approach to financial planning. It addresses both wealth accumulation and the specific need for home financing.

Specifically, the relationship allows customers to strategically allocate their savings between home savings contracts and investment funds. Clients can utilize Schwäbisch Hall’s Bausparvertrag to accumulate funds for a future home purchase while simultaneously diversifying their portfolio with Union Investment’s funds. This diversification mitigates risk and maximizes the potential for returns over the long term.

Furthermore, the cooperative structure of both organizations allows for seamless integration of their services. Customers benefit from coordinated advice and access to a wider range of financial products and services under one roof. The Volksbanken Raiffeisenbanken branches act as key distribution channels for both Union Investment and Schwäbisch Hall, providing local expertise and personalized support.

Benefits for Customers

The collaboration offers several distinct advantages for customers:

• Diversified investment options: Access to a broader range of investment solutions beyond traditional savings accounts, enhancing the potential for wealth creation.
• Integrated financial planning: A comprehensive approach that considers both short-term and long-term financial goals, including homeownership.
• Reliable home financing: Secure access to low-interest loans for buying or renovating property through Schwäbisch Hall’s Bausparverträge.
• Personalized advice: Expert guidance from financial advisors familiar with both Union Investment and Schwäbisch Hall products.
• Cooperative ethos: A focus on member benefits and long-term relationships rather than short-term profits.

In conclusion, the partnership between Union Investment and Schwäbisch Hall provides a powerful synergy, offering customers a robust and comprehensive approach to financial planning that effectively combines wealth building with the security of homeownership.