Union Investment

Impressum

Anbieter:
Volksbank im Münsterland eG
Neubrückenstraße 66
48143 Münster
Tel.: 0251 500-500
Fax: 0251 5005-6006
E-Mail: info@vbml.de

BIC/Bankleitzahl: GENODEM1IBB, 40361906

Vertreten durch den Vorstand:
Friedhelm Beuse, Dietmar Dertwinkel, Jürgen Feistmann, Andreas Hartmann, Thomas Schmidt

Vorsitz des Aufsichtsrates:
Wolfgang Scheiper

Rechtsform:
Eingetragene Genossenschaft

Genossenschaftsregister:
461

Registergericht:
Münster

Sitz der Genossenschaft:
Münster

Umsatzsteuer-ID:
DE125501852

Aufsicht:
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
Graurheindorfer Str. 108
53117 Bonn
www.bafin.de

Einlagensicherung und Institutsschutz:
Die Volksbank im Münsterland eG ist der amtlich anerkannten BVR Institutssicherung GmbH und der zusätzlichen freiwilligen Sicherungseinrichtung des Bundesverbandes der Deutschen Volksbanken und Raiffeisenbanken e. V.
angeschlossen.
www.bvr-institutssicherung.de
www.bvr.de/SE

Prüfungsverband:
Zuständiger Prüfungsverband nach § 54 GenG ist Genoverband e.V. mit Sitz in Frankfurt am Main, erreichbar unter https://www.genossenschaftsverband.de.

Angaben zum Versicherungsvermittler-Register:
Deutsche Industrie- und Handelskammer (DIHK)
Breite Straße 29
10178 Berlin
Telefon 0180 600585-0 (0,20 Euro pro Anruf)
www.vermittlerregister.info

Registrierungsnummer:
D-7V7C-KZXQ6-38

Zuständige Aufsichtsbehörde:
Deutsche Industrie- und Handelskammer (DIHK)
Breite Straße 29
10178 Berlin

Zuständige Berufskammer:
Deutsche Industrie- und Handelskammer
Breite Straße 29
10178 Berlin

Tätigkeitsart:
Die Volksbank im Münsterland eG ist als gebundener Versicherungsvertreter nach § 34d Abs. 7 Satz 1 Nr. 1 der Gewerbeordnung tätig.

Erlaubnisbehörde Versicherungsvermittlung:
Deutscher Industrie- und Handelskammertag (DIHK) e.V.
Breite Straße 29, 10178 Berlin
www.vermittlerregister.info

Kundenbeschwerdestelle vom BVR
Bei Streitigkeiten mit der Volksbank im Münsterland eG besteht die Möglichkeit, sich an die Kundenbeschwerdestelle vom Bundesverband der Deutschen Volksbanken- und Raiffeisenbanken zu wenden. Das Anliegen ist in Textform an die folgende Adresse zu richten:
Kundenbeschwerdestelle beim Bundesverband der Deutschen Volksbanken und Raiffeisenbanken BVR
Schellingstrasse 4
10785 Berlin
Telefon (030) 2021 1639
Telefax (030) 2021 1908
E-Mail: kundenbeschwerdestelle@bvr.de

Verantwortlich für den journalistisch-redaktionell gestalteten Inhalt im Sinne des Medienstaatsvertrages:
Christoph Helming - (Anschrift siehe Anbieter)

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Copyright 2020 The Kaisei Project Authors (https://github.com/Font-Kai/Kaisei)

This Font Software is licensed under the SIL Open Font License, Version 1.1. This license is copied below, and is also available with a FAQ at:
https://openfontlicense.org


-----------------------------------------------------------
SIL OPEN FONT LICENSE Version 1.1 - 26 February 2007
-----------------------------------------------------------

PREAMBLE
The goals of the Open Font License (OFL) are to stimulate worldwide development of collaborative font projects, to support the font creation efforts of academic and linguistic communities, and to provide a free and open framework in which fonts may be shared and improved in partnership with others.

The OFL allows the licensed fonts to be used, studied, modified and redistributed freely as long as they are not sold by themselves. The fonts, including any derivative works, can be bundled, embedded, redistributed and/or sold with any software provided that any reserved names are not used by derivative works. The fonts and derivatives, however, cannot be released under any other type of license. The requirement for fonts to remain under this license does not apply to any document created using the fonts or their derivatives.

DEFINITIONS
"Font Software" refers to the set of files released by the Copyright Holder(s) under this license and clearly marked as such. This may include source files, build scripts and documentation.

"Reserved Font Name" refers to any names specified as such after the copyright statement(s).

"Original Version" refers to the collection of Font Software components as distributed by the Copyright Holder(s).

"Modified Version" refers to any derivative made by adding to, deleting, or substituting -- in part or in whole -- any of the components of the Original Version, by changing formats or by porting the Font Software to a new environment.

"Author" refers to any designer, engineer, programmer, technical writer or other person who contributed to the Font Software.

PERMISSION & CONDITIONS
Permission is hereby granted, free of charge, to any person obtaining a copy of the Font Software, to use, study, copy, merge, embed, modify, redistribute, and sell modified and unmodified copies of the Font Software, subject to the following conditions:

1) Neither the Font Software nor any of its individual components, in Original or Modified Versions, may be sold by itself.

2) Original or Modified Versions of the Font Software may be bundled, redistributed and/or sold with any software, provided that each copy contains the above copyright notice and this license. These can be included either as stand-alone text files, human-readable headers or in the appropriate machine-readable metadata fields within text or binary files as long as those fields can be easily viewed by the user.

3) No Modified Version of the Font Software may use the Reserved Font Name(s) unless explicit written permission is granted by the corresponding Copyright Holder. This restriction only applies to the primary font name as presented to the users.

4) The name(s) of the Copyright Holder(s) or the Author(s) of the Font Software shall not be used to promote, endorse or advertise any Modified Version, except to acknowledge the contribution(s) of the Copyright Holder(s) and the Author(s) or with their explicit written permission.

5) The Font Software, modified or unmodified, in part or in whole, must be distributed entirely under this license, and must not be distributed under any other license. The requirement for fonts to remain under this license does not apply to any document created using the Font Software.

TERMINATION
This license becomes null and void if any of the above conditions are not met.

DISCLAIMER
THE FONT SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT OF COPYRIGHT, PATENT, TRADEMARK, OR OTHER RIGHT. IN NO EVENT SHALL THE COPYRIGHT HOLDER BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, INCLUDING ANY GENERAL, SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF THE USE OR INABILITY TO USE THE FONT SOFTWARE OR FROM OTHER DEALINGS IN THE FONT SOFTWARE.

Copyright (c) 2014, Indian Type Foundry (info@indiantypefoundry.com).

This Font Software is licensed under the SIL Open Font License, Version 1.1. This license is copied below, and is also available with a FAQ at:
https://openfontlicense.org

-----------------------------------------------------------
SIL OPEN FONT LICENSE Version 1.1 - 26 February 2007
-----------------------------------------------------------

PREAMBLE
The goals of the Open Font License (OFL) are to stimulate worldwide development of collaborative font projects, to support the font creation efforts of academic and linguistic communities, and to provide a free and open framework in which fonts may be shared and improved in partnership with others.

The OFL allows the licensed fonts to be used, studied, modified and redistributed freely as long as they are not sold by themselves. The fonts, including any derivative works, can be bundled, embedded, redistributed and/or sold with any software provided that any reserved names are not used by derivative works. The fonts and derivatives, however, cannot be released under any other type of license. The requirement for fonts to remain under this license does not apply to any document created using the fonts or their derivatives.

DEFINITIONS
"Font Software" refers to the set of files released by the Copyright Holder(s) under this license and clearly marked as such. This may include source files, build scripts and documentation.

"Reserved Font Name" refers to any names specified as such after the copyright statement(s).

"Original Version" refers to the collection of Font Software components as distributed by the Copyright Holder(s).

"Modified Version" refers to any derivative made by adding to, deleting, or substituting -- in part or in whole -- any of the components of the Original Version, by changing formats or by porting the Font Software to a new environment.

"Author" refers to any designer, engineer, programmer, technical writer or other person who contributed to the Font Software.

PERMISSION & CONDITIONS
Permission is hereby granted, free of charge, to any person obtaining a copy of the Font Software, to use, study, copy, merge, embed, modify, redistribute, and sell modified and unmodified copies of the Font Software, subject to the following conditions:

1) Neither the Font Software nor any of its individual components, in Original or Modified Versions, may be sold by itself.

2) Original or Modified Versions of the Font Software may be bundled, redistributed and/or sold with any software, provided that each copy contains the above copyright notice and this license. These can be included either as stand-alone text files, human-readable headers or in the appropriate machine-readable metadata fields within text or binary files as long as those fields can be easily viewed by the user.

3) No Modified Version of the Font Software may use the Reserved Font Name(s) unless explicit written permission is granted by the corresponding Copyright Holder. This restriction only applies to the primary font name as presented to the users.

4) The name(s) of the Copyright Holder(s) or the Author(s) of the Font Software shall not be used to promote, endorse or advertise any Modified Version, except to acknowledge the contribution(s) of the Copyright Holder(s) and the Author(s) or with their explicit written permission.

5) The Font Software, modified or unmodified, in part or in whole, must be distributed entirely under this license, and must not be distributed under any other license. The requirement for fonts to remain under this license does not apply to any document created using the Font Software.

TERMINATION
This license becomes null and void if any of the above conditions are not met.

DISCLAIMER
THE FONT SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT OF COPYRIGHT, PATENT, TRADEMARK, OR OTHER RIGHT. IN NO EVENT SHALL THE COPYRIGHT HOLDER BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, INCLUDING ANY GENERAL, SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF THE USE OR INABILITY TO USE THE FONT SOFTWARE OR FROM OTHER DEALINGS IN THE FONT SOFTWARE.


Die Risiken, nicht nur Dur-Akkorde

Allgemeine Risiken von Fondssparplänen

  • Es kann nicht ausgeschlossen werden, dass am Ende der Ansparphase weniger Vermögen zur Verfügung steht, als insgesamt eingezahlt wurde, beziehungsweise die Sparziele nicht erreicht werden können
  • Bei einer Fondsanlage kann neben dem Risiko marktbedingter Kursschwankungen ein Ertragsrisiko bestehen
  • Im Vergleich zum Ausgabepreis einer Einmalanlage kann der Durchschnittspreis des Fondssparplans höher ausfallen
  • Die Rendite bei einem Fondssparplan kann geringer als bei einer Einmalanlage sein

Risiken des Fonds UniFavorit: Aktien

  • Marktbedingte Kurs- und Ertragsschwankungen sowie Bonitätsrisiken einzelner Emittenten/Vertragspartner
  • Wechselkursschwankungen
  • Erhöhte Kursschwankungen und Verluste beziehungsweise Ausfälle bei Anlagen in Schwellen- beziehungsweise Entwicklungsländern (zum Beispiel aufgrund politischer und rechtlicher Risiken)
  • Erhöhte Wertschwankungen aufgrund der Zusammensetzung des Fonds

Rechtlicher Hinweis

Bitte lies die Verkaufsprospekte und die Basisinformationsblätter der Fonds, bevor du eine endgültige Anlageentscheidung triffst. Darin findest du ausführliche produktspezifische Informationen, insbesondere zu den Anlagezielen, den Anlagegrundsätzen, zu Chancen und Risiken sowie Erläuterungen zum Risikoprofil der Fonds. Diese Dokumente sowie die Anlagebedingungen und die Jahres- und Halbjahresberichte bilden die allein verbindliche Grundlage für den Kauf der Fonds. Sie sind kostenlos in deutscher Sprache erhältlich über den Kundenservice der Union Investment Service Bank AG oder auf www.union-investment.de/downloads.

Die Inhalte dieses Marketingmaterials stellen keine Handlungsempfehlung dar, sie ersetzen weder die individuelle Anlageberatung durch die Bank noch die individuelle qualifizierte Steuerberatung. Dieses Dokument wurde von der Union Investment Service Bank AG mit Sorgfalt entworfen und hergestellt, dennoch übernimmt Union Investment keine Gewähr für die Aktualität, Richtigkeit und Vollständigkeit.

Stand aller Informationen, Darstellungen und Erläuterungen: 1. August 2025, soweit nicht anders angegeben.

Verantwortlich für die Prämienaktion: Union Investment Privatfonds GmbH