FAQ – Frequently asked questions about the RealUnit

The RealUnit is an investment option for those seeking long-term value preservation with increased crisis resistance. It is predominantly backed by real assets, such as precious metals and investments in companies with strong balance sheets and sustainable earnings. At least half of the invested assets are held physically and securely outside the banking system in Switzerland. As an investor you are a shareholder and therefore co-owner of the incorporated company RealUnit Schweiz AG.

You can find more information here: realunit.ch/loesung-realunit

RealUnit Schweiz AG is an independent investment company which invests in real assets in a broadly diversified manner. The Swiss public incorporated company was founded in 2017 and is headquartered in Baar (ZG). We pursue the goal of replicating Switzerland’s economic growth over the long term and protecting the investments entrusted to us against crises and against the loss of purchasing power. For more information, please visit: realunit.ch/vision-values

The RealUnit is backed by return-oriented and tangible real assets. At least half of the invested assets are held physically and securely outside the banking system in Switzerland. Our goal is to provide increased crisis resistance, long term stability and protection against the loss of purchasing power due to inflation or during economic and financial crises. For more information, please visit: realunit.ch/loesung-realunit/.

In its initial phase, the RealUnit was structured as an investment fund (see history). We decided on the current form of the investment company in order to be able to invest increasingly in assets outside the banking system. Funds have to adhere strictly to the predefined bandwidths per asset class and can therefore hardly react to strong market distortions in a crisis. As an investment company, we can adjust our investment strategy in accordance with our investment guidelines,more flexibly and efficiently with the aim of better protecting the capital entrusted to us in a crisis.

• Over 50% of total assets are held outside the banking system in high-security vaults, which we believe can better ensure crisis resilience and asset protection.
• Our precious metals can be physically stored in Switzerland, unlike an investment fund. This eliminates the issuer risk of a precious metal certificate, and access to precious metals is more likely to be available even in the event of a crisis.
• The same applies for our cash holdings. This means that we are not dependent on the banking system, which enables us to better ensure access to our cash in times of crisis.
• We can sharply reduce our equity holdings in the event of market distortions, or increase them to max. 50% and also hedge against falling prices if required. Investment funds, on the other hand, must strictly adhere to specific asset allocation limits and are thus much less flexible, especially in a crisis.
• You have the freedom to choose between traditional RealUnit stocks and RealUnit stock tokens on the Ethereum blockchain. Stock tokens can be stored outside the banking system. By using your own wallet, access is usually independent of third parties (analogous to cryptocurrencies).
• As a shareholder, you have voting rights at the annual general assembly, which you do not have with an investment fund.

Since the formation of RealUnit Schweiz AG in June 2017, we had an average performance of net 2.25% per year until June 2021, with average fluctuations of about 7.5% per year. However, past performance is no guarantee of future results. Our goal is to outperform Swiss gross domestic product (GDP) in order to maintain the purchasing power of our shareholders’ invested capital over the long term.

We do not charge any fees. The running costs are offset against the return on the RealUnit. Our medium-term cost target is approximately 1.20% p.a. When buying or selling shares of the company via your bank, one-time transaction fees are incurred and the amount depends on the bank. Details on our cost structure can be found in our financial statements, which we publish semi-annually at realunit.ch/downloads.

As a general rule, you should not make investments with capital that you will need for other purposes in the next 3 to 5 years. An investment in the RealUnit is therefore suitable for investors with a longer investment horizon.