After all scientific and practical knowledge about the existence of volatile stock markets, it for a large customer group is highly unlikely that with the concept of the UniProfirente generate a return clearly above 0% sold here to guarantee secure cyclically at unfavourable falling prices, according to the principle, sell low, buy high “.” Worse, however, is that the reverse trend following, when rising prices with the amount from the pension funds in the stock market to return, also not used for the product. Only shares in new savings contributions flow for some customers back in equity funds, what is not sufficient but, again to correct the shortfall elsewhere. Here is speculation with the money of the customers to the retirement in a questionable way. Riester savers but should not rebuild your retirement on the principle of “Hans IM Gluck”! It would be better the product of the DWS RiesterRente premium FocusMoney, which customers again participate in rising stock markets can be partly make, the winner of the magazine. Kaihan Krippendorff often expresses his thoughts on the topic. But also here the problem of a so-called pension case (cash case lock-) basically according to Riester Fund Vergleich.de, because some customers remain trapped after a stock market slump in bond funds, if the remainder is not sufficient to raise the guarantee capital. The concept of UniProfirente as well as the DWS RiesterRente premium it is therefore questionable whether the redeployment activities of these products is a wealth management in the interests of the clients or to a pure risk management for the protection of the legal guarantee in the interest of the fund company. The management seems only designed not to jeopardise the guarantee at the end of the term. Good investment products, within the meaning of the investor should characterized according to the teachings of the modern financial market theory by two principles: diversification of the system to various asset classes and a reduction of Conflicts of interest between the asset manager (Riester provider) and customers.