Uncertain prospects? Express certificates with memory mechanism and airbag can help

2025 is not a year for black and white decisions on the capital market-the macroeconomic and geopolitical framework is too complex. This is precisely why investment instruments are required that can deal with scenarios between optimism and pessimism. Memory Express Airbag Certificates are designed for this. They combine chances of return with partial protection without investors having to rely on a certain market movement.

There is currently a tense mood on the capital markets. On the one hand, Donald Trump’s unpredictable customs policy ensures uncertainty and the sometimes high ratings, especially in the technology sector, many investors have new investments hesitate. On the other hand, the US economy continues to present itself robustly and in Europe.

In this area of tension, Memory Express Airbag certificates are particularly interesting because they offer earnings opportunities even if the market is not clearly moving in one direction. They enable regular earnings payments even in moderate price returns and, through the airbag component, offer partial protection against losses at the end of the term. In this way, they allow an introduction to the market at a limited risk – ideal for investors who, if caution, do not want to remain completely on the sidelines.

Interesting basic values in drawing

Onemarkets by Unicredit currently offers several Memory Express Airbag certificates for drawing, which relate to broad indices such as the Euro Stoxx 50® or selected Bluechips.

Products on ASML and NVIDIA are available in the technology sector. ASML is the world’s leading manufacturer of lithograph systems for the semiconductor industry and occupies a key position in the industry. With the help of its EUV technology (extreme ultraviolet lithograph), ASML enables the production of the latest high performance chips. Despite a record quarter, the company had recently lit up with careful statements for the second half of the year. Against the background of global uncertainties and geopolitical risks, the board expressed extremely skeptical.

Like no other company, Nvidia stands for the AI boom in recent years. As the leading provider of high-performance graphics processors, the company delivers the central hardware for applications in artificial intelligence, cloud computing and autonomous driving. After several years with rapid growth and a multiplication of the share price, the assessment has now been ambitious, which significantly increases the expectations of future results. In addition, uncertain US trade policy, especially towards China, could be stressful. Recently, however, positive news in this cause has ensured relaxation.

But onemarkets by Unicredit also has some interesting individual titles from Germany. Memory Express Airbag Certificates are currently in the drawing on BASF, Deutsche Bank, Renk and Siemens Energy.

BASF could benefit from a possible economic recovery and falling energy prices. However, the largest chemical company in the world is under pressure through the behavioral industrial production in Europe, high location costs and political uncertainties, especially with a view to the US business and a weakening US dollar. While Deutsche Bank has been able to benefit from the increased interest rate environment in recent years, Renk and Siemens Energy are among the possible winners of the billion dollar investments in armaments and infrastructure. However, all three shares have already had strong price development – which could limit the short -term upward potential. In such cases in particular, structured products, such as Memory Express Airbag Certificates, can be an alternative to the direct system.

What makes Memory Express Airbag certificates special?

1. Attractive sideways return: These certificates offer the chance of a regular yield payment, even if the course of the underlying develops sideways or slightly negative. Memory Express Airbag Certificates are therefore an interesting alternative to direct investments in an unsafe market environment.
2. Catch-up function through memory mechanism: If the base value falls stronger during the term and the yield payment fails, this can be made up for in the subsequent yield payment days as soon as the underlying has recovered and the requirements for the yield payments are met.
3. Early repayment: In the event of positive price development of the underlying, the certificate can be repaid prematurely – sometimes after one year. That means: Investors: Inside, the calculation amount plus yield earlier returns. However, this creates a risk of restoration. The premature capital may only be re -invested in less favorable conditions.
4. The end of the term: Airbag mechanism applies: If the security is not paid back prematurely, the so-called Airbag mechanism ensures that losses of the underlying are mitigated at the end of the term. Even if the underlying should fall under the barrier, the losses would be lower than the underlying.

Photo credits: