The public authorities had to force them to do so in order for insurers to offer “green” fund offers and socially responsible investment (SRI) in their multi-support contracts. It is in fact the law which has forced them, since this year, to include at least one fund having obtained the State SRI label; an offer which will have to be completed, from next year, by at least one green fund with the Greenfin label, and / or a solidarity fund labeled Finansol, i.e. investing part of the sums collected in social and solidarity economy companies that do not place the search for financial profit in their priorities.
Henceforth, all the contracts offered to the public therefore include at least one “sustainable” fund, and some go much further. Online brokers thus offer pallets of several hundred media, and durable funds generally number in the tens. At Linxea, for example, Linxea Spirit 2 has 200 of them. There are also a handful of contracts that have exclusively chosen such financial offers.
This is the case with the Responsible and Solidarity Life Insurance of MAIF, the Solidarity Contract of Crédit Agricole and, more recently, of Préfon-Vie Responsible, developed by the supplementary retirement plan reserved for members and former members. of the public service. This last contract is however open to the general public.
If the law is pushing insurers to step up the pace, this is not the only reason for this sudden craze: “ This corresponds to a real demand from our policyholders “, testifies Stéphane Dessirier, general manager of MACSF, a mutual insurance company specializing in the health medical profession.
The results are there
In the wake of the development of managed management, insurers have also developed automatic savings management offers that meet the expectations of savers who wish to favor these sustainable funds. Suravenir thus offers a Conviction sustainable development mandate, administered by the group’s management company, Fédéral Finance Gestion, and launched in December 2019. For its first calendar year of activity, it obtained a gain of 4.8% by reconciling the decision taking into account extra-financial criteria and the search for performance.
Boursorama Banque, which has been practicing managed management for several years with Edmond de Rothschild, has also extended its offering to SRI through mandates entrusted to the management company Sycomore, which constructs allocations responding to different levels of risk, exclusively for through funds having obtained the SRI label promoted by the State.
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