The importance attached by the French to responsible savings is growing.
Health, climate, energy… the successive crises we have faced over the past two years have constantly reminded us of the urgency of a transition towards a more responsible, sustainable and inclusive development model.
A demanding transition, necessary at all levels of society and the economy, which must in particular translate into ambitious socially responsible investment (SRI) policies.
Environmental impacts, an important savings criterion for six out of ten French people
Today, more and more investors consider that the criteria of responsible investment such as environmental, social and governance criteria are as much to be taken into account as those relating to financial performance. Analysts even believe that ignoring these criteria poses a significant financial risk to its investments. In other words, setting them aside would harm ultimately investment returns!
The question of responsible investment does not only interest professionals. It is also finding a growing echo among savers: according to a recent Ifop survey, six out of ten French people declare that they attach importance to environmental and social impacts in their investments, citing the fight against pollution as priorities (76 %), human rights (73%) and employment (72%)*.
Since this summer, these wishes must be collected by their brokers and must be taken into account in the investment proposal.
How to invest responsibly?
The strategies for approaching responsible investment are very varied, and with an offer that tends to expand, it is not always easy to find your way around.
However, we can distinguish three main “prisms of analysis”: funds selecting stocks according to ESG criteria, often identifiable thanks to the SRI label, thematic funds – which are specialized in a particular subject (such as renewable energies, support to the local economy, the fight against pollution, etc.), and, finally, impact funds, which focus on companies whose efforts, innovations, ambitions, etc. have measurable positive environmental or social effects.
The only pitfall of these investment funds: the annual fees charged by management companies for these investments are generally quite high. According to Quantalys, the fees of SRI-ESG funds are on average 1.42% per year, and on average 0.12% higher than those of non-labelled funds**.
However, access to responsible investment at lower costs remains entirely possible, by investing for example in passively managed funds such as ETFs.
Sicavonline’s ETF-responsible management mandate, an opportunity to give meaning to your savings at a lower cost
The new ETF-led management mandate with responsible criteria offered by Sicavonline thus provides access to responsible financial markets, while diversifying its investments, and benefiting from fees limited to 1% regardless of its profile, and even to 0, 95% if scheduled free payments are set up.
This ETF-led management mandate, offered as part of KOMPOZ, the online life insurance contract distributed by Sicavonline and insured by Ageas France, can also include part of the funds in euros within the mandate to smooth out its risk.
Sicavonline relies on the fintech Active Asset Allocation, a well-known company on the institutional investor market, to manage the allocation between the different ETFs integrating ESG* criteria. These ETFs were selected from the offer of four international management companies: BNP Paribas Asset Management, Invesco, iShares from BlackRock and Amundi.
The allocation is set according to a quantitative algorithm based on artificial intelligence established by the AAA company. This service, generally reserved for institutional investors, is available to the general public. The combination of this technology and the classic management of the fund in euros, allows investors to give meaning to their savings while controlling their level of risk!
*Ifop survey in partnership with the Responsible Investment Forum.
**Source : Value for money: The fees charged by investment managers,Quantalys study on fund fees charged by investment companies in Europe as of June 30, 2022.
The survey was conducted with a sample of 1002 people, representative of the French population aged 18 and over.
The representativeness of the sample was ensured by the quota method (sex, age, profession of the interviewee) after stratification by region and category of agglomeration.
The interviews were carried out by self-administered online questionnaire from August 23 to 27, 2021.
KOMPOZ is a collective life insurance policy insured by Ageas France and marketed by Sicavonline, as an insurance broker. The subscriber of the KOMPOZ contract is the Personaliz Epargne Digitale association, become a member of the association and join the KOMPOZ contract.
Ageas France
Limited life insurance company. Company governed by the Insurance Code, approved by the Prudential Supervisory Authority, with capital of EUR 159,221,273.61. Registered in the Nanterre Trade and Companies Register at number 352 191 167, whose registered office is located at Village 5 – 50 place de L’Ellipse – CS 30024 – 92985 Paris La Défense Cedex. FATCA identification number: GIIN 6841 D2.00009.ME.250
About Active Asset Allocation
Active Asset Allocation is a digital financial engineering company, renowned for its investment algorithms.
Its mission is to give each institution and individual the means to achieve their financial goals.
COANDA, AAA’s savings marketplace, offers digital tools that meet the specific needs as well as the communication needs around the life insurance products of CGPs, insurers, management companies and beneficiaries.
Active Asset Allocation is registered in France with ORIAS under number 13000765 and is a member of ANACOFI-CIF, an association approved by the Autorité des Marchés Financiers (AMF).
More information on active-asset-allocation.com
The editorial staff of Boursier.com did not participate in the creation of this content.