The level remains stable year after year. According to the survey of September 26 carried out by IFOP for the Forum for Responsible Investment (FIR), 60% of French people give an important place to environmental and social impacts in their investment decisions. However, in reality, few savers have socially responsible investment (SRI) products in their assets. It is not for lack of supply, because finance has taken the extra-financial turn and many funds are managed by integrating environmental, social and governance (ESG) criteria. But it is still necessary to access it within his life insurance or his retirement savings plan (PER).
To identify these funds, the easiest way is to look for units of account with a label. It can be the SRI label, the broadest, or the Greenfin label, more selective and focused on green funds. But some international management companies favor foreign labels. You can trust the Belgian label, the Towards Sustainability, as well as the Luxembourg label, the LuxFLAG. Another widespread label: Finansol. But beware, the latter has another vocation: it certifies solidarity funds, that is to say products that invest up to 10% of their assets in companies in the social and solidarity economy.
Many PERs include such funds in their list of units of account. You will find them without difficulty in the PERs with the most media, which list several hundred products. To do this, turn to Internet contracts or those distributed by wealth management advisors. That said, a growing number of players are now displaying such offers, including major banking networks. Crédit Mutuel-CIC, the Caisses d’Epargne, BNP Paribas, etc., highlight a range of responsible supports within their PERs. Mutuals are not to be outdone: MAIF, for example, offers a narrow range of free management supports, but the range is fully labelled.
Good surprises possible
On the other hand, proposals for responsible savings in managed management or management under mandate are less frequent. Some interesting proposals exist on the side of mutuals such as MAIF, MIF or Macif. You may have good surprises at online distributors as well. The PER Matla of the online bank Boursorama offers management managed over time implemented with ETFs (listed index funds), all labeled SRI. The fintech Nalo leaves the choice of an “eco-responsible” profile. On the side of heritage contracts, orient yourself towards the PER Generali Patrimoine, which integrates ESG considerations into its profiles.
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