which contracts to choose to invest responsibly

The level remains stable year after year. According to the survey of 26. September carried out by the IFOP for the Forum for Responsible Investments (FIR), 60% of the French give an important place to environmental and social impacts in their investment decisions. But in reality, few savers have socially responsible investment (SRI) products in their assets. It is not for lack of supply, because funding 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 your life insurance or your pension savings (PER).

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To identify these funds, the easiest way is to look for units of account with a label. It can be the SRI brand, the broadest, or the Greenfin brand, more selective and focused on green funds. But some international management companies prefer foreign brands. You can trust the Belgian brand, Towards Sustainability, as well as the Luxembourgish brand, LuxFLAG. Another widespread brand: Finansol. But beware, the latter has a different vocation: it certifies solidarity funds, that is, 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 billing units. You will find them without difficulty in the PERs with the most media, which show hundreds of products. To do this, you need to turn to Internet contracts or those distributed by wealth management advisers. That said, an increasing number of players are now showing such offers, including major banking networks. Crédit Mutuel-CIC, Caisses d’Epargne, BNP Paribas, etc. highlight a number of responsible support schemes within their PERs. Mutuals are not to be outdone: MAIF, for example, offers a narrow range of free administration supports, but the range is fully branded.

Possible good surprises

On the other hand, proposals for responsible savings in managed management or management under mandate are less frequent. Some interesting proposals can be found on the side of mutuals such as MAIF, MIF or Macif. You can also get good surprises from online distributors. PER Matla from the online bank Boursorama offers management managed over time, implemented with ETFs (exchange-traded index funds), all branded SRI. Fintech Nalo leaves the choice of an “eco-responsible” profile. On the side of inheritance contracts, orient yourself towards PER Generali Patrimoine, which integrates ESG considerations into its profiles.

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