2023-09-19 09:38:31
Preparing for retirement early is good. But doing everything to spend it on a planet that will have suffered the least possible effects of climate change is better. This is the objective of the very first retirement savings plan (PER) launched this fall by Goodvest. This fintech, which has already been distributing life insurance committed to the climate since 2021, now offers a retirement savings plan (PER) in line with the objectives of the Paris Agreement. Clearly, your savings will not go towards investments that contribute to global warming above 2°C by the end of the century.
“It is both a request from our customers and a need for the French who are increasingly aware, particularly with last spring’s reform, that they must prepare individually for their retirement,” explains Joseph Choueifaty, co-founder of Goodvest. Today, more than 7 million people hold a PER, a capitalization retirement system launched three years ago, for a total of more than 80 billion euros in assets.
Visualize the carbon impact of your savings
Except that at Goodvest, the units of account selected, in addition to respecting the Paris Agreement, completely exclude fossil fuels. “During the simulation, you choose the values that are important to you to create a portfolio reflecting your values,” explains Joseph Choueifaty. The themes are mainly around the ecological transition with access to water, forests, climate solutions. But there are also those like health, eco-responsible development of emerging countries or even employment and solidarity. »
Once the PER is opened, a tab on the site allows you to visualize the carbon impact and global warming trajectory of your savings. But does preserving the planet mean sacrificing part of the output? “By investing in a committed manner, we can create additional performance in the long term, because these are sectors in full development, supported by international investment plans, which will more easily win calls for tenders and avoid controversies”, maintains Joseph Choueifaty, who emphasizes that this PER does not bear entry or arbitrage costs, but only management costs.
Goodvest, which has nearly 5,000 life insurance customers, has already recorded several hundred PER openings in a few days.
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