In recent years, so-called “green” finance has been on the rise and has aroused the interest of the French. In 2021, six in ten of them say they attach importance to environmental impacts in their investment decisions, reveals the French Institute of Public Opinion (Ifop).
However, when we look at the players in savings in France, there are still few alternatives for investing responsibly and above all easily. It is for this reason that Goodvest was born. The French start-up, founded by Antoine Beneteau and Joseph Choueifaty, was born in 2020 in Paris. The two young founders created Goodvest following an observation: the savings environment was evolving too slowly and lacked transparency and alignment with the values and convictions of the French.
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Responsible investment
” Today, the average investment footprint of a French person is 11 tonnes of CO2 per year, i.e. 10 Paris-New York return trips. », Reveals Joseph Choueifaty. Faced with this observation, Goodvest has decided to make a contribution to the fight against climate change. The young company launched the first savings compatible with the objectives of the Paris Agreement: to limit warming to 2 degrees compared to pre-industrial temperatures. A goal still hardly taken into account by the banks, which still invest heavily in fossil fuels. ” They represent 70% of their total energy funding », Reveals Mathieu Silva Santos, head of private clients at Goodvest.
” The average savings of a French person are invested on a global warming trajectory of 4 degrees He adds. To comply with the Paris Agreement, GoodVest has partnered with Carbon 4 Finance, a consulting firm specializing in carbon strategy and the leading supplier of data on CO2 emissions. The company was co-founded by Jean-Marc Jancovici, one of the faces of responsible investment and the environment in France.
Carbon 4 Finance data enables them to analyze both direct and indirect emissions from selected companies. By studying the carbon footprint of the latter, Goodvest excludes certain sectors, such as armaments, the tobacco industry, those violating the United Nations global pact and, above all, those directly or indirectly linked to fossil fuels. This is a real revolution, since if there are labels allowing savings to be directed towards socially responsible investments, none of them takes into account the carbon footprint or the impact on biodiversity, and only one on 3 existing excludes fossil fuels.
However, these responsible commitments do not reduce the performance of investments. ” According to a meta-analysis from the University of Oxford, based on just over 200 studies on the subject, taking into account sustainability criteria has, in 80% of cases, a positive influence on performance. », Explains Joseph Choueifaty.
In this sense, savers can invest with complete transparency and confidence, because the company is the only one to take into account the carbon footprint from the construction of the portfolio. This is essential when we know that many Socially Responsible Investment (SRI) funds are involved in fossil fuel giants.
In addition, the start-up has the dual status of financial investment advisor certified by the Autorité des Marchés Financiers and insurance broker. To secure the money of its customers, it has backed up Generali, a solid insurance partner. The latter is not part of a banking group, does not finance or lend to companies involved in fossil fuels.
A complete offer for everyone
The main objective of Goodvest to democratize responsible investment. For this reason, the company allows access to a high-performance investment and boost their savings from 500 euros. The start-up has also launched an offer for students, accessible from 300 euros.
Accessible online, each subscriber must answer a quick questionnaire to determine his investor profile. In a few minutes, the saver has access to an investment portfolio aligned with the Paris Agreement and in line with: his risk profile, his project, the duration of his investment and his values. It is possible to choose the type of sector in which to invest your capital. Seven verticals are proposed, all revolving around sustainable development: ecological transition, employment and solidarity, diversity in companies, green energies, access to water, emerging countries and health.
On its 100% secure online space, savers can easily access the carbon footprint of their portfolio, the list of funds making it up and the list of companies they finance.
No more excuses for not making your savings grow by combining responsible investment and transparency. At the moment, up to 500 euros are offered with the code SIECLEDIGITAL for the very first subscription of a Goodvie life insurance contract with a minimum payment of 2000 €!