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FNG - Forum Nachhaltige Geldanlagen e.V.

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as sind nachhaltige Geldanlagen?
Nachhaltige Geldanlagen ergänzen die klassischen Kriterien der Rentabilität, Liquidität und Sicherheit um ökologische, soziale und ethische Bewertungspunkte.
 
Welche Anlageformen gibt es?
Im Bereich nachhaltiger Geldanlagen stehen praktisch alle gängigen Finanzprodukte zur Verfügung, wie z.B.:
Aktien
Anleihen
Betriebliche Altersvorsorgeprodukte
Beteiligungen
Geschlossene Fonds
Genussscheine
Investmentfonds
Lebensversicherungen
Private Altersvorsorgeprodukte
Rentenpapiere
Sparbriefe, Sparkonten, Festgelder
 
Zertifikate
Marktentwicklung im Bereich der Publikumfonds
Der Markt nachhaltiger Geldanlagen wächst stetig. Gerade vor dem Hintergrund der Finanzmarktkrise wird die Frage nach den Inhalten von Finanzprodukten immer wichtiger.
Im Jahr 2007 summierte sich das Volumen nachhaltiger Geldanlagen bei Anbietern aus Deutschland, Österreich und der Schweiz auf 33,4 Mrd. Euro. Der Anteil der nachhaltigen Geldanlagen zum Gesamtmarkt betrug so in Deutschland und Österreich 0,7% am Gesamtmarkt und in der Schweiz 2,8%.
 
Verteilung der Ökofonds
Fonds, die bei ihren Investments über ökonomische Faktoren hinaus auch soziale und ökologische Kriterien berücksichtigen. Nachhaltigkeitsfonds, die in eine spezielle Branche oder ein spezielles Thema (z.B. Wasser, erneuerbare Energien) investieren. Es handelt sich also um Themenfonds, die über ökonomische Faktoren hinaus auch soziale und ökologische Kriterien berücksichtigen. Fonds, die alleinig oder vorwiegend ethisch motivierte Ausschlusskriterien verwenden. Der Begriff hat seine Wurzeln im anglo-amerikanischen Bereich. In Österreich werden Ethikfonds oft verstanden als Nachhaltigkeitsfonds, die neben ökologischen und sozialen Positivkriterien auch ethisch motivierte Ausschlusskriterien verwenden. Nachhaltigkeitsfonds, die vorwiegend Umweltkriterienberücksichtigen.

nachhaltigkeit2

Sustainable Investments 

There are a variety of terms used to describe investments with an environmental, ethical or social focus - green money, social investment, ethical investment, sustainable investment - and all of these are encompassed by the concept of sustainability.

Definition: sustainable investments supplement the traditional criteria of profitability, liquidity and security with environmental, social and ethical evaluation criteria.

Sustainable investment is the umbrella term for sustainable, responsible, ethical, social and environmental investment and all other investment processes that take the influence of ESG (environmental, social and governance) criteria into account in their financial analyses. It also presupposes the existence of an explicit written investment policy on the use of ESG criteria.

 

There are a variety of different investment processes:

Negative investment criteria – also called negative screening or exclusion criteria – provide the basis for an investment strategy that is used to exclude from the investment universe those industries, companies and even countries which fail to meet certain social, environmental and governance criteria, which do not fulfil the ethical claims made in their business policies or which breach international norms and standards as defined by OECD, ILO, UN and others.

 

Environment

Social

Governance 

Value-based exclusion criteria are those used to make decisions based on investors' own  values. They include e.g.:

 

Nuclear power

Chlorine-based chemicals and agrochemicals 

Genetic engineering

Biocides

Controversial environmental behaviour

 

 

Armaments

Pornography

Alcohol

Tobacco

Gambling

Animal testing

Exploitation of child labour

 

 

Systematic lobbying of public institutions with the aim of lowering CSR standards

Repeated/systematic corruption

 

 

Norm-based exclusion criteria are those used to exclude companies and countries based on breaches of international norms and standards. They include e.g.:

 

 

 

 

CITES violations

Non-ratification of the Kyoto Protocol

Violations of the Convention on Biological Diversity

Non-ratification of the Protocol on Biosafety

Exclusion  of POPs (persistent organic pollutants) as defined by the Stockholm Convention

Violations of other environmental treaties

Breaches of ILO Conventions

Breaches of non-proliferation treaties

Breaches of the Geneva Convention

Violations of human rights

Violations of fundamental democratic and political rights (political participation, freedom of the press, etc.)

Breaches of other international conventions.

Violations of laws (e.g. environmental legislation, consumer protection law, legislation on accountancy fraud, equal opportunities legislation)

Infringements of anti-trust law (e.g. abuse of a dominant market position)

Positive Screening is an SRI investment approach that proactively seeks out companies in certain business activities and/or with leading business practices, based on a set of ESG criteria. This may include Best-in-Class or SRI thematic funds for instance.

SRI thematic funds may focus on sectors such as Water, Energy, or issues such as the transition to sustainable development and a low carbon economy. To be considered SRI, a thematic fund must show an explicit SRI motivation, taking into account ESG considerations in the fund construction process. This requires the existence of specific mechanisms, such as the involvement of SRI expertise in stock analysis selection, the application of an ESG screen, or the management of the product by the SRI team.

Best-in-Class is an approach where the leading companies with regard to ESG criteria from each individual sector or industry group are identified and included/over-weighted in the portfolio.


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