The offer of socially responsible funds is growing, brokers being forced by law to propose more. But it also meets a demand for investors.
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The public authorities forcing them for the insurers to propose in their multisupports “green” fund offers and socially responsible investment (ISR). It is indeed the law that forces them, since this year, to include at least one Fund having obtained the ISR label of State; An offer that will have to be completed, from the next year, by at least one Green Fund with the Greenfin label, and / or a solidarity Fund labeled Finansol, that is to say investing some of the sums collected in Companies of the social and solidarity economy not placing the search for financial profit in their priorities.
Now, all contracts offered to the public therefore have at least one “sustainable” fund, and some go much further. Online brokers offer pallets of several hundred media, and sustainable funds are usually corrected by dozens. At Linxea, for example, Linxea Spirit 2 encloses 200. There is also a handful of contracts that have chosen exclusively such financial offers.
This is the case of responsible and solidarity life insurance for the MAIF, the solidarity contract of Crédit Agricole and, more recently, responsible prefair, developed by the additional pension plan reserved for members and former members of the public service. This last contract is however open to all public.
If the law pushes insurers to accelerate the cadence, it is not the only reason for this sudden craze: “This corresponds to a true request from our insureds”, testifies Stéphane Dessir, Managing Director of the MACSF, a specialized mutual for the health medical profession.
The results are at the rendezvous
In the wake of the development of pilotized management, insurers have also developed offering offering offerings that meet the expectations of savers who wish to privilege these sustainable funds. Supervenir proposes a mandate conviction sustainable development, administered by the Group Management Company, Federal Finance Management, and launched in December 2019. For its first calendar year, it gained a gain of 4.8% by reconciling In Extra-Financial Criteria and Performance Search.
Boursorama Banque, which has been managing managed for several years with Edmond de Rothschild, also extended its offer to the ISR through mandates entrusted to the Sycomore management company, which builds allocations that meet different levels of risk exclusively through funds that have obtained the ISR label promoted by the State.
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