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Are sustainable investments risky?
Do you want to build up your pension provision securely and sustainably? If so, you have probably already come across the Descartes 3a pension plan.
What the Descartes precautionary solution special, as they are in terms of Sustainability and why it stands out in Times of crisis has proven to be stable so far?
You can learn this and more in the following Descartes Precaution field report.
Founded in Zurich in 2015, Descartes Finance (DF) has since offered solutions for free investments resp. Robo Advising, Vested benefits accounts and the 3a pension area to. Under the fire "Descartes Precaution." the fintech also offers vested benefits accounts and the 3a pension area.
Founder Adriano Lucatelli and his team are committed to sustainable investing (ESG). Anyone who invests with Descartes Vorsorge knows that this was not just created in the sustainability hype of recent years. On the contrary, DV is one of the Swiss pioneers in terms of environmentally friendly investment.
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Sustainable investment The Descartes pension investment strategy, on the other hand, has gained in popularity in recent years and probably does not need to be explained here. The Descartes precautionary investment strategy, however, is different.
Let's take a brief look at what risk actually means in the stock market. Risk is fluctuation (also called volatility). Things can sometimes get wild on the stock market, which unsettles investors.
A Minium variance strategy aims to reduce these fluctuations. While some stocks are known for wild price movements, others tend to be calmer. In this case, the latter are preferably selected in order to achieve a higher proportion of shares to be able to choose, without taking more risk.
Taking a look at the top 10 individual stocks in your Descartes Pension Portfolio you will not find the usual suspects like Apple or Roche at the top. This is classically the case in some well-known indices. In the article about the Swiss Market Index (SMI), for example, you have already read that this index has a poor risk distribution due to a few, large individual stocks.
The Descartes precaution Minimum variance investment strategy in this example does not assign a title with more than 1% Weighting and thus distributes the risk evenly.
This more active approach is implemented in the background by OLZ (FINMA-licensed) and the private bank Lienhardt & Partner Zurich serves as custodian bank.
All Descartes pension fees are transparently listed on the website and are as follows:
No foreign currency fees (as all funds are purchased in Swiss francs), no spreads, no federal stamp duties, and no issuance and redemption commissions!
Descartes Vorsorge's fee structure is not only transparent, but also extremely fair with its investment process optimized for the Swiss. With other providers, sometimes occurring and well-hidden costs are not due here.
Descartes precautionary fees example:
With a maximum share quota of 100%, the following fees are due on an investment from the 3a maximum contribution over CHF 6,883:
0.2% management fees + 0.6% TER = CHF 6'883 x 0.8% = CHF 55. In case of a return increase or loss, the fees vary accordingly.
In a pension comparison, the Descartes pension solution proves to be sustainable all-rounder. Many years of experience in the ESG sector with sustainable investments and the minimum variance strategy particularly stand out.
The approach of a digital pension solution and an optional on-site consultation make the offer complete. Especially in Combination with other serviceslike the Descartes precaution Investment or vested benefits, this will be exciting.
So you can depending on Life situation or financial plans your contact person.
The Optimization in fees was made for the benefit of customers and not just for advertising posters.
The question is whether potential customers will also see the benefit of fair fees, or whether convoluted fee structures with hidden costs will attract more customers.
Does this not remind you of the big question of the star investor Warren Buffet: Would you rather be
Your answer and your evaluation of Descartes Precaution in the comments would interest me!
Click on the button to find out more about sustainable pillar 3a with Descartes pension provision. You can also find an article about the Descartes Invest solution and their special features.
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2 responses
Dear blogger
the article is very appealing and I found it on the website of https://descartes.swiss/de-ch/saeule-3a/ once. In the proposed pension plan, the big players NESTLE, Novartis and Roche unfortunately appear among the top 3 in my Descartes 3a pension strategy. That doesn't fit in with the claim to sustainability. Have the criteria changed?
Many greetings
Raissa
Dear Raissa,
Thank you for your advice! The topic of ESG (environmental, social and governance) in pillar 3a can often be complex, as different providers apply different criteria. Even though Descartes aims for sustainability, depending on the strategy, well-known Swiss companies such as Nestlé, Novartis and Roche may still be highly weighted due to their stability and market strength. This could be due to a trade-off between ESG factors and financial potential. For detailed information, I recommend contacting Descartes directly.
Many greetings!