Investment strategy
For composing the Sustainable Portfolio, beyond the ESG criteria we also draw on the proven scientific findings of financial market research. Accordingly, the portfolio is broadly diversified in order to reduce dependence on the performance of individual companies, sectors, countries or regions and to systematically harvest the returns of the global capital market.
For fund selection, we use data from the provider MSCI ESG Research LLC, which has developed a rating methodology for collecting, consolidating and evaluating characteristics for key environmental and social themes as well as key themes of good corporate governance. Key themes here are ownership and control structures, the composition of the board, remuneration and accounting, as well as corporate conduct in relation to business ethics and tax transparency. The area of corporate governance and its key themes are regarded as fundamentally relevant. The area therefore contributes at least 30 per cent to the overall value of the ESG Score in every sector. In the assessment, transparency and/or deviations from the principles of good corporate governance lead to deductions.
With us, you invest in carefully selected ETFs and index-tracking funds that cover over 3,300 companies and around 1,000 debtors. This diversification minimises the unsystematic risks in the account. Furthermore, we pursue a forecast-free and cost-efficient approach that is not based on individual securities. When selecting ETFs, we take ESG ratings, CO2 metrics and exclusion criteria into account, for example for controversial weapons and violations of the UN Global Compact.
To ensure fair return prospects for our clients, we deliberately refrain from a one-sided focus on sustainability when constructing the portfolio and do not exclude every conceivably controversial topic. Nevertheless, with our account structure we achieve significant improvements in key sustainability metrics*.
Frequently asked questions
What are ETFs (index funds)?
In recent years, exchange traded funds (ETFs) have established themselves as an alternative to open-ended, actively managed investment funds. An ETF replicates a given index as precisely as possible and adjusts its composition to match its reference value.
For example, when you buy an MDAX ETF, you get all the stocks in the MDAX in exactly their current composition on the market. If the composition of the MDAX changes, the composition of your ETF changes too.
As a result, the management and administration fees for an ETF are significantly lower. On average they amount to 0.17 percent of the invested sum per year. If a fund manager actively looks after your investment funds, the costs rise to 1.5 to 2.5 percent per year.
What does Global Portfolio mean?
If you opt for our Global Portfolio, you invest across the entire market. From the risk you are willing to take, we derive the composition of your portfolio. More equities mean more risk – but also more return opportunities. More bonds reduce the risk – but also the return opportunities.
The Global Portfolio is generally suitable for building wealth. You can also take it out in a sustainable variant.
How does account opening work?
First, you register via “Open account” on our portal. To do so, you sign up with your email address and a password of your choice.
You then receive a PIN code by email to verify your email address. Once you have entered this PIN code, your personal details, contact details and ID details are recorded.
Finally, you have the choice between identity verification in the quirion app, on your computer, or at a Deutsche Post branch. Your quirion account is then opened for you without delay.
How does online video identity verification work?
quirion has to be certain that you really are the person for whom the account or the securities account is being opened.
For banks, the German Anti-Money Laundering Act requires an identity verification check.
With quirion, you have the choice:
You can verify your identity by VideoIdent, in the quirion app or on your computer.
You can also use the online ID function (eID) of your identity card, or verify your identity with PostIdent at a Deutsche Post branch.
For this you need a valid identity card or your passport plus proof of address (e.g. a phone bill).
The easiest way is to verify your identity with our app.
Once identity verification is complete, we receive your data and can then open your account.
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