Summary
The following information relates to all variants of our “Sustainable Portfolio” asset management (each with its own split of bonds and equities), i.e. the strategies 0/100, 10/90, 20/80, 30/70, 40/60, 50/50, 60/40, 70/30, 80/20, 90/10 and 100/0.
- You take responsibility with your investment. Your investment takes environmental and social selection criteria into account.
- With our sustainable investment strategy, you invest your money in a broadly diversified way on the global capital market (around 3,300 companies and around 1,000 debtors) and do not have to give up profitability or take on higher risk over the long term.
- You benefit from our time-saving professional asset management based on low-cost index-tracking funds and ETFs.
- Eleven investment strategies with different equity and bond ratios are available to match your risk-return profile. The proportion of investments that take environmental and/or social characteristics into account is 99.6 per cent; the remaining proportion does not take these characteristics into account.
- The selection takes into account companies that display environmental characteristics, e.g. companies that are among the better performers in their respective sector when it comes to greenhouse gas emissions or the avoidance of pollution (best in class). On the other hand, companies with certain social characteristics are excluded, e.g. companies that disregard the United Nations Global Compact, for instance by violating the ban on child labour, or companies that manufacture nuclear weapons.
- Investing in a broadly diversified sustainable portfolio also carries risks: sustainability data is in some cases supplied to our data provider by the companies themselves, and there is scope for discretion, which can constitute a limitation of the methods and data. We will be happy to explain the details to you in a personal conversation.
- In the Sustainable Portfolio, the sustainable characteristics of investments are not placed above return and risk considerations. Our asset management therefore does not pursue a sustainable investment objective. Consequently, no reference value is named for the attainment of a sustainable objective.
- For monitoring the ESG characteristics, we use the world's leading provider of sustainability data, MSCI ESG Research LLC, which processes the data from publicly accessible company documents, alternative sources such as reports from NGOs, and the media. Internally, all investment decisions are regularly analysed with great care by the investment committee.
- Our investment experts are in dialogue with fund issuers. Involvement with the companies in which we invest exists indirectly through the selection of the respective ETFs, in which environmental and social characteristics are taken into account.
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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