You benefit from a diversified investment strategy and make a positive contribution to the environment and society: Your Goldmarie Essential Portfolio contains only stocks of companies that meet our strict sustainability criteria. We continuously adjust the composition to align with your investment goals.
| Minimum investment: | 4000 € |
| Saving plan: | starting from 100 € per month |
| Contract cancelation: | possible at any time |
| Costs: | max. 1,79 % annually |
You get
Consistent Sustainability
A simple investment with saving plan
Real stocks that we manage for you
Our portfolio management
We create an individual Goldmarie Essential investment for you based on your personal details. We take into account your experience, sustainability ideas and your current financial situation. The portfolios of Goldmarie Finance contain between 12-30 shares and a certain proportion of bonds, depending on the risk level. You can, of course, view the specific breakdown of your portfolio in your app at any time.
Our stock universe, which contains only sustainable stocks, serves as the basis for stock selection. You can find out more about this looking at our exclusion and selection criteria. In addition, we exclude companies whose carbon footprint exceeds a certain limit and which have a low ESG score. To ensure sufficient liquidity of the shares, we set a minimum limit to the average trading volume of the shares. In addition, to minimize risk, the stock universe only includes companies above a certain size. We use the market capitalization of the companies as a criterion here.
The bond portion is supposed to stabilize your investment. We currently use a sustainable bond ETF which is also rewarded the FNG Siegel.
The Goldmarie Essential investment strategy is broadly diversified across different industries. Here, investments are also made in companies that -although they meet our strict sustainability criteria- do not make a direct positive contribution to an environmental or social goal.
Pricing
With us, all costs are combined into a simple all-in-one fee. In addition to the management fee, this fee includes all costs associated with the investment of funds including transaction costs and custody fees. Our costs are staggered and depend on the volume of your investment:
| Investment sum | Annual all-in fee
with respect to the investment sum |
i.e., monthly about . . . |
|---|---|---|
| from 4.000 € | 1,79 % | 6,00 € - 7,50 € |
| from 5.000 € | 1,74 % | 7,25 € - 8,70 € |
| from 6.000 € | 1,70 % | 8,50 € - 14,20 € |
| from 10.000 € | 1,64 % | 13,70 € - 20,50 € |
| from 15.000 € | 1,60 % | 20,00 € - 32,00 € |
| from 24.000 € | 1,54 % | 30,80 € - 320,90 € |
| from 250.000 € | 1,45 % | 302,10 € - 604,20 € |
| from 500.000 € | 1,34 % | 558,30 € - 837,50 € |
| from 750.000 € | 1,20 % | 750,00 € - 1.000,00 € |
| from 1.000.000 € | 1,04 % | from 866,70 € |
Sustainability
By making an investment, you benefit from the business models of the companies you invest in, or you finance government activities through government bonds, for example. All of our investments are consistently focused on ecological and social criteria and meet certain minimum standards. The European Union has developed various regulations for sustainable finance. These aim to:
- avoid adverse impacts on people and nature;
- create transparency and consistency in customer information;
- label financial products with positive impacts.
Kundeninformation zu Nachhaltigkeitsthemen gemäß EU Regulierung (german only)
Sustainability in terms of EU green taxonomy
Through the EU Taxonomy Regulation, companies' ecological activities are backed by concrete figures. For example, companies must disclose the revenue they have generated from products that contribute to climate protection.
The EU has defined six environmental objectives for this purpose:
- Climate change mitigation
- Climate change adaptation
- Sustainable use and protection of water and marine resources
- Transition to a circular economy
- Pollution prevention and reduction
- Protection and restoration of biodiversity and ecosystems
In relation to these environmental objectives, we use companies' data to assess their alignment with ecologically meaningful business activities when assembling our investments. Our interpretation of sustainability is sometimes stricter than that of the EU: for example, the generation of nuclear power is excluded from our investments, whereas the EU views it as a green transitional technology for climate protection.
The EU's environmental objectives partially align with our impact themes. Therefore, we can cross-check and supplement companies' reporting data with data from imug rating GmbH. This is particularly helpful because reporting requirements have only recently been introduced and apply only to large companies. When assembling your investment, we can thus gain a more comprehensive picture and also include smaller companies, which are often particularly innovative.
Your Goldmarie Essential investment guarantees the following sustainable shares:
Goldmarie Essential including government bonds
Goldmarie Essential without government bonds
The proportion without a positive contribution to ecological goals according to the EU Taxonomy Regulation can be relatively small, as it also includes investments in:
- business activities that have no significant ecological or social impacts—meaning they neither harm nor benefit;
- business activities that provide social or ecological benefits, which have not yet been included in the reporting requirements under the EU Taxonomy;
- companies for which taxonomy data is not yet available;
- government bonds.
Prevent damage on nature and society
When assembling your investment, we have also considered potential harm to the environment and society.
We are guided by the so-called Principal Adverse Impact (PAI) factors defined by the EU and by criteria suggested by the United Nations or NGOs. Our sustainable investments exclude companies that operate in certain business sectors. In some cases, we tolerate a revenue share up to 10 %.
|
Chemicals of Concern |
|
Abuse of Animals |
|
Civilian Firearms |
|
Coal |
|
Nuclear Power |
|
Fossil Fuels Industry |
|
Military |
|
Pornography |
|
Gambling |
|
Unconventional Oil and Gas Involvement |
|
Tobacco |
To ensure compliance with the UN Global Compact, critical incidents or scandals in the areas of human rights, labor law, environmental protection, and corruption lead to the exclusion of companies from our investments.
We cannot completely eliminate the following issues, but we assemble the investments in a way that they are minimized as much as possible:
- Greenhouse gas emissions
- Consumption of non-renewable energy
- Impacts on ecosystems and biodiversity
- Generation of hazardous waste
- Unfair wage distribution based on gender
Environmental-friendly and social investments
When assembling your portfolio, companies are specifically selected that contribute to the following points through their business activities:
|
Energy & Climate Change |
|
Protection of Ecosystems |
|
Water & Sanitation |
|
Infrastructure |
|
Responsible Finance |
|
Food & Nutrition |
|
Health |
|
Capacity Building |
|
Access to Information |
imug rating GmbH evaluates how much revenue a company generates from products or services that contribute to the goals mentioned above. At the investment level, we use the total value of sustainable economic activities from all stock positions, considering their weights as an indicator, which we balance with risk, return, and diversification. Additionally, companies with a better overall sustainability rating (imug ESG-Score) are preferred.
Your investment may include a proportion of bonds that stabilize your investment and adjust to your personal risk profile. We use bond ETFs classified as Article 9 under the Disclosure Regulation (EU 2019/2088) and that are rewarded the FNG-Siegel.
Thus, your portfolio also meets all the criteria for Article 8 financial products according to the EU Disclosure Regulation.
Learn moreInvolved Instruments
Your Goldmarie Essential Investment combines a selection of the companies andd bonds listed below:
Raiffeisen-GreenBonds
The Raiffeisen GreenBonds is an actively managed bond fund that consistently pursues sustainable investments in accordance with Article 9 of the Disclosure Regulation (EU) 2019/2088. The fund's objectives and criteria are clearly defined and serve as guiding principles for its investment strategy. It imposes strict requirements on the issuers of bonds, which can be governments or companies, ensuring that the fund invests in bonds issued by entities that do not cause significant societal or environmental harm.
A central goal of the fund is to make a positive impact. At least 90% of the fund's assets are invested in sustainable projects with specific environmental objectives. Additionally, the fund allocates a minimum of 51% of its assets to "Green Bonds" issued to finance environmentally relevant projects, particularly those addressing climate-related issues. This demonstrates the fund's strong commitment to ecological sustainability and the fight against climate change.
Overall, the strategy of the Raiffeisen GreenBonds fund underscores a clear focus on sustainable investments, both in terms of government investments and the selection of companies. This underscores the fund's commitment to promoting sustainability and social responsibility in its investments.
Choose your focus
You benefit from a diversified investment strategy and make a positive contribution to the environment and society: Your Goldmarie Essential Portfolio contains only stocks of companies that meet our strict sustainability criteria. We continuously adjust the composition to align with your investment goals.
Your Goldmarie Impact Portfolio helps you make the most of your money. You invest in specially selected stocks with a focus on maximizing ecological and social sustainable impact. Not only do you seize opportunities, but you also make a significant contribution to the environment and society.