Solutions have multiplied for investing in a “green” way within life insurance, with the initiatives of some fintechs and numerous units of account labeled socially responsible investment (SRI). But until recently there was something largely forgotten: the euro fund. However, it is the pillar of life insurance, both for investing your savings securely and for receiving capital between two arbitrations. However, responsible offers for this investment are rare.
A gap filled in April by the insurer Spirica – Crédit agricole assurances – which offers the first fund in euros dedicated to the fight against global warming, called the Euro Objectif Climat Fund. According to the company, it pursues two major objectives: adaptation to climate change and sustainable management of our resources. To do this, its portfolio is made up of between 70 and 80% of green bonds (or green bonds). These securities make it possible to direct capital towards projects linked to the climate or the environment. “The bond market now offers a wide range of green bonds, which makes it possible to sufficiently diversify the risk for a euro fund whose capital is guaranteed,” notes Clara Teboul, head of life insurance and PER at Linxea.
This fund is distributed in several contracts insured by Spirica, accessible within the framework of free management, via initial, additional or even free scheduled payments. It cannot be the receptacle of capital coming from arbitrage.