FAQ.
Here you will find answers to your questions. If you have any further questions, we are always at your disposal. Feel free to contact us.
WHAT IF?
... We save our planet for future generations and create globally just development opportunities for all living beings through sustainable innovations in technology, economy and society. This is the vision with which the naturAlly project started. As we are still at the very beginning of our journey, we would like to take you with us to create a service like never before. Let's shape our future together, create change and enlightenment to save our planet with our collective influence. It's not too late, join us.
WHAT MEANS SUSTAINABILITY?
The term sustainability originally comes from forestry: if you only fell as many trees as can grow back, you ensure that the forest is available for future use and retains its value in the long term. We call this responsible. Preserving the natural foundations of life, advancing the economy through more environmental protection and innovative technologies, and at the same time ensuring prosperity and social progress. Responsibility that links the people living today with responsibility for future generations. For each generation must solve its own tasks and not burden future generations with them. This basic rule was already laid down in 1987 in the report "Our Common Future" of the World Commission on Environment and Development (Brundtland Commission): "Sustainable development is development that meets the needs of the present without compromising the ability of future generations to meet their own needs".
What is investment
In finance, a Investment an asset with the help of which income and assets are to be maintained and increased in the future. It is also possible to sell the asset again later at a higher price. Investors therefore assume that their investments will have a higher payout value in the future than the original investment sum. This is called appreciation. In addition to an individual investment, there is also the possibility of investing in a so-called fund, which can combine different types of investment. Funds are usually actively or passively managed. Passive means that a certain reference value, such as an index, is followed. Active means there is a management that tries to manage opportunities and risks in the best possible way. The naturAlly fund is actively managed.
WHY INVEST RESPONSIBLY?
Responsible investing is about investing in progress. invest. Because companies that face up to the big challenges have more opportunities for growth. It is about advocating for better business practices and for development that leads to a better future. By incorporating sustainability, risks can be reduced, e.g. environmental risks can be reduced, but also better opportunities can arise, because innovations can enable solutions that were not available before (e.g. recycling).
WHAT IS DIVESTMENT?
The Divestment-There is a movement in 60 countries around the world. Its activists try to withdraw investments from unethical industries under the aspect of climate and environmental protection. The special thing: Divestment does not boycott capitalism, but uses its structures to avert environmental crimes, for example.
WHAT IS A SHARE?
A Share is a share in a company (a public limited company). Shareholders are therefore co-owners who have a financial stake in the company. In return for his capital, the company gives the shareholder a Share.
WHAT ARE FUNDS?
In the case of investment funds, an investment company collects money from investors and invests it at the Example in shares, bonds, commodities or real estate. Because they invest in many values at the same time, they distribute Fund the risks. There is a very highly developed European regulation that brings about a corresponding quality assurance.
WHAT IS THE DIFFERENCE BETWEEN ACTIVE AND PASSIVE FUNDS?
While passive funds (mostly ETFs) and their contents are predominantly oriented towards indexes, the fund management of an active fund is more or less active in buying and selling various securities. Passive funds are therefore usually cheaper, but are often very closely tied to indexes and thus also often to industry leaders. Active funds are usually more costly. At the same time, especially in the area of responsible portfolio management, they open up more precise investment in innovative and often undervalued companies through specialised fund managers and can thus probably also achieve greater desired influence.
WHAT IS A FUND OF FUNDS?
Simply explained, funds of funds are investment funds that not in securities, but In turn, in other funds (target funds) or Exchange Traded Funds (ETFs) invest. The target funds can include equity funds, bond funds, real estate funds, but also mixed funds or private equity funds. Investing in funds of different asset classes enables a broader spread of risk. Funds of funds thus literally form an umbrella over other funds, which is why they are also called "funds of funds" or "asset management funds". For investors, funds of funds are extremely convenient - because by investing in just one fund, they can invest in several different target funds. Most funds of funds are open-ended investment funds - so anyone can invest, buy more units and sell them at any time.
WHAT DOES ESG MEAN?
ESG is understood to mean the consideration of environmental, social and governance criteria.
WHAT IS THE ESG APPROACH?
The "Environmental" factor analyses a company's environmental performance - e.g. energy savings or reduction of pollutant emissions. The criterion "Social" includes the examination of working conditions, customer and supplier relations as well as personnel management. And the analysis of the factor "Governance" sheds light on corporate management in terms of transparency and independence. How managers are appointed and remunerated can also be important, or what attention is paid to shareholders.
WHAT ARE THE ESG CRITERIA?
In Germany, the most frequently mentioned are Exclusion criteria for example:
- Production and trade in weapons
- Human rights and labour rights violations
- Gambling
- Corruption and bribery
- Tobacco and alcohol
- Nuclear energy
- Environmental destruction
WHAT IS MEANT BY CSR?
Under "Corporate Social Responsibility" or short CSR is the social responsibility of companies in the sense of
of sustainable business. You can find out more about naturAlly's CSR strategy here. HERE.
WHAT IS THE DIFFERENCE BETWEEN ESG AND CSR?
The decisive Difference between ESG and CSR consists in the fact that it is Corporate Social Responsibility rather an "add-on". In addition to the actual corporate goal, everyone should not forget corporate responsibility.
WHAT ARE THE SDGs?
The (Sustainable Development Goals, SDGs) are to be achieved globally and by all UN member states by 2030. This means that all states are equally called upon to solve the world's pressing challenges together. You can find the 17 Social Development Goals HERE illustrated.
WHY USE NATURALLY-APP TOGETHER WITH OTHERS?
Together we are all strong and have more influence than we think. Make a difference with your money and your contacts. naturAlly App (Start Beta 01.01.23) is your holistic responsible ally, not only for finances, which you can join from the beginning. Through the integrated business network, you get great tips and ideas that fit you and your life. Through clear guidelines in terms of the UN development goals and clear ESG criteria, you will learn about responsible investments, evaluate them and find out what is suitable for your investment and your naturAlly universe.
WHAT IS YOUR BANKING DATA COLLECTED FOR?
You have the possibility to have all your banking data from your various financial service providers in one app via so-called APIs. This way you can create your complete balance sheet, see exactly where you can save, what expenses you have, when and where.
and it helps you manage your finances more easily. Make transactions like bank transfers, pay your bills, manage your withdrawals and stay on top of things.
WHAT IS A BANKING API?
A Banking API is an interface through which banks provide account information and access to account functions. After authorisation by the account holder, third-party providers such as your naturAlly app can access the released data and functions via the banking API.
WHY RISK PROFILE?
As individual as every investor is, so are the goals and needs when it comes to making investments. In order to successfully realise your personal investment goal, you should think about your own risk capacity and risk tolerance. It is important that you are always aware that there are always opportunities and risks involved in making investments. By asking specific questions, you can determine an investment strategy tailored to your needs based on your risk capacity and risk tolerance. The analysis is, for example, about clarifying how much money you can invest without getting into financial difficulties due to unforeseen expenses or events. This is called Risk capacity described. Among other things, information on your assets and income situation is essential for assessing your risk capacity. In addition, you have to ask yourself how you
risky investments, i.e. you determine your risk tolerance. Risk-taking. It's all about balancing risk and return. It doesn't matter what gender you are, where you come from or what your name is, everyone has the same opportunities and
This works through your individual numbers and details. You should always make your profile for yourself alone, in order to avoid any possible influence on an increase or decrease in another profile. Risk class instead of your own assessment.
WHY NATURALLY PROFILE?
Through targeted questions and exclusion criteria, you determine your personal naturAlly sustainability profile. Based on this profile, you will be given the opportunity to democratically participate in the fund selection of your financial product, i.e. to exert a targeted influence. In this way, you can influence the future of all naturAlly activities with your vote. In addition, it will be possible for you to invest in sectors that are important to you according to your profile and to bring about change.
ESG profile
Influence and impact of money on the environment (Environment) sowie Soziales- (Social),
Sense of ethical and social responsibility (Governance)
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SDG Profile
Influence and impact of money invested in one or more of the 17 UN-defined areas
Social development goals (Social Developement Goals)
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Personal naturAlly sustainability profile
WHY DO YOU DEFINE YOUR INVESTMENT GOALS?
In order to secure your basic financial security, you define your realistic financial goals on the basis of your ideas. In order to invest your money in a sustainable and future-proof way, you take advantage of 3 options:
(1) Your Safe (formerly savings trunk), cash values for your security and liquidity
(2) Your Property (also nest), tangible assets for your standard of living and foundation for your family
(3) Your Pension (is safe), productive values for your future provision and securing your retirement.
These three goals fall under the heading of basic goals for your own financial security. Of course, you can always add your own goals, such as a trip around the world or a sailboat, and plan them in a goal-oriented way. You simply define whether your goals are realistically achievable, how you achieve them and when.
WHAT DOES THE NATURALLY FUTURE HOLD?
naturAlly will become your sustainable compass in all areas of life and many more products around your responsible life will follow. Of course, we won't reveal everything. But there will be many things that you will enjoy and benefit from.
WHY LIECHTENSTEIN?
There are many reasons to choose Liechtenstein. Liechtenstein is one of the few countries in the world that has had a AAA rating for many years. This means the highest economic stability. Liechtenstein has a highly developed fund industry and therefore offers the
optimal infrastructure for FinTechs, start-ups and companies like naturAlly. The country is known for its service-friendliness par excellence. Hand in hand, authorities and companies are jointly shaping a paradise for creative entrepreneurs. The repositioning from niche player to quality hotspot that has been taking place for many years offers the best opportunities to enter markets in a serious manner. Excellently trained professionals and many years of international experience provide an optimised foundation. The EEA membership enables easy access to the European markets. The
central location between the other three German-speaking countries of Germany, Austria and Switzerland perfects the location. Liechtenstein is the residence of one of the founders.
WHY NETWORK MARKETING, AMONG OTHER THINGS?
Instead of spending a lot of money on advertising and making products more expensive, we have decided to sweeten the recommendations of our friends and networks a little. All those who recommend us will be rewarded by us. Whether they are satisfied clients, representatives, coaches or sustainable partners. They all receive remuneration because they make sure that the "ball starts rolling". Everyone benefits from each other and has the same opportunities to build up a steady passive income.
HOW DO I KNOW IF AN OFFER IS REALLY RESPONSIBLE?
Due to the popularity of the words "sustainable" or "green", there has been a real "run" to so-called sustainable or green offers, which in turn has led to the words "sustainability" or "green" being used in many cases not as a product feature but as a marketing component. Greenwashing is the issue. Helpful then are signed codes, recognised sustainability ratings and, above all, sustainability seals that carry out an elaborate product check and then evaluate it.
WHAT ARE SUITABLE RATINGS OR SEALS FOR ASSET MANAGEMENT?
ISS, Suststainalytics, Climatrics and MSCI are the rating agencies that naturAlly follows. The EUROSIF transparency seal is virtually the minimum market standard, while the FNG and ÖGUT seals are certainly the best choice and highest level in the D-A-CH region.
WHY IS naturAlly "ONLY" A MEMBER OF the FNG AND NOT BESIlT?
naturAlly Funds is an asset management fund of funds, which in turn is invested in so-called target funds. naturAlly uses the EUROSIF seal, but is so far "only" a member of the FNG. The aim of the naturAlly funds is to integrate "the best" from all (fund) worlds into the naturAlly funds. In order to receive an FNG seal, the fund must be thoroughly audited down to the last instrument of the individual target fund. Thus, many of the funds included in naturAlly Funds are awarded one, two or three seals at FNG, but by far not all. This is also due to the fact that naturAlly tries to position itself more internationally and also in other target markets as far as the target funds are concerned. In their countries, however, other seals are more popular than the FNG seal in Germany. So we try to get target funds to apply for an FNG seal on the one hand, and on the other hand, if not in FNG, to use an adequate seal as a benchmark.
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