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 equitable development opportunities for all living beings through sustainable innovations in technology, business and society. A 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 that has never existed before. Let's shape our future together, bring about change and education, and use our collective influence to save our planet. It's not too late, join us.
WHAT IS "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. Due to the inflationary use of the word "sustainable", we prefer to use "responsible". Preserving the natural foundations of life, advancing the economy through greater environmental protection and innovative technologies and at the same time ensuring prosperity and social progress. Responsibility that combines the people living today with responsibility for future generations. After all, each generation must solve its own problems and not burden future generations with them. This basic rule was laid down as early as 1987 in the report "Our Common Future" by 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 that is used to maintain and increase income and assets 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 amount. This is called capital appreciation. In addition to an individual investment, there is also the option 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 specific 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 and, of course, so is the asset management of our partner.
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 management. 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 realise. Make a difference with your money and your contacts. naturAlly App/Web is your holistic responsible ally, not just for finances, which you can be a part of right from the start. Through the integrated company network, you also get great tips and ideas that suit you and your life. With clear guidelines in line with the UN development goals and clear ESG criteria, you will get to know and evaluate responsible investments and find out what is suitable for your investment and your naturAlly universe.
WHAT IS YOUR BANKING DATA COLLECTED FOR?
You have the option of having all your banking data from your various financial service providers in one app via so-called APIs. This allows you to create your complete balance sheet, see exactly where you can save, what expenses you have when and where
and it helps you to manage your finances more easily. Make transactions such as transfers, pay your bills, manage your payments and always keep track of everything.
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 their goals and needs when it comes to investing. In order to successfully realise your personal investment goals, you should think about your own risk capacity and risk appetite. It is important that you always realise 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 appetite. The aim of the analysis is, for example, to clarify how much money you can invest without getting into financial difficulties due to unforeseen expenses or events. This is called Risk capacity described. Information on your assets and income situation, among other things, is essential for assessing your risk capacity. You should also ask yourself how you
risky investments, i.e. you determine your risk exposure Risk-taking. This is about weighing up risk and return. Your gender, origin and name don't matter, everyone has the same opportunities and risks.
This works through your individual figures and details. You should always make your profile for yourself in order to avoid any possible influence on an increase or decrease in another Risk class instead of your own judgement.
WHY NATURALLY PROFILE?
You determine your personal naturAlly sustainability profile by means of specific questions and exclusion criteria. Based on this profile, you will have the opportunity to participate democratically in the fund selection of your financial product, i.e. to exert a targeted influence. In this way, your vote will influence the future of all naturAlly activities. In addition, you will be able to invest specifically in the sectors that are important to you according to your profile and bring about change.
ESG profile
Influence and impact of money on the environment (Environment) and social (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?
To ensure your basic financial security, define your realistic financial goals based on your expectations. There are 3 ways to invest your money sustainably and future-proof:
(1) yours Safe (formerly a nest egg or emergency fund), cash assets 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 assets for your future provision and to secure 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 travelling the world or buying a sailing boat, and plan them in a targeted manner. You simply define whether your goals are realistically achievable, how you will achieve them and when.
WHAT DOES THE NATURALLY FUTURE HOLD?
naturAlly will become your sustainable compass in all areas of life and many other products relating to responsible living 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
The central location between the other three German-speaking countries of Germany, Austria and Switzerland makes the location perfect. Liechtenstein is home to one of naturAlly's 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 your recommendations to our friends and networks. All those who recommend us will be rewarded by us. Whether it's satisfied clients, financial images (reps), wealth images (coaches) or other sustainable partners. They all receive remuneration because they ensure that the "stone gets 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.
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