Epargne : votre conseiller bancaire doit vous interroger sur vos préférences en matière de développement durable

From Tuesday 2 August, your bank should ask before getting a placement product, to find out if you want to make more responsible investments. A new measure of the European Commission aimed at the orientation towards sustainable development is being agitated.

La fiber écologique should now be part of the vocabulaire de votre conseiller bancaire. Ce dernier, tout comme les conseillers en gestion de patrimoine disposant du statut de « conseiller en investissements financiers » (CIF) from 1er janvier 2023, will be obliged to question you with « vos préférences de durability ». If so, we recommend green or social investments relevant to your project.

Additional European rules

This new regulation complements recent rules to ensure insurance contracts and retirement plans. In effect, depuis 7 mois, chacun d’entre eux must necessarily propose at least a solidarity fund, an ISR fund and a Greenfin fund.

This new questionnaire on the importance of the consequences of the investment environment, will in the sense of a better award in the account of the problems of sustainable development in the banking sector. Les conseillers vont now devoir ask yourself questions directly to assess preferences“au niveau d’un placement financier ou au regard de la totalité de votre portefeuille”, according to the Autorité des Marchés Financiers (AMF).

Les criteria extra-financiers pris en compte

Assess your sustainability preferences and advise you on suitable placements, the bank advisor relies on 3 axes, highlight the AMF. All to be addressed, la proportion de votre argent investie dans des activités considéraires comme durable sur le plan environnemental par la classification européenne appellé Taxonomie (eg taxonomy).

This last base is based on the environmental objectives set by the Union européenne, it knows that adaptation to climate change, the sustainable use and protection of aquatic and marine resources, or even the transition to a circular economy.

bathroom with bathroom, your advisor takes into account the proportion of your investment what do you want to be investigated in durable placements, ainsi que les “incidences négatives” de placement (emissions de gas à effet de serre, déchets dangereux, violation des droits de l’homme, etc.).

Que contient ce questionnaire vert obligatoire?

Do you want to support a particular environmental objective, like biodiversity conservation? Souhaitez-vous investitor tout ou part of your épargne in certain sectors d’activité comme les énergies renouvelables? Acceptez-vous qu’un certain percentage of your placements finance les énergies fossiles? Do you want to be sure that your investment has no negative impact on the fight against climate change?

Here is a non-exhaustive list of questions to which you can submit. If no placement meets the terms of sustainability, your adviser “voi proposura d’adapter vos preferences initiales, ce qui devra être consigné par écrit, afin d’être en mesure de you recommend un placement”, according to l “AMF.

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