Insurance

Your savings go green with Goodvest life insurance

Yes to more responsible life insurance. With Goodvest, you decarbonize your savings.

Without you realizing it, your savings are responsible for 11 tons of CO2 emissions each year. This is the equivalent of 10 Paris-New York round trips. Despite ourselves, our savings in the bank make it possible to finance highly polluting projects, such as fossil fuels.

Since its creation in 2020 by Joseph Choueifaty and Antoine Bénétau, Goodvest has established itself as the personalized green savings solution accessible in a few clicks thanks to its innovative algorithm.

Goodvest allows you toinvest in themes in line with your values such as renewable energies, the environment, access to water, employment and solidarity. The French startup promises to systematically exclude from its portfolios the most harmful sectors, such as fossil fuels, armaments or tobacco. Your portfolio is thus entirely personalized according to your values, your choices and your risk profile.

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Responsible investment, protection against inflation

Contrary to popular belief, Investing responsibly does not mean underperformance. Quite the contrary… Goodvest makes your savings grow and succeeds in combining responsible investment and performance. Such an investment generates returns comparable to, or even superior to, those of traditional funds. On condition of being daring…

To make sure, Goodvest provides a simulator in its “Performance” section: it’s up to you to choose the amount of the first payment envisaged, the estimated monthly payments and the duration. You can also define your risk profile. Yes, remember thatin investment, risk and return are closely linked.

For example, if you select the voluntary profile with a first payment of 5000 euros and monthly payments of 200 euros with a long-term plan, you obtain an estimated annual rate of return of 4.8%. If you choose the ambitious profile, the rate rises to 5.4%*.

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It is thus a good protection against inflation. Indeed, the booklet A may provide some security (with capital guaranteed by the State), it is not a model of profitability, with an annual return capped at 1%. Life insurance allows you to grow your savings and enjoy other tax benefits. Provided you feel a bit adventurous. Beyond eight years of contract, you can enjoy 4600 euros of tax exemption on the capital gain or 9200 euros if you are married or civil union.

Goodvest says “no” to greenwashing and promises finance really green

Unlike many fintechs that use our current concerns for the environment for their own benefit, Goodvest intends to take real action. It is the only life insurance that offers investment portfolios in strict compliance with the Paris Climate Agreementa treaty aimed at keeping the increase in the average temperature of the planet well below 2°C.

In order to select funds that meet these criteria and stick to its values, Goodvest relies on its partner Carbon4 Finance, which identifies the most virtuous investments. Everything is carried by Generali, a renowned insurer, which should reassure more than one. Goodvest allows you to invest better for yourself but also for the planet.

To go through with its approach, Goodvest guarantees you the transparency. At any time, you have access to information on what your savings finance and its impact on the climate. And you are not alone in this adventure. To support you, Goodvest relies on responsive advisers, available to you by telephone by appointment or by message. Goodvest’s customer service was even rewarded at the BFM Patrimoine summit.

Finally, note that you can recover your funds at any time via your customer area. Goodvest returns them to you within 72 hours of the request on your current account. No need to justify yourself…

Up to €500 offered to discover Goodvest

Cherry on the cake ? We managed to negotiate a gift for our readers. Any new Goodvest life insurance membership entitles you to use our referral code JDG and benefit from up to €500 in free management fees. This code is only valid for a few hours, so take advantage of it now.

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If you were thinking of investing better, in line with your values, now is the time to do it. However, do not forget that this solution remains subject to market risks.

*Past performance and investments are not a reliable indicator of future performance and investments.

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