Steps Taken Without Sweeteners or Exaggerated Measures
Lisa Bergmann, a 30-year-old PhD candidate at a northern German university, is on a mission to achieve the most genuine sustainability possible in her retirement planning. With a monthly budget of 300 euros, she is carefully navigating the financial landscape.
Bergmann is familiar with index funds but prefers not to manage her retirement savings alone. Instead, she is drawn to the MSCI World SRI, a sustainability-criteria-filtered index that catches her eye. This index focuses on companies that meet certain ecological, social, and corporate governance standards.
Active fund management, as suggested in the given text, is necessary for Bergmann as it allows for handpicking companies that align with her sustainability principles. However, she has chosen to avoid companies like Pepsi and Coca-Cola, which she finds unsustainable and prefers not to discuss.
The recent actions of football superstar Cristiano Ronaldo have had an impact on Coca-Cola's stock. At a press conference, Ronaldo caused a stir by removing Coca-Cola bottles and replacing them with a water bottle, leading to a temporary loss of 4 billion dollars in the company's value. Lawsuits in the US suggest potential investment risks due to Pepsi and Coca-Cola's involvement in the widespread obesity epidemic.
Bergmann's professional situation may change after completing her PhD, making the calculation of the pension gap irrelevant at this time. However, she is already considering a fund-based pension insurance for a long-term period of over 30 years, considering the advantage of the half-income procedure for taxation at the end of the term.
Two German insurers, Condor Insurance from the cooperative sector and LV 1871, are in focus for Bergmann. Both offer comprehensive fund selections, relatively low costs, and transparent fees. Condor Insurance, in particular, focuses on ecological and social criteria in their investments without opaque charges. LV 1871, on the other hand, offers a pension-oriented life insurance with a comprehensive selection of sustainable funds.
Sustainability, according to Bergmann, encompasses a broad and subjective array of aspects. It includes ecology, social aspects, and corporate governance. As a research assistant, Bergmann's consultation focuses on achieving the most genuine sustainability possible, rather than financial mathematics.
In a world where sustainability is increasingly important, Bergmann's approach serves as an inspiring example for those seeking a more sustainable future.
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