Investing & personal finance
Our guides to investing, saving and personal finance
Ethical Investment: How to Combine Financial Performance and Moral Principles?
This guide explores ethical investment, demonstrating how to align financial growth with personal values. It defines ethical investment as a subjective approach, distinct from SRI, and details various ethical investment vehicles like labeled funds, crowdfunding, and ethical insurance products. The post highlights the benefits of ethical portfolios, including strong performance and reduced risk, while also addressing limitations like defining universal "socially acceptable" values and the threat of greenwashing. Practical advice is offered on clarifying criteria, choosing transparent intermediaries, and continuous evaluation. Ultimately, it emphasizes that ethical investment is a crucial and growing aspect of modern asset management, proving that convictions and returns can indeed go hand-in-hand.
May 30, 2025
Green Investment: Combining Performance and Positive Environmental Impact
Green Investment Explained: Understand the rise of sustainable investing and how you can participate for both financial and environmental gains.
May 19, 2025
Responsible Savings Barometer: The French and Responsible Investment
This article analyzes the findings of the Responsible Savings Barometer in France, highlighting the increasing awareness of environmental and social issues among the French regarding their savings. It reveals a gap between this interest and actual understanding of responsible investment products, while also exploring emerging solutions like carbon allowance purchases as a direct way to impact climate change. The piece emphasizes the need for greater transparency, education, and clearer regulations to foster the growth of truly transformative responsible savings.
May 12, 2025
ESG and SRI: Understanding the Differences and Adopting a Responsible Investment Strategy
The article distinguishes between ESG (Environmental, Social, Governance) criteria, a broad and somewhat unstandardized framework for assessing non-financial factors in investments, and SRI (Socially Responsible Investment), specifically the French SRI Label. While ESG aims to evaluate long-term risks and opportunities, its lack of uniformity can lead to confusion. The SRI Label was created to standardize ESG integration but faced criticism for weak requirements. A 2025 reform strengthened it with stricter exclusions and demands. The article suggests that traditional ESG approaches lack quantifiable real-world impact, particularly on climate change, and introduces Homaio's alternative: investing directly in European emission allowances for a more tangible environmental effect.
May 7, 2025
Carbon Allowances: Who Can Buy Them, and How Do They Work?
Homaio enables private investors to invest in the EU carbon market, benefiting from the increasing price of carbon allowances and supporting decarbonization. The EU Emissions Trading System (EU ETS) uses carbon allowances to drive down greenhouse gas emissions, and Homaio's platform offers access to financial products backed by these allowances. Investing in carbon allowances allows private investors to contribute to responsible investing and benefit from a market with significant growth potential.
April 14, 2025
How can investing in European Union Allowances accelerate emissions reduction ?
The EU ETS, a carbon pricing system, reduces emissions and funds the energy transition. Investing in EUAs through platforms like Homaio further accelerates decarbonization by reducing available allowances, driving up prices, and triggering regulatory changes, offering a responsible investing opportunity with potential returns. This promotes ethical investments and responsible savings for a green portfolio.
February 12, 2025
Understanding Speculation: Why This Misunderstood Role is Key to Financial Markets
Speculation is often misunderstood, yet it is crucial for liquidity and price formation in financial markets. This article explains the roles of speculators, hedgers, and arbitrageurs, and why private investors can actively participate, especially in the carbon allowances market.
October 22, 2024
Decarbonization: What You Need to Know About the Role of Your Financial Investments in Decarbonizing the Economy
Finance plays a key role in decarbonization, both as a driver of emissions and as a solution through investments in sustainable projects and technologies. Individual and institutional investors can reduce emissions by evaluating their investments' carbon footprint, supporting green initiatives, and financing innovative technologies. Investing in the stock market and responsible investing are crucial for a sustainable future.
October 17, 2024
What are the historical EUA financial returns?
EUAs (European Union Allowances) offer opportunities for responsible investing in the carbon market. Investing in EUAs can yield financial returns, support carbon reduction, and promote green finance. The EU ETS market is designed to gradually reduce carbon emissions and achieve carbon neutrality.
August 12, 2024