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French & Socially Responsible Investment Results 2016



French & Socially Responsible Investment Results 2016

What are the key trends and new challenges linked to such investment in 2016? What is the level of knowledge and interest of French people in SRI?

The answers are revealed in the latest survey conducted by Ipsos MORI on behalf of Vigeo Eiris, the international research and ESG agency (Environment, Social and Governance) and the FIR (The Forum for Responsible Investment) for the seventh consecutive year.

The national yearly survey was conducted online between August 26th and 29th 2016 with a sample of 1,101 adults 16-75 in France. After applying a first filter, questions related to SRI were only considered by individuals owning at least one financial product, resulting in 86% of the original sample, around 951 adults aged 16-75

The main results of the survey underline that:

  • French adults who own financial products are largely in favour of integrating environmental and social issues in their investment decisions (51%).
  • More than 80% of the 1,101 respondents interviewed believe that climate issues and the energy transition challenge should be included in financial institutions’ investment decisions. 49% are in favour of integrating them into their own investment choices.

Despite these encouraging figures:

  • The SRI concept remains unknown to the general public: 66% of respondents declared they had never heard of SRI before the survey (compared with 67% in 2015). This figure is however reduced to 58% for the holders of life insurance (418 respondents), to 53% for the holders of employee savings (161 respondents), and to 48% for those investing in the stock market (418 respondents).
  • The SRI product offering is not really promoted by financial institutions: only 4% of respondents who own a financial product have been offered SRI products by their financial institution (compared with 3% last year). This figure is slightly higher for employee savings: 9% have been offered SRI products in 2016.
  • While nearly one French financial product holder out of three does not trust his or her financial service provider (32%), SRI could represent a lever for increasing trust in banks and insurance providers. This figures increases at 64% for individual investors declaring that they know precisely what’s meant by the concept of SRI precisely and at 52% for those who have only a general knowledge.
  • 40% of French people consider their financial advisor to be the most appropriate person to inform them about responsible investment, followed by NGOs and consumer groups (16%), public authorities (15% of the respondents’ choice), the media (14%), family and friends (13%) and companies (2%).
  • Almost one third of the people surveyed consider that the existence of a label about savings products, accredited by the state, could be a determining factor in choosing SRI products.

Florence Bihour-Frezal, Southern Europe & Africa Regional Sales Director of Vigeo Eiris stated:

“Despite an undeniable increase in the consideration of ESG factors in investment decisions by institutional investors, the weak link remains an offer insufficiently promoted to individual investors.”

Grégoire Cousté, Delegate-General – FIR adds:

“This year, the launch of the SRI and TEEC labels (Energy and Ecological Transition for climate) sheds a new light on some of the key issues disclosed by the 2016 survey, including the promotion of SRI towards individual savers.”
A presentation providing more details on the main results of the survey is available here



Ways Green Preppers Are Trying to Protect their Privacy



Environmental activists are not given the admiration that they deserve. A recent poll by Gallup found that a whopping 32% of Americans still doubt the existence of global warming. The government’s attitude is even worse.

Many global warming activists and green preppers have raised the alarm bell on climate change over the past few years. Government officials have taken notice and begun tracking their activity online. Even former National Guard officers have admitted that green preppers and climate activists are being targeted for terrorist watchlists.

Of course, the extent of their surveillance depends on the context of activism. People that make benign claims about climate change are unlikely to end up on a watchlist, although it is possible if they make allusions to their disdain of the government. However, even the most pacifistic and well intentioned environmental activists may unwittingly trigger some algorithm and be on the wrong side of a criminal investigation.

How could something like this happen? Here are some possibilities:

  • They could share a post on social media from a climate extremist group or another individual on the climate watchlist.
  • They could overly politicize their social media content, such as being highly critical of the president.
  • They could use figures of speech that may be misinterpreted as threats.
  • They might praise the goals of a climate change extremist organization that as previously resorted to violence, even if they don’t condone the actual means.

Preppers and environmental activists must do everything in their power to protect their privacy. Failing to do so could cost them their reputation, future career opportunities or even their freedom. Here are some ways that they are contacting themselves.

Living Off the Grid and Only Venturing to Civilization for Online Use

The more digital footprints you leave behind, the greater attention you draw. People that hold controversial views on environmentalism or doomsday prepping must minimize their digital paper trail.

Living off the grid is probably the best way to protect your privacy. You can make occasional trips to town to use the Wi-Fi and stock up on supplies.

Know the Surveillance Policies of Public Wi-Fi Providers

Using Wi-Fi away from your home can be a good way to protect your privacy.However, choosing the right public Wi-Fi providers is going to be very important.

Keep in mind that some corporate coffee shops such a Starbucks can store tapes for up to 60 days. Mom and pop businesses don’t have the technology nor the interest to store them that long. They generally store tips for only 24 hours and delete them afterwards. This gives you a good window of opportunity to post your thoughts on climate change without being detected.

Always use a VPN with a No Logging Policy

Using a VPN is one of the best ways to protect your online privacy. However, some of these providers do a much better job than others. What is a VPN and what should you look for when choosing one? Here are some things to look for when making a selection:

  • Make sure they are based in a country that has strict laws on protecting user privacy. VPNs that are based out of Switzerland, Panama for the British Virgin Islands are always good bets.
  • Look for VPN that has a strict no logging policy. Some VPNs will actually track the websites that you visit, which almost entirely defeats the purpose. Most obviously much better than this, but many also track Your connections and logging data. You want to use a VPN that doesn’t keep any logs at all.
  • Try to choose a VPN that has an Internet kill switch. This means that all content will stop serving if your VPN connection drops, which prevents your personal data from leaking out of the VPN tunnel.

You will be much safer if you use a high-quality VPN consistently, especially if you have controversial views on climate related issues or doomsday prepping.

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How Going Green Can Save Your Business Thousands



Running a company isn’t easy. From reporting wages in an efficient way to meeting deadlines and targets, there’s always something to think about – with green business ideas giving entrepreneurs something extra to ponder. While environmental issues may not be at the forefront of your mind right now, it could save your business thousands, so let’s delve deeper into this issue.

Small waste adds up over time

A computer left on overnight might not seem like the end of the world, right? Sure, it’s a rather minor issue compared to losing a client or being refused a loan – but small waste adds up over time. Conserving energy is an effective money saver, so to hold onto that hard-earned cash, try to:

  • Turn all electrical gadgets off at the socket rather than leaving them on standby as the latter can crank up your energy bill without you even realizing.
  • Switch all lights off when you exit a room and try switching to halogen incandescent light bulbs, compact fluorescent lamps or light emitting diodes as these can use up to 80 per cent less energy than traditional incandescent and are therefore more efficient.
  • Replace outdated appliances with their greener counterparts. Energy Star appliances have labels which help you to understand their energy requirements over time.
  • Draught-proof your premises as sealing up leaks could slash your energy bills by 30 per cent.

Going electronic has significant benefits

If you don’t want to be buried under a mountain of paperwork, why not opt for digital documents instead of printing everything out? Not only will this save a lot of money on paper and ink but it will also conserve energy and help protect the planet. You may even be entitled to one of the many tax breaks and grants issued to organizations committed to achieving their environmental goals. This is particularly good news for start-ups with limited funds as the Environment Protection Agency (EPA) is keen to support companies opening up their company in a green manner.

Of course, if you’re used to handing out brochures and leaflets at every company meeting or printing out newsletters whenever you get the chance, going electronic may be a challenge – but here are some things you can try:

  • Using PowerPoint presentations not printouts
  • Communicating via instant messenger apps or email
  • Using financial software to manage your books
  • Downloading accounting software to keep track of figures
  • Arranging digital feedback and review forms
  • Making the most of Google Docs

Going green can help you to make money too

Going green and environmental stability is big news at the moment with many companies doing their bit for the environment. While implementing eco-friendly strategies will certainly save you money, reducing your carbon footprint could also make you a few bucks too. How? Well, consumers care about what brands are doing more than ever before, with many deliberately siding with those who are implementing green policies. Essentially, doing your bit for the environment is a PR dream as it allows you to talk about what everyone wants to hear.

Going green can certainly save your money but it should also improve your reputation too and give you a platform to promote your business.

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