Green bonds

A portfolio of 100% Green Bonds and SRI Bonds for a more sustainable world

ISR Bond Portfolio and
Green Bonds

From
1,000 €
  • With the best SRI money market funds
  • The best indexed SRI bond funds
  • The best indexed green bond funds
  • Defer your taxation until withdrawal
  • Portfolio of transferable funds (only for Spanish residents)
  • Coverage: FOGAIN (Spanish Investment Guarantee Fund).
  • National custodian

Returns

The SRI Bonds and Green Bonds portfolio has been designed with short maturities, less than 2 years, to reduce their volatility and downside risks.

*The published Yield is the current average yield (at maturity) of the money market and bond funds that make up the portfolio weighted by their weight and discounting all the commissions borne by the portfolio, the TER of the funds (0.34% average) , the average management fee (0.35%) and the maximum custody (0.105%).

The Yield is therefore not guaranteed. The profitability that the portfolio actually obtains will be different since the value of the funds may vary depending on the evolution of interest rates and credit risk premiums.

If you want to know the expected returns of a portfolio of SRI Bonds and Green Bonds, we recommend you visit our historical returns page.

These returns are the 0/10 profile of a portfolio of SRI Index Funds.

Important note: past performance is not a guarantee of future performance. Long-term financial markets generally have a natural upward trend while they can be very volatile in the short term.

Some data combines real historical data and data from a backtest. Likewise, in the case of this portfolio it has undergone a complete redesign as of 9/1/2023.

Composition

A portfolio of SRI bonds and green bonds with funds simplifies management and is more fiscally optimal than buying treasury bills or bonds directly. Our automated bond portfolio is broadly diversified, and designed to maximize returns. The investment committee takes into account the existing rate curve to optimize its distribution. Additionally, in this case, the degree of sustainability of the funds is taken into account in their selection.

It is a combination of money market funds, SRI bonds and green bonds to avoid stock volatility, preserve capital and generate the highest possible return in line with current interests. Although bonds are less volatile than stocks, they are not risk-free.

Funds ISIN SFDR*
BlackRock ICS Euro Liquidity Fund IE00B44QSK78 Art. 8
BNP Paribas Funds Sustainable Enhanced Bond 12M LU1819949089 Art. 8
DWS Invest ESG Floating Rate Notes LC LU1965928069 Art. 8
Goldman Sachs Green Bond Short Duration LU2102358178 Art. 9
Pictet-EUR Short Term High Yield I EUR LU0726357444 Art. 8

*SFDR: It is the acronym Sustainable Finance Disclosure Regulation and it is the EU Sustainable Finance Disclosure Regulation (SFDR). It is a set of EU rules that aim to make the sustainability profile of funds more comparable and better understood by end investors. Article 8: are those that promote social and environmental initiatives alongside traditional results objectives. Article 9: are those with a clearly defined sustainable investment objective.

IMPORTANT NOTE: Please note that the final funds in your portfolio may vary, as our Investment Committee is constantly improving portfolios. Furthermore, for investments less than €5,000 the portfolio will be a simplified version with two of the funds mentioned. To learn more about the distribution of your personalized portfolio, we recommend you take our brief questionnaire.

In the design of these portfolios and in the selection of funds or ETFs, maximum global diversification, the greatest return/risk efficiency and, at the same time, minimizing costs are sought. Sustainability criteria have been explicitly taken into account during its composition. Visit our FAQ on How the Sustainability Level works.

Costs*

SRI Bond and Green Bond Portfolio Funds composition:
Amount invested Management fee Trading and Depository costs Average implicit cost
€1,000 to €4,999.99 0,41% 0,105% 0,40%
€ 5,000 to € 99,999.99 0,41% 0,105% 0,34%
€100,000 to €499,999.99 0,38% 0,105% 0,34%
€500,000 to €999,999.99 0,30% 0,105% 0,34%
€ 1M to € 4,999,999.99 0,25% 0,06% 0,34%
More than € 5M 0,13% 0,06% 0,34%
*These costs are already discounted from the published estimated net Yield. Read more about the Yield of Bond Portfolios.

Do you have any question?
Do not keep it for yourself,
we have the answer.

Sometimes money issues are complex. In particular, SRI Bonds and Green bonds portfolios have their complexities. Here are some of the most frequently asked questions.

What does the published Yield mean?

The published Yield is the current average yield (at maturity) of the monetary and bond funds that make up the portfolio weighted by their weight and discounting all the commissions borne by the portfolio, the TER of the funds (0.15% average), the average management fee (0.38%) and the maximum custody (0.11%). The annual return of the portfolio may be different.

Is the Yield guaranteed?

No! The Yield is an indication of the weighted annualized return (net of commissions) generated by the portfolio of funds that comprise it and does not have to be the return that the portfolio actually obtains since the value of the funds may vary depending on the evolution of interest rates.

What taxes will I pay?

The portfolio is made up of transferable funds and with tax deferral to optimize and delay taxation as much as possible (Spain residents). In the case of withdrawals with capital gains, these will be subject to withholding according to the personal income tax rate. In the case of ETFs, UCITs and accumulation are used so that they are as effective as possible and there are no withholdings on capital gains. Even so, you must report your capital gains in your annual declaration.

How risky is the portfolio?

The portfolio has been designed with money market and bond funds that generally have less volatility than stocks. Even so, bonds are not risk-free since their value can vary depending on the evolution of interest rates and credit risk premiums. If you want a portfolio with little risk, a savings portfolio may be better for you.

Can I withdraw money at any time?

Yes, in all our wallets you can withdraw money and have them available in 5 business days. This portfolio is designed for a horizon of about 3 years or more since, although it has less volatility than a stock portfolio, it is subject to interest rate risks.

If you want a portfolio with minimal risk, we recommend that you consider our Savings Portfolio, which has been designed to have very low volatility.