Sustainable investing is important to me.
Our Robo Advisor partner Vividam should be a good fit for you and your investment.
Your money is invested sustainably with Vividam
Vividam invests in specifically chosen products for you – with a clear focus on their positive effect (Impact).
Vividam goes beyond the topic of climate change and is oriented towards towards 17 UN Sustainable Goals (SDGs).
This results in the following investment exclusions:
✔ Renewable energies such as solar, wind, etc.
✔ Drive technology (electric drive)
✔ Sustainable Water Management
✔ Old-age provision, Education
✔ “Smart Grid” technologies (energy infrastructure)
✔ Modern environmental and climate technologies
✔ „Green Buildings”
✔ Wood as a renewable raw material
No investment in:
✗ Nuclear Power
✗ Fossil Energy, including petroleum and thermal coal
✗ Human Rights violations (ILO)
✗ Atomic, chemical and biological weapons
✗ Genetic Engineering
✗ Animal Testing
With Finmarie & Vividam, make your investment a statement.
Security for your Money:
At FinMarie first
- FinMarie itself is subordinate to the Federal Financial Supervisory Authority and is audited according to KWG §34f trade regulations and approved as a financial investment broker.
- Your investment account is managed via ebase (European Bank for Financial Services GmbH) in accordance with German banking law. In the unlikely event of bankruptcy of the bank or FinMarie GmbH, your money is protected accordingly.
- Your investment account is yours. It can only be accessed by you.
- The asset manager Vividam may only buy and sell funds under the investment guidelines.
Your FinMarie Founders
Karoline Decker & Caroline Bell
The Vividam Robo-Advisor is a joint project of several partners. All parties involved are based in Germany and are subject to and committed to German standards.
In detail it works like this:
Vividam and FinMarie want to make everything easy and safe:
Only you, as the client, have access to the investment account with Vividam.
The investment manager may only buy and sell funds under the investment guidelines. Your direct contact person is and will remain FinMarie and will be happy to help and advise you.
Our Fair Service Fees
Regular Savings Plan
Free Withdrawals at any time
Ability to change investment objectives
Personal Financial Adviser
3.500€ - 249.999€
*Including custody account and account management, order fees, fund selection, and monitoring, tax optimisation, detailed reports on performance, customer service via telephone, e-mail and chat, user-friendly web application by Robo Advisor.
*In addition to the all inclusive fee, annual investment costs are between 1.31% and 1.87% – depending on the chosen strategy (detailed information on the forecasted fees is available in the closed user area before the investment agreement is completed). These fees are the management fees (TER) of the investments, but are already included in the performance of the funds and so do not need to be deducted.
For whom is Vividam suitable?
Vividam is a perfect fit for all FinMarie clients who would like to start investing
What are the requirements to invest with FinMarie & Vividam?
Currently, investment accounts can only be opened for natural individuals.. European citizens residing in Germany and with a German tax identification number can also become clients. Child accounts are not yet available. Powers of attorney can, however, be granted after the investment account is opened.
What costs can I expect with the Vividam30 investment strategy?
What costs can I expect with the Vividam50 investment strategy?
What costs can I expect with the Vividam70 investment strategy?
What costs can I expect with the Vividam100 investment strategy?
Do I have to decide between investing in Growney OR Vividam?
No, you can choose which investment option you prefer at any time, and you can also in both options should you wish, in any amount of your choosing, as long as the minimum investment requirements are met in both options. We would be happy to advise you if you would like assistance to decide which is appropriate for you.
What does ‘sustainable investing’ mean?
Sustainable Investing is the general term for sustainable, responsible, ethical, social, ecological investment and all other investment processes that include the influence of ESG (environment, social and governance) criteria in their financial analysis and selection.
“Impact Investment” – is that also sustainable?
Impact Investment is a sub-category of sustainable investment.
These are investments in companies, organisations and funds with the aim of having a social and / or ecological impact in addition to the financial return. Impact investments can be made in markets in both industrialised and developing countries. Impact investments are often project-specific and differ from the approach of philanthropy (in which no financial returns are expected).
At Vividam, special thematic funds (water, climate, renewable energies, etc.) are also part of the impact investment strategy.
Since the publication of the 17 UN SDGs (Sustainable Development Goals) in 2015, more and more investors have measured the impact against these 17 goals.
The fees for sustainable investments are higher than the ETF investments … why is that?
The fees of actively managed funds, which also include the Impact Funds, are usually always higher. Active sustainability research, includes critical discussions with companies, the involvement of experts and advisory boards etc., which increases costs. These costs are partly passed on to the funds.
Why do I have to provide my income and date of birth?
In accordance with the legal requirements, we are obliged to query your date of birth and your income.
This information is only required for opening the account.