{"id":1132,"date":"2021-09-15T15:11:02","date_gmt":"2021-09-15T15:11:02","guid":{"rendered":"https:\/\/ribesalat.com\/what-are-ethical-investment-funds\/"},"modified":"2026-01-12T10:35:13","modified_gmt":"2026-01-12T10:35:13","slug":"what-are-ethical-investment-funds","status":"publish","type":"post","link":"https:\/\/ribesalat.com\/en\/what-are-ethical-investment-funds\/","title":{"rendered":"What are ethical investment funds?"},"content":{"rendered":"<p>Awareness has grown recently of the need to improve the environment in which we live, changing patterns of behaviour to collectively achieve greater efficiency.<\/p>\n<p>Reflecting this new social trend, a new range of products aimed at this consumer profile have been created: <strong>ethical investment funds<\/strong>.<\/p>\n<h2><strong>Do you know what investment funds are?<\/strong><\/h2>\n<p>An investment fund is a pool of contributions from a large number of investors, controlled by a management company. Based on the profile of its investors (conservative, moderate, aggressive, etc.), the company decides which markets or products to invest in, always seeking to generate adequate returns.<\/p>\n<p>In today\u2019s economic climate, with interest rates close to 0% in the banking market, investing in this type of product offers us the possibility of obtaining a yield on our savings, while choosing the level of risk we are prepared to assume.<\/p>\n<h2><strong>What are ethical investment funds?<\/strong><\/h2>\n<p>These are funds which target investment towards businesses that meet a number of ethical, corporate and environmental standards.<\/p>\n<p>The funds allow investors to finance sustainable projects (renewable energy, water treatment, etc.), or invest in markets or companies applying certain values (non-involvement in the sale of weapons, diamonds, etc.).<\/p>\n<h2><strong>Why invest in ethical investment funds?<\/strong><\/h2>\n<p>Many of us frequently ask ourselves how we could contribute to society. However, not everyone has the time or ability to do this.<\/p>\n<p>Investing in ethical investment funds allows customers to invest in <strong>projects that promote sustainable development<\/strong>, while obtaining attractive returns.<\/p>\n<p>An external auditor oversees <strong>how the capital is used<\/strong>, so the investor is assured that it is managed efficiently.<\/p>\n<h2><strong>What risk is there and what returns can you expect?<\/strong><\/h2>\n<p>According to the Deusto Business School study<a href=\"https:\/\/www.compromisoempresarial.com\/innovacion_social\/2017\/03\/los-fondos-de-inversion-eticos-los-mas-seguros-en-materia-de-rentabilidad\" target=\"_blank\" rel=\"noopener\"> &#8220;Habilidades de selecci\u00f3n y sincronizaci\u00f3n de los fondos \u00e9ticos y convencionales europeos&#8221;<\/a> (Skills for selecting and synchronizing European ethical and conventional funds), funds of a more responsible nature offer safer and more positive returns than conventional ones. In the words of G\u00f3mez-Bezares, Professor of Finance at the University of Deusto and author of the study, this is &#8220;mainly because responsible funds are smaller, simpler to manage, and involve companies that take the trouble to minimise certain risks, such as environmental disasters, occupational safety, reputation and corruption&#8230; that could make the investor lose money&#8221;.<\/p>\n<p>Moreover, many of the projects mentioned above use <strong>Project Finance as a basis for funding<\/strong>, a loan structure that relies primarily on the project&#8217;s own cash flows for repayment.<\/p>\n<p>This type of investment is classified as <strong>very low risk<\/strong> in the financial sector, as credit institutions carry out rigorous feasibility studies before approving operations.<\/p>\n<p>Investing in ethical funds is not, therefore, only synonymous with a high level of awareness of the world around us, but also an <strong>excellent opportunity to invest in a low-risk product with attractive returns<\/strong>.<\/p>\n<p>At <a href=\"http:\/\/www.ribesalat.com\/\">Rib\u00e9Salat<\/a>, we offer advice for investors who care about the environment in which we live.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Awareness has grown recently of the need to improve the environment in which we live, changing patterns of behaviour to collectively achieve greater efficiency. Reflecting this new social trend, a new range of products aimed at this consumer profile have been created: ethical investment funds. Do you know what investment funds are? An investment fund [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":781,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-1132","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-and-financial-solutions"],"_links":{"self":[{"href":"https:\/\/ribesalat.com\/en\/wp-json\/wp\/v2\/posts\/1132","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ribesalat.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ribesalat.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ribesalat.com\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/ribesalat.com\/en\/wp-json\/wp\/v2\/comments?post=1132"}],"version-history":[{"count":1,"href":"https:\/\/ribesalat.com\/en\/wp-json\/wp\/v2\/posts\/1132\/revisions"}],"predecessor-version":[{"id":3056,"href":"https:\/\/ribesalat.com\/en\/wp-json\/wp\/v2\/posts\/1132\/revisions\/3056"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ribesalat.com\/en\/wp-json\/wp\/v2\/media\/781"}],"wp:attachment":[{"href":"https:\/\/ribesalat.com\/en\/wp-json\/wp\/v2\/media?parent=1132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ribesalat.com\/en\/wp-json\/wp\/v2\/categories?post=1132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ribesalat.com\/en\/wp-json\/wp\/v2\/tags?post=1132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}