Questions and answers
to get to know each other
better
to get to know each other
better
Basic information for use
For our children.
We believe that only a major change in our financial habits will enable us to give them positive prospects. Instead, if we continue to ignore the warning signs coming from the environment and Society, we will put the planet itself at risk.
The site is managed by MC Advisory CSR srl SB, a Society benefit with registered office in Voghera, which provides technical and consulting support.
The MC Advisory group is the brainchild of a group of experienced asset management entrepreneurs who want to make their knowledge of investment and sustainability available to the public and professionals.
At this stage you can send us a message using the form set up in the " contact us" section for technical questions and reports: we will do our best to answer you as soon as possible. Later, we will communicate directly via chat.
We are working to make the user experience as smooth as possible in all languages (the source language is Italian). We continuously edit texts to improve the quality of translations and apologize if some parts are not yet translated.
The site is currently structured at three levels :
The "Open" level , which is open to non-registrants, contains basic information on finance and sustainability and how to manage your bank;
The " Free " level , free upon registration, contains financial product rankings and more advanced analysis tools, such as an ESG questionnaire or analysis of your Portfolio;
The "Freemium" level , which is currently free, includes analysis tools from Portfolio usually reserved for wealthy clients of private banks.
The "Free" subscription provides summary information on sustainability and some basic research functions.
In the paid subscription ("Freemium") we remove these limitations and give you advanced research functions, both in finance and sustainability.
The "Freemium" subscription is currently on a free trial.
Users will be notified well in advance when this free trial ends, and those who confirm the subscription will be entitled to a discount on the list price of 10 € / month!
On the performance of mutual funds
ESG Adjusted Performance is our proprietary intensity calculation, which integrates financial performance and risk over the past 3 years with ESG intensity. We recalculate it every day!
See the Glossary for more information.
In fact, not all funds listed are placed in Italy (see Disclaimer).
Become a "Freemium" user and you will be able to take advantage of the advanced search features, which will enable you to find the best funds by asset class, Society management, etc., and then easily check the quality of the fund results offered by your bank.
We periodically expand the lists of analyzed funds: notify us of the fund you are interested in via the contact form (giving us the ISIN code, fund name, and Society of management) and we will take this into account in the next update. Please note that we will only include funds managed with clear sustainability intent(SFDR Art. 8 or 9).
Positive Finance wants to select the best sustainable funds; it does not analyze all funds in the market.
Currently, we have measured the ESG content of over a thousand funds. It is possible that we have not yet collected enough information about your funds, or it is possible that your funds do not qualify. However, by using the check function at Portfolio, you will have access to our database of more than 50,000 funds and should find information on all funds sold domestically, including yours.
We have dedicated a page to the 17 UN SDGs in the "ESG" menu . You will find in "Explore" the aggregated impact categories we have created to facilitate this type of research.
In addition, if you are a "Freemium" user you will be able to browse thematic funds that have declared to be aligned with the 17 UN SDGs.
Yes, we will make some generic portfolios available to registered users . They will be portfolios that have a vocation to remain stable over time, in line with our philosophy of sustainability, simplicity and financial effectiveness.
I can't find this financial content
Of course! Short- and medium-term government bonds have historically been the "heart" of Italian household savings. Now they are unprofitable but, recently. a large number of green bonds ("green bonds") have been issued and we want to give suitable analysis tools on these sometimes complex products.
Asset liquidability is a central issue in wealth planning and will be explored in depth.
There are numerous alternative financial institutions that offer products totally dedicated to sustainability and with variable liquidability. We will devote an analysis to such products.
The Italian regulatory framework for crowdfunding is one of the most evolved in Europe and is rightly based on risk diversification. There are various forms of crowdfunding (peer to peer lending, equity shares), however, sustainability assessments of these products are rare. We are trying to select some interesting solutions and suitable investment strategies.
We do not currently provide guidance because 80 percent of individuals who manage portfolios in listed stocks alone lose money.
We have focused on mutual funds and ETFs that allow people to find diversification, financial management quality, and sustainability. In all simplicity.
CFDs are derivative products similar to "futures" and should be offered only to experienced investors because total loss of capital is common among novices.
We strongly discourage private investors from using derivative products and any form of speculation.
You will not find advice on cryptocurrencies here. They originated as inviolable keys to a revolutionary technology, the blockchain. The fact that they have become an object of financial speculation has nothing to do with their original purpose or positive finance.
About ESG intensity
Probably so. We use more elaborate protocols for financial institutions that ask us for customized analysis of Portfolio.
Contact us through the contact form and explain your case.
This is a topic we have promised to study in detail.
Insurers are required to provide information on the sustainability of their high-financial products, such as unit-linked policies. Unfortunately, the insurance funds that make up multi-branch products are rarely transparent. Ask your insurance advisor for more information; he or she will have to get back to you.
For "Freemium" users, we have created a report that lets them know which funds have received one or more quality labels and their financial and ESG performance.
No. Italy participates, through the Forum for Sustainable Finance, in the Transparent label, and several Italian Society management companies have submitted their funds for foreign label evaluation, and/or joined the Transparent label.
But there is no Italian quality label structured according to principles similar to those applied by the European labels we analyzed.
The educational and training proposals
Yes, we will make training materials available on the platform.
We aim to offer a range of online courses to the public to disseminate the culture of financial management and sustainability.
The courses will serve to prepare the public for financial planning, a little-known subject often reserved for very affluent clientele.
We will be by your side to help you avoid common mistakes, but we do not recommend that you manage your money alone.
Equity markets have continued to rise for 10 years...but it wasn't always this way. We believe in collaboration with the financial advisory industry in which a new generation of quality intermediaries will emerge to whom you can turn. Read our disclaimer on this subject.
Yes, we are designing educational packages to raise awareness of investment and sustainability issues among middle and high school children.
The modules will range from introduction to statistics to civic education to school-to-work alternation. If you would like more information, please contact us.
Currently no. Agreements are being planned with practitioners to partner to create credit-enabled packages.
For more information on this issue, contact us.
