Beware of greenwashing: Deceptive sustainability

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We are receiving more and more requests for sustainable investments. Even so, not every fund or ETF that is designated as sustainable is 100% green. Green is not always green, but green sells better. Many corporations take advantage of this. More and more companies present their products as environmentally friendly as possible in order to sell them more expensively. This eco-trick is known as “greenwashing”. We find the best examples of this at the well-known large corporations such as Apple, Amazon or Nestle, which make profit worldwide with their supposed environmental friendliness. McDonald’s is also one of the greenwashing candidates.
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Minimum wage, guaranteed interest rate cuts and family relief: everything that will change in 2022

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2022
In the new year 2022, numerous laws and regulations will change again – some can be beneficial for consumers and taxpayers: In the new year families will be tax relieved and the minimum wage will be increased. The guaranteed interest rate cut, on the other hand, has a negative effect on premiums for occupational disability insurance and makes company pension schemes and Riester pensions even more unattractive than they were before. New sales law from 2022 When selling goods to consumers, sellers will meet numerous new obligations from January 1, 2022. The focus is on, among other things, an update
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Legal expropriation through penalty interest and inflation

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The limit for penalty interest continues to fall: more and more banks are charging fees for larger assets. However, some financial institutions are now already demanding penalty interest from a balance of more than 5,000 euros. In addition, there is inflation or currency devaluation to an extent that can no longer be underestimated. Most of the customers who inquire with us come to us with the subject of penalty interest or custody fees. Almost everyone underestimates inflation, which causes much greater damage to our money. Inflation in Germany is higher than it has been in decades. The official inflation in
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Reduced guaranteed interest rate in 2022 makes occupational disability insurance more expensive

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As of January 1, 2022, the guaranteed interest rate will be reduced from 0.9 percent to 0.25 percent. This value is particularly relevant for life insurance. If this value falls, this confuses the calculation of the contributions. In most cases this means that the insurer has to increase the premiums. For the year 2022, experts therefore expect increasing contributions of up to 15% for occupational disability insurance and accident insurance. Other sectors are also affected, albeit not as badly. In the area of life insurance, which also includes occupational disability insurance (BU), there is a so-called maximum technical interest rate,
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Will the price of gold explode? What Basel III means for gold.

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The doldrums are followed by recovery: after the brief slump in March 2021, the gold price is again at a high level that it had never reached in the previous ten years. We are not talking about raw materials here, however. Even in the Basel III framework of the Basel Committee for Banking supervision at the Bank for International Settlements (BIS) it is said that it is much more like a stranger treat currency. The volatility of gold is more like that of a foreign currency. That’s why they should treat the raw material like one. XAUEUR Chart von TradingView
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