The Vantik fund aims to offer a fair return at low risk and low cost - similar to what we knew with a “savings book”. So what happens if you save with Vantik? Your money is invested sustainably into the Vantik fund from the first Euro you save.
The Vantik fund is a diversified portfolio. It includes sustainable and low-risk investments. These are selected using ESG criteria (Environmental, social, governance). This way your investment grows sustainably and long-term. In addition, your savings are protected with the Vantik security buffer when you retire.
The fund targets to allocate its funds in the following way:
Stocks are shares in a company. You directly profit from the development of these companies. The Vantik fund invests your savings into more than 7,000 companies in Europe (20%), North America (20%) and Asia/Emerging Markets (20%) that meet certain ESG standards.
Real estate is a symbol for long-term and stable value retention. The Vantik fund invests into real estate investment trusts with a strong focus on sustainable building technologies.
We invest into sustainable companies that are engaged in providing clean drinking water. These are typically rather independent from the development of the capital markets.
Bonds are loans to large companies and public institutions. Those pay interest for their loans. Vantik exclusively invests in bonds for investment grade European debtors who meet our ESG standards.
The Vantik fund invests sustainably. For shares and corporate bonds it follows certain ESG criteria (Environmental, Social, Governance) to ensure sustainability. Excluding investment in companies which contribute excessively to climate change is especially important to us. In the areas of real estate and commodities we also have ESG criteria in place. In the area of government bonds we only invest in bonds from EU countries, that are among the top 50 of the Environmental Performance Index.
The Vantik Funds aim is to help you retire with more money than you could have saved on your own. The target is to bring you over 3.5% per year after all costs. That means an investment made today will have doubled after 24 years or tripled after 38 years.
Your money is carefully invested all over the world, in a vast array of industries. We do this to place our eggs in as many baskets as possible, thereby avoiding reliance on the performance of a singular market, company, country or currency. The financial term for this is portfolio diversification, a Nobel Prize winning strategy by Harry Markowitz.
Low cost means more return for you. This is why we keep our operations as lean as possible. Also, all funds (Exchange-Traded Funds or ETFs) nested within Vantik’s Fund have extremely low maintenance costs. Less money to middlemen means more money for you. The Vantik fund has an annual cost of 1.21% p.a.
The Vantik Fund focuses on responsible investing in companies that follow the so-called ESG (Environmental, Social and Governance) criteria and comply with the U.N. Global Compact principles. This means, for example, that with Vantik you don't invest in companies that support coal energy, tobacco or the weapon industry.
Legal information: Vantik is an investment. Investments are associated with risks. The value of your investments can fall or rise daily. The longer you invest, the lower the risk of losses. The safety buffer gives you additional protection against losses at the beginning of the pension. Nevertheless, you must always be aware that you could possibly make a loss on an investment. You can find more information on this in our investor and advance information.