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On November 25, Green-Got unveiled its new Retirement Savings Plan (PER) entirely oriented towards sustainable finance. Designed in partnership with Garance, it offers investment vehicles classified Article 8 and 9 according to the European SFDR regulation. This innovation makes retirement easier to prepare for, while seeking to finance the ecological transition. But it also raises key questions about performance, transparency, and true environmental impact.
The demand for responsible savings products has never been stronger. The French now want to know where their money goes and what it really finances. Green-Got therefore comes at the right time: its 100% digital PER is aimed at young workers as well as employees or self-employed people who want to prepare for retirement without using traditional financial products. Fintech focuses on the simple idea that personal savings can contribute to decarbonization, while remaining fiscally advantageous.
Green-Got distributes its PER in collaboration with Garance, a recognized player in the insurance sector. The opening is done online in a few minutes, with an entrance ticket available at around €500. The investments offered are based on funds labelled or classified Article 8/9, which means that they incorporate environmental and social criteria in their investment choices.
The PER works with several investment profiles, from the most cautious to the most dynamic. Green-Got presents return projections based on the level of risk chosen, even if these figures remain hypothetical and do not constitute guarantees.
For many French people, the PER is first and foremost a tax tool: payments can be deducted from taxable income, which reduces the tax payable. For others, it's mostly a way to prepare for the future with something concrete.
Green-Got's approach brings an additional dimension: the idea of giving meaning to your money. This promise is appealing, but it needs to be carefully considered. Labels and classifications are not enough to prove the real impact. It is therefore important to look at the details of the investments, the fees and the way in which the funds measure their environmental results.
This novelty shows how the boundaries between finance, personal values and daily consumption are being erased. More and more people want their money to reflect their vision of the world. This trend is reinforced by tech giants, such as Google or Apple, which communicate massively about their climate commitments and influence our expectations.
On another level, groups like Tesla, Nvidia or LVMH also play a role: they impose standards of transparency, technology or responsibility that shape our behavior. So sustainable savings is no longer just about finance: it says something about the way we live, work and consume.
Like any financial product, PER involves fees, specific taxation at the time of release and unguaranteed performance. Sustainable funds can be more expensive than traditional ETFs, while not always providing a proportionate impact. Moreover, even if the user experience is simplified, retirement is still a very long time horizon: a PER is not a short-term product.
