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ESG in Practice: Costly Expense Driver or Sustainable Channelling of Capital?

by Matthias Brabetz

Our last publication on ESG investing focused on the subjective returns associated with sustainable investing. Because there is a strong demand for this return among end clients, the investment industry puts considerable effort into the launch, management and sale of sustainable investment products. To make the right decisions, the industry uses ESG ratings of investable companies. Methodological Problems with ESG Ratings Comparing the ESG...

12. December 2022

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banking, blog, case studies, digitalisation, esg, science, Uncategorized

The Benefits of Customer Goals for Investment Advice

by Dr. Lothar Jonitz

After many years of steady growth, the current investment environment has become more volatile. Many investors are seeing declines in their portfolios and are asking themselves whether they should sell, invest more or do nothing. The role of investment objectives to answer the question will be examined in more detail. In regulatory terms, investment advice includes the inquiry and recording of investment objectives. Investment advice...

8. November 2022

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blog, science

Regulation’s Guidance on Investment Advice: Directions for Digitalisation

by Dr. Lothar Jonitz

The regulatory requirements for investment advisory processes have become more and more sophisticated in recent years. Advice should be honest, fair and in the best interests of the customer. But why does it take legislation to regulate something that goes without saying? Because investment advice costs money. Since money, in turn, is a powerful behavior amplifier, possible conflicts of interest to the detriment of...

18. March 2022

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banking, blog, digitalisation

Portfolio Consulting as a Process: Simulation-Based Client Orientation

by Dr. Lothar Jonitz

Scenarios play an important role in investment advice. They establish the context from which an investment decision is made. Only the embedding in a scenario makes the decision to buy a certain product plausible and motivates it. That is why we show in this article what role scenarios play in thinking, what added value is achieved with the consistent digitalisation of scenarios and which...

25. January 2021

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banking, blog, digitalisation, science

Portfolio Consulting as a Process: Thematic Consulting

by Dr. Lothar Jonitz

A bank that wants to organise investment advice needs a structured approach in order to stand out from the competition in the long run. On forward-finance.de we present some exemplary processes in a loose series. This article revolves around an advisory approach that we have called thematic advisory because investment narratives play a central role in it. The functions described below are part of...

16. December 2020

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blog, digitalisation, ux-design

Environmental Issues, Social Responsibility and Corporate Governance as Secondary Conditions for Investment

by Dr. Lothar Jonitz

When people try to make sustainable investment decisions as self-decision-makers, reference is made everywhere to the ESG criteria of environmental protection, social responsibility and good corporate governance. An investor willing to invest makes a selection from a number of companies or sectors and invests in those securities that best meet ESG criteria. Ideally, they will have some sort of subjective compass to help them...

4. November 2020

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banking, blog, digitalisation, esg, science