{"id":14733,"date":"2019-10-30T12:51:38","date_gmt":"2019-10-30T11:51:38","guid":{"rendered":"https:\/\/www.bettervest.com\/?page_id=14733"},"modified":"2020-03-12T16:58:56","modified_gmt":"2020-03-12T15:58:56","slug":"nachhaltige-geldanlagen","status":"publish","type":"page","link":"https:\/\/www.bettervest.com\/de\/nachhaltige-geldanlagen","title":{"rendered":"Nachhaltige Geldanlage"},"content":{"rendered":"<p>[vc_section full_width=&#8220;stretch_row_content&#8220; content_placement=&#8220;top&#8220; css=&#8220;.vc_custom_1572965327537{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 20px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/www.bettervest.com\/wp-content\/uploads\/2019\/11\/nachhaltige-Geldanlagen-bei-bettervest.jpg?id=15947) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8220; el_id=&#8220;stage&#8220; el_class=&#8220;stage&#8220;][vc_row padding_bottom=&#8220;0&#8243;][vc_column width=&#8220;1\/3&#8243;][\/vc_column][vc_column width=&#8220;1\/3&#8243; text_align=&#8220;center&#8220;][vc_empty_space height=&#8220;20&#8243;][vc_single_image image=&#8220;9243&#8243; img_size=&#8220;medium&#8220; alignment=&#8220;center&#8220;][\/vc_column][vc_column width=&#8220;1\/3&#8243;][\/vc_column][\/vc_row][vc_row autoheight=&#8220;true&#8220; padding_top=&#8220;0&#8243; padding_bottom=&#8220;0&#8243;][vc_column][vc_custom_heading text=&#8220;Nachhaltige Geldanlagen&#8220; font_container=&#8220;tag:h1|font_size:45|text_align:center|color:%23ffffff&#8220; google_fonts=&#8220;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal&#8220; css_animation=&#8220;none&#8220; css=&#8220;.vc_custom_1568125531471{padding-top: 0px !important;}&#8220;][vc_empty_space height=&#8220;45&#8243;][vc_custom_heading text=&#8220;bettervest ist die online Plattform auf der Sie nachhaltig investieren&#8220; font_container=&#8220;tag:h2|font_size:28|text_align:center|color:%23ffffff&#8220; google_fonts=&#8220;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:500%20bold%20regular%3A500%3Anormal&#8220; css_animation=&#8220;none&#8220;][vc_empty_space height=&#8220;10&#8243;][vc_custom_heading text=&#8220;und von einer lebenswerten Zukunft profitieren&#8220; font_container=&#8220;tag:h2|font_size:28|text_align:center|color:%23ffffff&#8220; google_fonts=&#8220;font_family:Fira%20Sans%3A300%2C300italic%2C400%2C400italic%2C500%2C500italic%2C700%2C700italic|font_style:500%20bold%20regular%3A500%3Anormal&#8220; css_animation=&#8220;none&#8220;][vc_empty_space height=&#8220;45&#8243;][\/vc_column][\/vc_row][vc_row padding_left=&#8220;20&#8243; padding_right=&#8220;20&#8243; padding_top=&#8220;0&#8243; padding_bottom=&#8220;0&#8243;][vc_column width=&#8220;1\/3&#8243;][nz_icon_list icon_color=&#8220;#99c84d&#8220;]Investments von 250 &#8211; 25.000 \u20ac[\/nz_icon_list][\/vc_column][vc_column width=&#8220;1\/3&#8243;][nz_icon_list icon_color=&#8220;#99c84d&#8220;]Keine Geb\u00fchren[\/nz_icon_list][\/vc_column][vc_column width=&#8220;1\/3&#8243;][nz_icon_list icon_color=&#8220;#99c84d&#8220;]J\u00e4hrliche Zinsen von 5 bis 10 %[\/nz_icon_list][\/vc_column][\/vc_row][vc_row padding_top=&#8220;0&#8243; padding_bottom=&#8220;0&#8243;][vc_column width=&#8220;1\/3&#8243;][\/vc_column][vc_column width=&#8220;1\/3&#8243;][nz_btn text=&#8220;Jetzt registrieren!&#8220; link=&#8220;&#8220; full_width=&#8220;true&#8220; size=&#8220;large&#8220; shape=&#8220;round&#8220; el_class=&#8220;.cta-button&#8220;][vc_raw_js]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[\/vc_raw_js][vc_raw_html]JTNDZGl2JTIwaWQlM0QlMjJyZWFjdC1hcHAtcmVnaXN0ZXItbW9kYWwlMjIlM0UlM0MlMkZkaXYlM0U=[\/vc_raw_html][\/vc_column][vc_column width=&#8220;1\/3&#8243;][\/vc_column][\/vc_row][vc_row padding_top=&#8220;10&#8243; padding_bottom=&#8220;10&#8243;][vc_column][vc_empty_space height=&#8220;20&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8220;stretch_row_content&#8220; content_placement=&#8220;top&#8220; css=&#8220;.vc_custom_1567521109110{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8220;][vc_row padding_top=&#8220;0&#8243; padding_bottom=&#8220;10&#8243;][vc_column][vc_empty_space height=&#8220;100&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><strong>Gut f\u00fcr Ihren Geldbeutel und Ihr Gewissen<br \/>\n<\/strong><\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row padding_top=&#8220;0&#8243;][vc_column width=&#8220;1\/3&#8243; pl=&#8220;20&#8243; pr=&#8220;20&#8243;][vc_empty_space height=&#8220;50&#8243;][vc_single_image image=&#8220;14876&#8243; img_size=&#8220;50&#215;50&#8243; alignment=&#8220;center&#8220; el_class=&#8220;country_flag&#8220;][vc_custom_heading text=&#8220;Nachhaltig&#8220; font_container=&#8220;tag:p|font_size:20|text_align:center|color:%23474747&#8243; use_theme_fonts=&#8220;yes&#8220;][vc_empty_space height=&#8220;25&#8243;][vc_column_text color=&#8220;#444444&#8243;]<\/p>\n<p style=\"text-align: center;\">Ob Solar, Biomasse oder Wasser. Investieren Sie bereits ab 250 \u20ac in ressourcenschonende Projekte, die Mensch und Planet zugutekommen.<\/p>\n<p>[\/vc_column_text][nz_gap][\/vc_column][vc_column width=&#8220;1\/3&#8243; pl=&#8220;20&#8243; pr=&#8220;20&#8243;][vc_empty_space height=&#8220;50&#8243;][vc_single_image image=&#8220;14878&#8243; img_size=&#8220;50&#215;50&#8243; alignment=&#8220;center&#8220; el_class=&#8220;country_flag&#8220;][vc_custom_heading text=&#8220;Rentabel&#8220; font_container=&#8220;tag:p|font_size:20|text_align:center|color:%23474747&#8243; use_theme_fonts=&#8220;yes&#8220;][vc_empty_space height=&#8220;25&#8243;][vc_column_text color=&#8220;#444444&#8243;]<\/p>\n<p style=\"text-align: center;\">Jedes Projekt generiert entweder Einnahmen oder Einsparungen. Daraus werden Ihre Investitionen zur\u00fcckbezahlt &#8211; samt Renditen von durchschnittlich 7%!<\/p>\n<p>[\/vc_column_text][nz_gap height=&#8220;45&#8243;][\/vc_column][vc_column width=&#8220;1\/3&#8243; pl=&#8220;20&#8243; pr=&#8220;20&#8243;][vc_empty_space height=&#8220;50&#8243;][vc_single_image image=&#8220;14953&#8243; img_size=&#8220;50&#215;50&#8243; alignment=&#8220;center&#8220; el_class=&#8220;country_flag&#8220;][vc_custom_heading text=&#8220;Zukunftsf\u00e4hig&#8220; font_container=&#8220;tag:p|font_size:20|text_align:center|color:%23474747&#8243; use_theme_fonts=&#8220;yes&#8220;][vc_empty_space height=&#8220;25&#8243;][vc_column_text color=&#8220;#444444&#8243;]<\/p>\n<p style=\"text-align: center;\">Nur Projekte, die von Ingenieuren und Finanzexperten ein gr\u00fcnes Licht bekommen haben, landen auf unserer Plattform und werden von Ihnen finanziert.<\/p>\n<p>[\/vc_column_text][nz_gap][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8220;stretch_row&#8220; css=&#8220;.vc_custom_1567524995490{background-color: #f2f2f2 !important;}&#8220;][vc_row padding_top=&#8220;0&#8243; padding_bottom=&#8220;10&#8243;][vc_column][vc_empty_space height=&#8220;50&#8243;][vc_column_text color=&#8220;#ffffff&#8220;]<\/p>\n<h2 style=\"text-align: center;\"><strong>\u00dcber bettervest<br \/>\n<\/strong><\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8220;20&#8243;][\/vc_column][\/vc_row][vc_row padding_top=&#8220;0&#8243; padding_bottom=&#8220;0&#8243;][vc_column width=&#8220;1\/6&#8243; pl=&#8220;20&#8243; pr=&#8220;20&#8243;][\/vc_column][vc_column width=&#8220;2\/3&#8243;][vc_column_text color=&#8220;#444444&#8243;]<\/p>\n<p style=\"text-align: center;\">bettervest wurde 2012 ins Leben gerufen, um Menschen eine wahre Alternative zu herk\u00f6mmlichen Geldanlagen zu bieten. Mit strengen sozio-\u00f6kologischen Ausschlusskriterien und einem Team von Ingenieuren und Finanzmanagern sorgen wir daf\u00fcr, dass Ihre Investitionen zu einer lebenswerten Zukunft beitragen und dabei wirtschaftlich rentabel sind.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8220;1\/6&#8243;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8220;1\/6&#8243;][\/vc_column][vc_column width=&#8220;1\/3&#8243; pl=&#8220;25&#8243; pr=&#8220;25&#8243; back_color=&#8220;#ffffff&#8220; border_width=&#8220;10&#8243; border_color=&#8220;#f2f2f2&#8243;][vc_empty_space height=&#8220;50&#8243;][vc_column_text color=&#8220;#99c84d&#8220;]<\/p>\n<h4 style=\"text-align: center;\"><strong>Das finanzieren wir&#8230;<br \/>\n<\/strong><\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8220;25&#8243;][nz_icon_list icon_color=&#8220;#99c84d&#8220;]ressourcenschonende Technologien<br \/>\nregenerative Energien wie Solar und Wind<br \/>\ndie nachhaltigen Entwicklungsziele der Vereinten Nationen (UN SDGs)[\/nz_icon_list][vc_empty_space height=&#8220;50&#8243;][\/vc_column][vc_column width=&#8220;1\/3&#8243; pl=&#8220;25&#8243; pr=&#8220;25&#8243; back_color=&#8220;#ffffff&#8220; border_width=&#8220;10&#8243; border_color=&#8220;#f2f2f2&#8243;][vc_empty_space height=&#8220;50&#8243;][vc_column_text color=&#8220;#ffffff&#8220;]<\/p>\n<h4 style=\"text-align: center;\"><strong>&#8230; und das nicht.<br \/>\n<\/strong><\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8220;25&#8243;][nz_icon_list icon=&#8220;icon-close&#8220;]Fossile Brennstoffe wie Kohle oder \u00d6l<br \/>\nMassentierhaltung oder Tierversuche<br \/>\nAbholzung und die Zerst\u00f6rung von \u00d6kosystemen[\/nz_icon_list][vc_empty_space height=&#8220;50&#8243;][\/vc_column][vc_column width=&#8220;1\/6&#8243;][\/vc_column][\/vc_row][vc_row padding_top=&#8220;0&#8243; padding_bottom=&#8220;0&#8243;][vc_column width=&#8220;1\/6&#8243; pl=&#8220;20&#8243; pr=&#8220;20&#8243;][\/vc_column][vc_column width=&#8220;2\/3&#8243;][vc_column_text color=&#8220;#444444&#8243;]<\/p>\n<p style=\"text-align: center;\">Eine ganze Liste von Ein- und Ausschlusskriteren finden Sie un unserer <a href=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2018\/06\/bettervest-Ethics-Policy_deutsch.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Firmenethik<\/a>.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8220;50&#8243;][\/vc_column][vc_column width=&#8220;1\/6&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8220;stretch_row&#8220; css=&#8220;.vc_custom_1570202689144{background-color: #99c84d !important;}&#8220;][vc_row padding_top=&#8220;0&#8243; padding_bottom=&#8220;10&#8243;][vc_column][vc_empty_space height=&#8220;50&#8243;][vc_column_text color=&#8220;#ffffff&#8220;]<\/p>\n<h2 style=\"text-align: center;\"><strong>bettervest in Zahlen<br \/>\n<\/strong><\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8220;20&#8243;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8220;1\/4&#8243;][vc_custom_heading text=&#8220;8500&#8243; font_container=&#8220;tag:h2|font_size:35|text_align:center|color:%23ffffff&#8220; use_theme_fonts=&#8220;yes&#8220; el_class=&#8220;highlight xxl&#8220; css=&#8220;.vc_custom_1582647959444{margin-bottom: 10px !important;}&#8220;][vc_custom_heading text=&#8220;Registrierte Investoren&#8220; font_container=&#8220;tag:h3|font_size:18|text_align:center&#8220; use_theme_fonts=&#8220;yes&#8220; el_class=&#8220;highlight xxl&#8220; css=&#8220;.vc_custom_1567527457307{margin-bottom: 10px !important;}&#8220;][vc_empty_space height=&#8220;25&#8243;][\/vc_column][vc_column width=&#8220;1\/4&#8243;][vc_custom_heading text=&#8220;92&#8243; font_container=&#8220;tag:h2|font_size:35|text_align:center|color:%23ffffff&#8220; use_theme_fonts=&#8220;yes&#8220; el_class=&#8220;highlight xxl&#8220; css=&#8220;.vc_custom_1582647952205{margin-bottom: 10px !important;}&#8220;][vc_custom_heading text=&#8220;Finanzierte Projekte&#8220; font_container=&#8220;tag:h3|font_size:18|text_align:center&#8220; use_theme_fonts=&#8220;yes&#8220; el_class=&#8220;highlight xxl&#8220; css=&#8220;.vc_custom_1567527485101{margin-bottom: 10px !important;}&#8220;][vc_empty_space height=&#8220;25&#8243;][\/vc_column][vc_column width=&#8220;1\/4&#8243;][vc_custom_heading text=&#8220;13.500.000 \u20ac&#8220; font_container=&#8220;tag:h2|font_size:35|text_align:center|color:%23ffffff&#8220; use_theme_fonts=&#8220;yes&#8220; el_class=&#8220;highlight xxl&#8220; css=&#8220;.vc_custom_1582647997967{margin-bottom: 10px !important;}&#8220;][vc_custom_heading text=&#8220;Euro investiert&#8220; font_container=&#8220;tag:h3|font_size:18|text_align:center&#8220; use_theme_fonts=&#8220;yes&#8220; el_class=&#8220;highlight xxl&#8220; css=&#8220;.vc_custom_1567527518472{margin-bottom: 10px !important;}&#8220;][vc_empty_space height=&#8220;25&#8243;][\/vc_column][vc_column width=&#8220;1\/4&#8243;][vc_custom_heading text=&#8220;560.000&#8243; font_container=&#8220;tag:h2|font_size:35|text_align:center|color:%23ffffff&#8220; use_theme_fonts=&#8220;yes&#8220; el_class=&#8220;highlight xxl&#8220; css=&#8220;.vc_custom_1582648003646{margin-bottom: 10px !important;}&#8220;][vc_custom_heading text=&#8220;Tonnen CO2 eingespart&#8220; font_container=&#8220;tag:h3|font_size:18|text_align:center&#8220; use_theme_fonts=&#8220;yes&#8220; el_class=&#8220;highlight xxl&#8220; css=&#8220;.vc_custom_1567527532738{margin-bottom: 10px !important;}&#8220;][vc_empty_space height=&#8220;25&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8220;stretch_row_content&#8220; content_placement=&#8220;top&#8220; css=&#8220;.vc_custom_1567525221119{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8220; el_id=&#8220;currentprojects&#8220; el_class=&#8220;currentprojects&#8220;][vc_row][vc_column width=&#8220;1\/6&#8243;][\/vc_column][vc_column width=&#8220;2\/3&#8243;][vc_empty_space height=&#8220;50&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><strong>Aktuelle Investitionsm\u00f6glichkeiten<br \/>\n<\/strong><\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8220;20px&#8220;][vc_column_text color=&#8220;#444444&#8243;]<\/p>\n<p style=\"text-align: center;\">Es werden immer neue nachhaltige Geldanlagen auf unser Investitionsplattform vorgestellt. Unser Newsletter informiert Sie sobald ein neues Projekt online ist. Sie haben in der Regel 90 Tage Zeit sich \u00fcber die Geldanlage zu informieren und zu investieren. Hier finden Sie alle aktuelle Projekte die Sie unterst\u00fctzen k\u00f6nnen.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8220;1\/6&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_row-o-content-middle vc_row-flex\" style=\"text-align: center;\">[bettervest_remote url=&#8220;\/start&#8220; rewrite_links=&#8220;false&#8220;]<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row padding_top=&#8220;0&#8243; padding_bottom=&#8220;10&#8243;][vc_column width=&#8220;1\/3&#8243;][\/vc_column][vc_column width=&#8220;1\/3&#8243;][nz_btn text=&#8220;Registrieren &amp; investieren!&#8220; link=&#8220;&#8220; full_width=&#8220;true&#8220; size=&#8220;large&#8220; shape=&#8220;round&#8220; el_class=&#8220;.cta-button&#8220;][\/vc_column][vc_column width=&#8220;1\/3&#8243;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8220;stretch_row_content&#8220; content_placement=&#8220;top&#8220; css=&#8220;.vc_custom_1567528204309{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-color: #f2f2f2 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8220;][vc_row][vc_column width=&#8220;1\/6&#8243;][\/vc_column][vc_column width=&#8220;2\/3&#8243;][vc_empty_space height=&#8220;50&#8243;][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><strong>Nachhaltige Geldanlagen im Portfolio<br \/>\n<\/strong><\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8220;20px&#8220;][vc_column_text color=&#8220;#444444&#8243;]<\/p>\n<p style=\"text-align: center;\">Bei bettervest haben Sie die Z\u00fcgel in der Hand. 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Sie sind somit als Beimischung in ein Anlageportfolio geeignet. 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