Welcome to Moniflo
Open your virtual demo account at Moniflo with €10,000 in funds
What are the exclusions with Moniflo?
What are "exclusions" at Moniflo?
How to eliminate business practices you consider harmful or unethical.
When we started developing Moniflo, we wanted to find ways to give people who invest in funds more control over the impact of their money. Being able to avoid investments they thought were harmful was an important way to do that. So we set out to find data to make this possible.
On what basis something is excluded
If you use an exclusion filter in Moniflo, you will only see funds that are not engaged in the topic you selected. For example, do you want to exclude "nuclear energy"? Then you will not see funds that invest in companies that are either directly or indirectly involved in the generation of or participation in nuclear energy.
Our exclusion principle - A deeper insight
We partner with Clarity AI, a provider of sustainable impact data. This collaboration gives us the appropriate basis for the exclusions you see in Moniflo.
Clarity AI examines both direct and indirect corporate involvement in 18 sensitive issues such as coal, meat and palm oil. We have included the full list at the end of this article.
Prior to launch, we analyzed over 30 data providers and met with more than 15 of them in person or over the phone to gain an understanding of how they operate and to ensure that the data was as accurate and useful as possible.
We maintain close contact with Clarity AI and have gained insight into their methodology and engagement. Constantly reviewing and improving the data is the focus.
Open an investment account that allows you to invest in funds that match your values.
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FAQ
At the end of 2022, you can already download a first version of the app to practice investing. However, if you want to buy and sell funds, you'll have to be patient. We expect to launch the final version of the app in early 2023. It's best to get on the waiting list to be among the first to test Moniflo.
We want to build a platform for critical and conscious people who focus on long-term investments where the money serves a good purpose. Cryptocurrencies are highly volatile and speculative. Since they are not regulated, investors also do not benefit from the same high level of protection and risk diversification as with mutual funds. This does not fit with our vision of offering long-term investments.
With our app, we want to reach all people who want to invest in a value-based way. We also focus on actively managed funds and not ETFs, as experts agree that ETFs have their limitations with regard to value-based investing. By the way, unlike other platforms, we do not charge any transaction or account fees. Moniflo is therefore also suitable if you only want to invest small amounts at first.
We work with Clarity AI, a provider of sustainable impact data, to obtain data for our Impact Score. This indicates whether the companies in the fund or portfolio are aligned with a specific UN Sustainable Development Goal (SDG). To calculate the Impact Score, Clarity AI tracks and measures a range of more than 60 relevant metrics linked to 52 SDG targets.
Moniflo will operate with a full investment firm license under strict EU laws and regulations. This means that your money is protected up to €20,000 by the Luxembourg Deposit Guarantee Scheme - and that your money and Moniflo investment account are safe.
We work with trusted partners and payment institutions to keep your cash deposits safe. Our payment partner Mangopay is subject to both national and EU payment regulations that ensure the safety of your money. In addition, your deposits are fully segregated and held in trust with unlimited protection. For example, your cash deposits up to €100,000 are protected by the Luxembourg Deposit Guarantee Scheme.
Your data is secured with 256-bit encryption so that only you and Moniflo can access your personal and financial information. We use state-of-the-art MPC technology that prevents unauthorized access to your investments. In addition, we employ multi-level security measures to protect your money and data, including secure servers.
In the course of providing our services and operating our business, we also share data with third parties who meet our security standards. You can read more about how and why we share your information in our Terms and Conditions.
Asset managers with investment funds on the Moniflo platform bear the bulk of the costs. They pay for their funds to be listed on the platform and pay for additional services. In the app, transactions and accounts are free. We expect that a small fee will be charged when users deposit or withdraw money from their investment account. The reason for this is to cover our internal costs, as well as to cover the costs of the payment provider.
