{"id":376,"date":"2021-09-29T10:14:24","date_gmt":"2021-09-29T10:14:24","guid":{"rendered":"https:\/\/web.apcal.lu\/?p=376"},"modified":"2022-04-22T12:52:02","modified_gmt":"2022-04-22T10:52:02","slug":"lifepartners-et-la-finance-durable","status":"publish","type":"post","link":"https:\/\/apcal.lu\/fr\/lifepartners-et-la-finance-durable\/","title":{"rendered":"Lifepartners et la finance durable"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbH1 &#8211; titre du post\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_text_color=\u00a0\u00bb#55547D\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1 class=\"entry-title\">Lifepartners et la finance durable<\/h1>\n<p>[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/article-lifepartners-960&#215;593-copy.png\u00a0\u00bb alt=\u00a0\u00bbLifepartners et la finance durable\u00a0\u00bb title_text=\u00a0\u00bbarticle-lifepartners-960&#215;593 copy\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb min_height=\u00a0\u00bb899.7px\u00a0\u00bb custom_margin=\u00a0\u00bb||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbL\u2019avertissement le plus s\u00e9v\u00e8re jamais lanc\u00e9\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>L\u2019avertissement le plus s\u00e9v\u00e8re jamais lanc\u00e9<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Le groupe d\u2019experts intergouvernemental sur l\u2019\u00e9volution du climat (GIEC) a rendu public son dernier bilan en ao\u00fbt 2021 et ce dernier est peu r\u00e9jouissant\u00a01.<\/p>\n<p>Pour qui en douterait encore,\u00a0<strong>la responsabilit\u00e9 des activit\u00e9s humaines sur les d\u00e9r\u00e8glements climatiques\u00a0<\/strong>\u2013 et plus pr\u00e9cis\u00e9ment\u00a0les \u00e9missions de gaz \u00e0 effet de serre rel\u00e2ch\u00e9es dans l\u2019atmosph\u00e8re depuis le d\u00e9but de la r\u00e9volution industrielle en 1750 \u2013\u00a0<strong>est \u00ab sans \u00e9quivoque \u00bb\u00a0<\/strong>aux yeux des experts du Giec. Les \u00e9missions mondiales de CO2 ont augment\u00e9 de 64% depuis 1990.<\/p>\n<p>Un emballement continu et des d\u00e9r\u00e8glements du syst\u00e8me climatique se traduisant notamment par des ph\u00e9nom\u00e8nes m\u00e9t\u00e9orologiques et climatiques extr\u00eames dans toutes les r\u00e9gions habit\u00e9es du monde : vagues de chaleur, pluies torrentielles, s\u00e9cheresses, incendies d\u00e9vastateurs \u2026 Des \u00e9v\u00e8nements plus fr\u00e9quents mais aussi plus intenses comme nous avons pu le constater lors des inondations drama-\u00a0tiques de ce mois du juillet sur la Belgique et l\u2019Allemagne. La surface de la banquise arctique a atteint son plus bas historique : 1 million d\u2019esp\u00e8ces sont menac\u00e9es d\u2019extinction, \u2026<\/p>\n<p>Les climatologues envisagent l\u2019\u00e9volution du climat en fonction de 5 sc\u00e9narios d\u2019\u00e9missions, du plus vertueux au plus d\u00e9sastreux, et il est en effet plus que temps d\u2019agir.<\/p>\n<p>\u00ab Le changement climatique frappe plus durement et plus rapidement que beaucoup ne le pr\u00e9voyaient. Les 5 derni\u00e8res ann\u00e9es sont en passe de devenir les plus chaudes jamais enregistr\u00e9es, les catastrophes naturelles sont de plus en plus intenses et fr\u00e9quentes, et cette\u00a0ann\u00e9e a \u00e9t\u00e9 marqu\u00e9e par des conditions m\u00e9t\u00e9orologiques extr\u00eames sans pr\u00e9c\u00e9dent partout dans le monde \u00bb\u00a02.<\/p>\n<p>2021 ann\u00e9e des inondations \u2026 et 2020 la plupart d\u2019entre nous s\u2019en souviendront comme l\u2019ann\u00e9e de la pand\u00e9mie. Certains ont subi la\u00a0duret\u00e9 de l\u2019isolement et d\u2019autres ont d\u00fb se charger de la scolarisation de leurs enfants \u00e0 la maison tout en travaillant \u00e0 domicile. Nom-\u00a0breux sont ceux qui ont \u00e9t\u00e9 priv\u00e9s d\u2019emploi, gravement malades ou qui ont perdu des proches suite \u00e0 la COVID-19. Les effets soci\u00e9taux et \u00e9conomiques de la crise li\u00e9e \u00e0 la pand\u00e9mie sont profonds !<\/p>\n<p>[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/une-lifepartners-ampoules-960&#215;593-1.png\u00a0\u00bb alt=\u00a0\u00bbLifepartners Graphique\u00a0\u00bb title_text=\u00a0\u00bbune-lifepartners-ampoules-960&#215;593&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_divider color=\u00a0\u00bbrgba(120,134,162,0.3)\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb30%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_divider][et_pb_text admin_label=\u00a0\u00bbDonner du sens \u00e0 votre \u00e9pargne\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Donner du sens \u00e0 votre \u00e9pargne<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Nous le savons, il n\u2019y a pas de petit geste quand il s\u2019agit d\u2019\u0153uvrer pour le climat ou pour une soci\u00e9t\u00e9 plus juste. Vous pouvez changer vos habitudes de consommation, am\u00e9liorer vos comportements, faire des dons mais aussi mettre votre argent au profit de causes environ-\u00a0nementales et soci\u00e9tales tout en le faisant fructifier.<\/p>\n<blockquote>\n<p>Les \u00e9v\u00e8nements extraordinaires que nous vivons soulignent l\u2019importance d\u2019orienter au maximum ses placements vers des inves- tissements dits \u201cdurables\u201d ou \u201csocialement responsables\u201d.<\/p>\n<\/blockquote>\n<p>Le d\u00e9veloppement de l\u2019Investissement Socialement Responsable (ISR ou ESG) s\u2019inscrit dans la prise de conscience de nos soci\u00e9t\u00e9s de la\u00a0n\u00e9cessit\u00e9 de trouver un mod\u00e8le de d\u00e9veloppement \u00e9conomique plus durable, et ce, afin d\u2019assurer le d\u00e9veloppement et la prosp\u00e9rit\u00e9 de tous sans d\u00e9truire nos \u00e9cosyst\u00e8mes. Le secteur financier en tant que \u00ab Banquier \u00bb de notre \u00e9conomie doit jouer un r\u00f4le central dans le financement et l\u2019acc\u00e9l\u00e9ration de transition durable de nos soci\u00e9t\u00e9s.<\/p>\n<p>Par contre, si investir de mani\u00e8re durable est important et se retrouve dans la documentation marketing de nombreuses institutions financi\u00e8res et est sur les l\u00e8vres de tous les gestionnaires, la mani\u00e8re de le faire n\u2019est pas toujours tr\u00e8s claire\u2026\u00a0<strong>Une certaine opacit\u00e9 existe toujours, maintenue souvent volontairement par certains.\u00a0<\/strong>Finance responsable, finance durable, investissement socialement responsable, fonds \u00e9thiques, \u00ab best in class \u00bb, normes ESG, \u00ab green bonds \u00bb, \u00ab impact investing \u00bb, \u2026 Pas toujours facile de s\u2019y retrouver.<\/p>\n<div class=\"page\" title=\"Page 2\">\n<div class=\"layoutArea\">\n<div class=\"column\"><\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbQuels sont les crit\u00e8res ESG ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"page\" title=\"Page 2\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<h2>Quels sont les crite\u0300res ESG ?<\/h2>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Pour simplifier, nous parlerons des crit\u00e8res ESG (Environnementaux, Sociaux et de Gouvernance), qui sont des\u00a0<strong>crit\u00e8res d\u2019analyse ex-\u00a0<\/strong><strong>tra-financiers qui permettent d\u2019\u00e9valuer comment les entreprises prennent en compte le d\u00e9veloppement durable dans leurs acti<\/strong><strong>\u2013 vit\u00e9s<\/strong>. Ils sont organis\u00e9s autour de 3 dimensions :<\/p>\n<ul>\n<li><strong>L\u2019ENVIRONNEMENT<\/strong>\u00a0: \u00e9valuation des impacts environnementaux de l\u2019entreprise comme les \u00e9missions de CO2, la consommation d\u2019\u00e9nergie, la gestion de l\u2019eau et des d\u00e9chets.<\/li>\n<li><strong>LE SOCIAL<\/strong> : prise en compte par l\u2019entreprise de la gestion de ses ressources humaines, de ses fournisseurs, des communaut\u00e9s locales. On s\u2019int\u00e9resse aussi \u00e0 la qualit\u00e9 du dialogue social, le respect des droits humains, la diversit\u00e9 au sein de l\u2019entreprise (hommes\/ femmes, handicap\u00e9s, \u2026).<\/li>\n<li><strong>LA GOUVERNANCE<\/strong> : s\u2019int\u00e9resse \u00e0 la fa\u00e7on dont l\u2019entreprise est dirig\u00e9e, la qualit\u00e9 et la diversit\u00e9 de sorganes de direction, la transparence au niveau de la r\u00e9mun\u00e9ration des dirigeants, les mesures prises contre la corruption, \u2026La plupart des entreprises communiquent aujourd\u2019hui de nombreuses informations sur la mani\u00e8re dont elles prennent en compte les facteurs ESG. Ensuite, ces facteurs ESG sont le point de d\u00e9part pour la mise en place d\u2019un Investissement Socialement Responsable (ISR).<\/li>\n<\/ul>\n<p>La plupart des entreprises communiquent aujourd\u2019hui de nombreuses informations sur la manie\u0300re dont elles prennent en compte les facteurs ESG. Ensuite, ces facteurs ESG sont le point de de\u0301part pour la mise en place d\u2019un Investissement Socialement Responsable (ISR).<\/p>\n<p>Il existe ensuite plusieurs niveaux de durabilit\u00e9 possible au niveau de l\u2019ISR. En voici quelques exemples :<\/p>\n<ul>\n<li>Un fond souungestionnaire peut par exemple d\u00e9cider de ne pas investir dans certains secteurs ou activit\u00e9s bas\u00e9 sur des consid\u00e9rations \u00e9thiques en pratiquant l\u2019exclusion (armement, tabac, jeux d\u2019argent, \u2026), on parlera alors souvent de fonds \u00ab \u00e9thiques \u00bb.<\/li>\n<li>En plus de l\u2019exclusion, un fonds peut aller un peu plus loin, et investir dans chaque secteur via les entreprises qui obtiennent\u00a0<strong>les meilleures notes ESG<\/strong>, on parlera alors plut\u00f4t de fonds \u00ab Best in class \u00bb ou \u00ab Best in universe \u00bb.<\/li>\n<li>Et enfin,sur la premi\u00e8re marche du podium on parler a g\u00e9n\u00e9ralement des fonds \u00ab\u00e0 impact \u00bbqui investissent dans des entreprises dont l\u2019activit\u00e9 g\u00e9n\u00e8re de mani\u00e8re intentionnelle et mesurable des impacts environnementaux et sociaux positifs.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbLes agences de notations, les labels &#038; le SFDR : comment s\u2019y retrouver ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Les agences de notations, les labels &amp; le SFDR : comment s\u2019y retrouver ?<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Les crit\u00e8res ESG sont not\u00e9s par des agences de notation extra-financi\u00e8res. Il s\u2019agit de soci\u00e9t\u00e9s charg\u00e9es d\u2019\u00e9valuer la politique sociale et environnementale d\u2019un acteur \u00e9conomique. Apr\u00e8s analyse, elles lui attribuent des notes sur diff\u00e9rentes th\u00e9matiques. \u00c0 titre d\u2019exemple, au sein de Lifepartners, nous avons notamment retenu la\u00a0<strong>m\u00e9thodologie de notation \u00e0 360 degr\u00e9s de Quantalys pour \u00e9valuer la qua- lit\u00e9 de l\u2019approche ISR de nos gestionnaires<\/strong>. Ce sont plus de 1.900 fonds ISR analys\u00e9s sur pr\u00e8s de 30 crit\u00e8res ESG diff\u00e9rents. Gr\u00e2ce \u00e0 ses analyses financi\u00e8res propri\u00e9taires et ind\u00e9pendantes, la soci\u00e9t\u00e9 Quantalys fait r\u00e9f\u00e9rence dans le monde de l\u2019\u00e9pargne et de la gestion de\u00a0patrimoine.<\/p>\n<p>Au-del\u00e0 des notations, il existe une vraie jungle de \u00ab labels \u00bb (ISR, Finansol, Luxflag, Greenfin, \u2026) en Europe dont beaucoup ont clai-\u00a0rement la communication et le marketing comme raison d\u2019\u00eatre. Il n\u2019est donc pas ais\u00e9 pour les investisseurs finaux de s\u2019y retrouver\u2026\u00a0Par contre, pour les investisseurs belges nous retiendrons le\u00a0<strong>label \u00ab Towards sustainability \u00bb de Febelfin<\/strong>, qui est d\u2019ailleurs consid\u00e9r\u00e9 comme\u00a0l\u2019<strong>un des labels les plus stricts en Europe.<\/strong><\/p>\n<p>Encore fallait-il r\u00e9guler toutes ces initiatives afin que l\u2019investisseur final puisse enfin s\u2019y retrouver et \u00e9viter que les gestionnaires de fonds de placements ne fassent de l\u2019\u00e9coblanchiment (du \u00ab greenwashing \u00bb) et ne pr\u00e9sentent leurs produits comme plus durables qu\u2019ils ne le sont en r\u00e9alit\u00e9 !<\/p>\n<p>C\u2019est dans ce but qu\u2019une nouvelle \u00e9tape vient d\u2019\u00eatre franchie en ce d\u00e9but d\u2019ann\u00e9e 2021 avec l\u2019entr\u00e9e en vigueur le\u00a0<strong>10 mars 2021 du r\u00e8-\u00a0glement europ\u00e9en sur la publication d\u2019informations en mati\u00e8re de durabilit\u00e9 dans le secteur des services financiers, mieux connu\u00a0sous l\u2019acronyme SFDR.<\/strong><\/p>\n<p>Le SFDR impose donc aux gestionnaires de fonds de faire preuve de transparence sur la durabilit\u00e9 de leurs investissements. Ils sont tenus\u00a0d\u2019indiquer\u00a0<strong>de quelle mani\u00e8re ils int\u00e8grent des objectifs environnementaux, sociaux et de gouvernance (ESG)<\/strong>\u00a0dans leur politique\u00a0d\u2019investissement.<\/p>\n<p>Le SFDR distingue trois grandes cat\u00e9gories de produits financiers :<\/p>\n<div class=\"page\" title=\"Page 3\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<ul>\n<li>PRODUIT E\u0301LIGIBLE A\u0300 L\u2019ARTICLE 9 = Produit financier qui a pour objectif l\u2019investissement durable c\u2019est-a\u0300-dire que l\u2019investissement est re\u0301alise\u0301 dans une activite\u0301 e\u0301conomique qui contribue a\u0300 un objectif environnemental et\/ou social.<\/li>\n<li>PRODUIT E\u0301LIGIBLE A\u0300 L\u2019ARTICLE 8 = Produit financier qui promeut des caracte\u0301ristiques environnementales et\/ou sociales.<\/li>\n<li>PRODUIT E\u0301LIGIBLE A\u0300 L\u2019ARTICLE 6 = Produit financier qui n\u2019implique aucune prise en compte particulie\u0300re de crite\u0300res ESG dans son\u00a0objectif d\u2019investissement.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbLes investissements durables sont-ils performants ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Les investissements durables sont-ils performants ?<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Depuis une dizaine d\u2019ann\u00e9es, de nombreuses \u00e9tudes r\u00e9v\u00e8lent que les fonds int\u00e9grant les facteurs ESG ne g\u00e9n\u00e8rent pas forc\u00e9ment moins de rendement. Au contraire, l\u2019int\u00e9gration des crit\u00e8res ESG permet une meilleure compr\u00e9hension des soci\u00e9t\u00e9s et de leurs activit\u00e9s. les en-\u00a0treprises avec une vision novatrice par leur implication ESG auraient plus de chances d\u2019accro\u00eetre leurs r\u00e9sultats sur le long terme gr\u00e2ce,<\/p>\n<p>par exemple, \u00e0 l\u2019utilisation d\u2019\u00e9nergies renouvelables, le bien-\u00eatre du personnel qui am\u00e9liore la productivit\u00e9 ou encore la transparence des r\u00e9mun\u00e9rations des dirigeants qui assure le maintien d\u2019une bonne gouvernance dans l\u2019entreprise\u00a07.<\/p>\n<p>De plus, gr\u00e2ce \u00e0 leur maitrise des risques,\u00a0<strong>les fonds ESG seraient plus robustes face aux turbulences de march\u00e9<\/strong>. \u00c0 titre d\u2019exemple, 2020 restera une ann\u00e9e historique pour les march\u00e9s financiers qui ont connu, avec la crise sanitaire mondiale, l\u2019une des baisses les plus fortes et les plus rapides de leur histoire. Une baisse qui sera aussi l\u2019une des plus vite effac\u00e9es. En analysant en d\u00e9tail et en comparant les entreprises qui b\u00e9n\u00e9ficient des meilleures notes ESG avec celles qui ont les plus mauvaises, voici les principaux constats :<\/p>\n<div class=\"page\" title=\"Page 4\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<ul>\n<li>LES CRITE\u0300RES ESG SONT BIEN UN FACTEUR DE SURPER FORMANCE. Les entreprises avec les meilleures notes ESG on taffiche\u0301 des performances annuelles plus e\u0301leve\u0301es.<\/li>\n<li>LES CRIT\u00c8RES ESG SONT UN FACTEUR DE R\u00c9SILIENCE. Les entreprises avec les meilleures notes ESG r\u00e9sistent mieux dans les p\u00e9-\u00a0riodes de mouvements extr\u00eames \u00e0 la baisse sur les march\u00e9s.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<p>D\u2019apr\u00e8s les \u00e9tudes, nous observons aussi que les entreprises avec les meilleures notes ESG sont majoritairement des entreprises de qua- lit\u00e9 pr\u00e9sentant des bilans sains. Ces entreprises sont souvent aussi beaucoup\u00a0<strong>plus attentives \u00e0 la protection de l\u2019environnement et de leurs collaborateurs.\u00a0<\/strong>Certaines d\u2019entre elles avaient par exemple ainsi d\u00e9j\u00e0 d\u00e9ploy\u00e9 avant la crise Covid des solutions de t\u00e9l\u00e9travail,\u00a0offrant \u00e0 leurs salari\u00e9s un cadre de travail propice \u00e0 un meilleur \u00e9quilibre vie professionnelle\/vie priv\u00e9e.<\/p>\n<p>Pris s\u00e9par\u00e9ment, les crit\u00e8res Environnementaux, Sociaux et de Gouvernance semblent tous \u00eatre une source de performance sur le long\u00a0terme\u00a08 9 10.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbMais qu\u2019en est-il chez Lifepartners aujourd\u2019hui ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Mais qu\u2019en est-il chez Lifepartners aujourd\u2019hui ?<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Lifepartners est votre conseiller pour la gestion de votre patrimoine. S\u2019appuyant sur une longue exp\u00e9rience des march\u00e9s financiers, Life\u00a0\u2013\u00a0partners vous conseille un investissement d\u2019une part, en fonction de vos crit\u00e8res dont les plus importants sont votre situation person-\u00a0nelle, patrimoniale, financi\u00e8re, professionnelle ; votre app\u00e9tence aux risques financiers (profil de risque) et votre connaissance des mar\u00a0\u2013\u00a0ch\u00e9s\/produits financiers. D\u2019autre part, en fonction de sa propre \u00e9valuation des march\u00e9s et produits financiers disponibles sur le march\u00e9.<\/p>\n<p>Durant leur carri\u00e8re professionnelle, les personnes au sein de l\u2019\u00e9quipe\u00a0<strong>Lifepartners ont analys\u00e9 de mani\u00e8re exhaustive plus de 400 gestionnaires d\u2019actifs aux 4 coins du monde<\/strong>. Sur base de cette exp\u00e9rience ils en ont \u00e9tabli une liste de crit\u00e8res qui devra \u00eatre scrupu-\u00a0leusement respect\u00e9e par les gestionnaires s\u00e9lectionn\u00e9s pour compte des clients de Lifepartners.<\/p>\n<p>Cette \u00e9valuation, Lifepartners la souhaite\u00a0<strong>transparente<\/strong>. Que ce soit au niveau des co\u00fbts et frais des investissements ou de la qualit\u00e9 de leurs performances historiques.<br \/>Le processus de s\u00e9lection des fonds chez Lifepartners est d\u2019un c\u00f4t\u00e9 bas\u00e9 sur une analyse fondamentale rigoureuse et approfondie visant \u00e0 \u00e9valuer le couple rendement\/risque des fonds communs du march\u00e9. D\u2019un autre c\u00f4t\u00e9, la s\u00e9lection se fait sur base d\u2019une analyse des co\u00fbts et frais de ces m\u00eames fonds.<\/p>\n<p>Ce processus d\u00e9bouche sur une s\u00e9lection de fonds (fonds mixtes, fonds actions, fonds d\u2019obligations, fonds \u00e0 th\u00e8mes, etc\u2026) pouvant r\u00e9-\u00a0pondre aux crit\u00e8res personnels de chacun de ses clients. Nos exigences vis-\u00e0-vis de nos gestionnaires se concentrent, entre autre, autour de la transparence de la structure de frais, de l\u2019alignement d\u2019int\u00e9r\u00eat au c\u00f4t\u00e9 du client, de la p\u00e9rennit\u00e9 et de l\u2019exp\u00e9rience de l\u2019\u00e9quipe de gestion ou encore de la r\u00e9sistance du portefeuille durant les diff\u00e9rentes phases de stress sur les march\u00e9s financiers.<\/p>\n<p>Mais aujourd\u2019hui chez Lifepartners, l\u2019objectif n\u2019est plus seulement d\u2019obtenir un rendement pour son client mais\u00a0<strong>d\u2019obtenir un rende- ment qui ne nuit pas \u00e0 la plan\u00e8te ou \u00e0 la soci\u00e9t\u00e9<\/strong>. C\u2019est pourquoi, la finance durable\/ESG vient aujourd\u2019hui non seulement compl\u00e9ter le processus habituel mais surtout y prendre la premi\u00e8re place.<\/p>\n<p>Ainsi un des premiers crit\u00e8res de s\u00e9lection des fonds communs chez Lifepartners est en effet l\u2019int\u00e9gration des principes ESG dans les produits d\u2019investissement. Tant il est vrai qu\u2019une int\u00e9gration ESG permet de limiter les risques de r\u00e9putation, de mauvaise gouvernance\u00a0et d\u2019activit\u00e9s controvers\u00e9es au niveau environnemental.<\/p>\n<p>\u00c0 nouveau, en demandant une totale transparence aux acteurs financiers (g\u00e9rants de fonds), le SFDR est un soutien important dans notre d\u00e9marche. En outre,\u00a0<strong>tous nos gestionnaires sont signataires des PRI\u00a0<\/strong>(les Principes pour l\u2019Investissement Responsable). Les PRI\u00a0sont une initiative port\u00e9e par les Nations Unies depuis 2005. Les signataires doivent prendre une s\u00e9rie d\u2019engagements dont le fait d\u2019int\u00e9- grer les questions ESG \u00e0 leurs processus d\u00e9cisionnels et d\u2019analyse des investissements.<\/p>\n<p>Ce n\u2019est qu\u2019apr\u00e8s cette premi\u00e8re s\u00e9lection, ce premier filtre, que Lifepartners examine dans un second temps les facteurs fondamentaux des fonds communs retenus et, dans un troisi\u00e8me temps, les co\u00fbts et frais li\u00e9s \u00e0 l\u2019investissement.<\/p>\n<p><strong>Lifepartners en combinant rendement attendu et r\u00e9sultats durables met en avant une finance diff\u00e9rente ayant pour objectif un\u00a0avenir meilleur pour tout un chacun tant sur le plan environnemental que social.<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbL\u2019engagement de Lifepartners ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>L\u2019engagement de Lifepartners ?<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb admin_label=\u00a0\u00bbTexte\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||-2px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||39px|||\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Les \u00e9quipes de Lifepartners s\u2019engagent \u00e0\u00a0<strong>promouvoir l\u2019investissement \u00e0 impact positif\u00a0<\/strong>aupr\u00e8s de ses clients et \u00e0 travers ses publications.<\/p>\n<p>L\u2019investissement d\u2019impact est bas\u00e9 sur la\u00a0<strong>volont\u00e9 de g\u00e9n\u00e9rer des impacts environnementaux et sociaux positifs en m\u00eame temps\u00a0<\/strong><strong>qu\u2019un rendement financier sur le long terme<\/strong>. Ce courant d\u2019investissement en plein essor cherche ainsi \u00e0 prouver qu\u2019en mettant les capitaux priv\u00e9s aux services de grandes causes soci\u00e9tales, la finance peut faire partie des solutions aux d\u00e9fis environnementaux et so\u00a0\u2013 ciaux de nos soci\u00e9t\u00e9s.<\/p>\n<p>M\u00eame s\u2019il existe encore peu d\u2019indicateurs standardis\u00e9s pour la mesure d\u2019impact positif, beaucoup d\u2019entreprises cherchent notamment\u00a0\u00e0 d\u00e9montrer la contribution qu\u2019elles apportent aux\u00a0<strong>Objectifs de D\u00e9veloppement Durable (ODD) de l\u2019ONU\u00a0<\/strong>(Organisation des Nations Unies). Les ODD sont la feuille de route de l\u2019ONU qui tend \u00e0 s\u2019imposer comme un moyen de standardiser le mesure d\u2019impact positif (Les Objectifs de d\u00e9veloppement durable \u2013 D\u00e9veloppement durable (un.org))\u00a011.<\/p>\n<p><strong>Chez Lifepartners, nous sommes convaincus que la prochaine d\u00e9cennie appartiendra aux investisseurs durables, et gr\u00e2ce au soutien de nos \u00e9quipes, nous pensons pouvoir vous apporter ce que vous attendez de nous &amp; apporter notre contribution \u00e0 la plan\u00e8te bleue.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbID Entreprise\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/Lifepartners-1.jpg\u00a0\u00bb alt=\u00a0\u00bbLifepartners\u00a0\u00bb title_text=\u00a0\u00bbLifepartners\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text ul_type=\u00a0\u00bbnone\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>Lifepartners<\/strong><\/p>\n<p><strong><\/strong><\/p>\n<ul>\n<li>5, Om Knupp\u00a0(R\u00e9sidence Espace Horizon)<\/li>\n<li>L-9991 WEISWAMPACH<\/li>\n<li>Luxembourg<\/li>\n<li>T\u00e9l. +352 26 95 77 25<\/li>\n<li><a href=\"mailto:info@lifepartners.lu\">info@lifepartners.lu<\/a><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_module=\u00a0\u00bb448&Prime; saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbPlatinium\u00a0\u00bb _builder_version=\u00a0\u00bb4.13.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_3_text_align=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Sponsor Platinium<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.13.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb10px||70px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb40px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/06\/sogelife.png\u00a0\u00bb alt=\u00a0\u00bbSogelife\u00a0\u00bb title_text=\u00a0\u00bbsogelife\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.sogelife.com\/fr\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbMondiale\u00a0\u00bb _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbGold\u00a0\u00bb _builder_version=\u00a0\u00bb4.11.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_3_text_align=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Sponsors Gold<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_5,1_5,1_5,1_5,1_5&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb2&Prime; admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb10px||10px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb40px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_5&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/aig-europe.png\u00a0\u00bb alt=\u00a0\u00bbAIG\u00a0\u00bb title_text=\u00a0\u00bbaig-europe\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.aig.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAIG\u00a0\u00bb _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_5&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/allianz-Life-Luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbAllianz\u00a0\u00bb title_text=\u00a0\u00bballianz-Life-Luxembourg\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.allianz.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAllianze\u00a0\u00bb _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_5&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/arendt-medernach.png\u00a0\u00bb alt=\u00a0\u00bbarendt\u00a0\u00bb title_text=\u00a0\u00bbarendt-medernach\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.arendt.com\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbArendt\u00a0\u00bb _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_5&Prime; _builder_version=\u00a0\u00bb4.9.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/axa-luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbaxa\u00a0\u00bb title_text=\u00a0\u00bbaxa-luxembourg\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.axa.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAxa\u00a0\u00bb _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; 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