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Sustainable investing: How your money rules the world

More and more people are no longer leaving it to chance which loans are supported with their savings. Sustainable investment is the trend. Find out here more about sustainable investing and determine for yourself what your money is used for.

We invest a lot of time and effort to make our daily consumer behaviour more sustainable. From jute bags instead of plastic bags to vegan meat substitutes and smartphone covers made from 100% recycled material: every little step of everyday life is closely scrutinised for sustainability.

In doing so, we neglect one thing that has an even greater impact on the world: The money in our bank accounts. Do you know how your money rules the world?

Your money in the bank shapes the world every day

What you do with your money has an impact. So does what you do NOT do with your money. It simply ALWAYS has an effect.

For some, there may even be a considerable chunk in the account. Waiting to be spent or invested. Or not. 

Not only financial experts know that the latter is usually not a good idea. Because apart from the fact that money “slumbering” in a conventional account constantly loses value over time (keyword inflation), it permanently shapes the environment and society. 

The money is not simply “lying” in the bank, as the saying goes. Instead, it is constantly in circulation in the form of loans, without the thrifty person noticing anything at all.

Do you know which loans are financed with your savings?

As a rule, this is not the case. This makes it unclear whether the savings are used for projects that correspond to one’s own values – or not. 

It is quite possible that a vegetarian’s savings go to the meat industry.

Or that the black number on the electric car driver’s account is used to promote fossil fuels.

Sounds absurd? We think so too! 

But fortunately, everyone can proactively determine for themselves what is promoted with their money. In order to exclude harmful loans, switching to a sustainable bank and a sustainable current account is an uncomplicated option that guarantees at least a degree of certainty.

Those who prefer to pull the strings themselves can go a little further and invest sustainably.

Investing sustainably in e-car sharing & Co. saves resources such as CO2

Which investment option is suitable always depends on the individual goals of the investor. If the most positive possible effect on social-ecological factors is important to him, the magic word is “sustainable investment”. Savings can be used for good without much effort. And increase it at the same time.

Even for small sums, choosing a sustainable fund over a conventional fund already has an impact on the environment. Sustainable investments (e.g. in renewable energies, e-car sharing companies, etc.) can save many tonnes of CO2, water and other resources, depending on the size of the investment.

What are sustainable investments?

What does “sustainable” actually mean for investment products?

Sustainable investments are investment vehicles such as ETFs (exchange traded funds) or funds that invest in companies that meet ecological, social or ethical criteria and thus aim to create added value.

Sustainable investments thus differ from conventional investments in that they not only have a financial return, but also a social-ecological return. In addition to the monetary aspects, there is always an emotional, value-based additional benefit.

In practice, however, it is not so easy to clearly distinguish between conventional and sustainable investment products. The industry is in a process of discovery here. 

Since sustainability is complex, the EU taxonomy (a kind of minimum criteria catalogue) was published by the European Commission in order to set a minimum standard for investment vehicles in the area of climate. The EU taxonomy is continuously developed by an expert task force. 

ESG criteria crucial for sustainable investments

For an investment to be considered sustainable, the so-called “ESG criteria” are important.

  • E” stands for Environmental
  • “S” stands for Social and
  • “G” for Governance (responsible corporate management).

The preparation of an ESG rating is carried out by rating agencies specialising in sustainability, which are commissioned by both investors and issuers. The ESG criteria are defined individually by the rating agencies and can include the following analyses, among others:

  1. Environmental: The environmental criterion examines the company’s environmental performance, including greenhouse gas emissions, resource consumption and energy efficiency.
  2. Social: The social aspect focuses on a company’s social commitment. Relevant criteria here include product responsibility, compliance with human rights within the value chain, interaction with employees and customers, and occupational safety.
  3. Governmental: The governmental score defines how sustainable corporate governance is. The aspect includes, for example, questions regarding corporate values, takes a look at the company’s partnerships and also examines them with regard to corruption.

Negative and positive criteria determine the sustainability of investments

Both negative screening and positive screening help to classify investments as ESG-compliant or not.

In negative screening, companies are checked for negative criteria. A more widespread negative criterion is “free of coal”. This criterion focuses on investments in coal mining and coal-fired power generation. If certain values (called thresholds) are not met, the security is excluded from the portfolio.

Involvement in the arms trade, the tobacco or alcohol industry or human rights violations are, of course, no-goes in ESG investments. Almost all ESG ratings are based on this exclusion principle, whereby no clear criteria are applied, especially in social areas (such as human rights).

A positive criterion for ESG investments, on the other hand, is, for example, whether a company belongs to a particularly sustainable player within its respective industry and measures environmental and social impacts.

Invest sustainably and earn a return at the same time?

One thing first: even though many studies show that sustainable investments often perform better than conventional investments, there is still no clear, scientifically sound statement regarding the comparison of returns.

However, one prejudice against sustainable investment products is clearly outdated: the allegedly lower return. The assumption is based primarily on the fact that sustainable economic models incur additional costs compared to conventional ones. 

In the meantime, however, it is not only industry experts who know that these are offset – namely by the long-term additional benefits of sustainable investments based on ESG factors.

In terms of their return, sustainable investment opportunities can be on a par with financial investments without additional social-ecological benefits, but they can also perform better or worse. All three variants are possible.

Every investment opportunity must always be assessed individually in terms of its risk-return profile, regardless of whether it is conventional or sustainable. However, some studies evaluate sustainable investments as more positive in a direct comparison.

Study measures higher returns with sustainable investments

An analysis by the fund rating company Morningstar from 2019, for example, attributes a higher return and survival rate to sustainable investment. It looked at 4,900 funds, including 745 sustainable ones (defined according to ESG criteria). 

Higher returns: According to the results, 60 percent of sustainable funds outperformed their conventional peers in terms of returns over a decade. 

Higher survival rate: The survival rate for conventional investments was 46 percent – compared to 72 percent for green investments.

Even in the Corona crisis, sustainable funds have proven to be more stable and crisis-proof. And in some cases developed more positively than conventional investments.

Sustainable investment is the trend

A large-scale global survey of institutional investors conducted by the Economist Intelligence Unit (EIU), “Resetting the agenda – How ESG is shaping our future”, shows that sustainable investment is in vogue. 

According to the analysis, the consideration of ESG factors is becoming increasingly important when deciding for or against a financial investment. According to the results, the consideration of ESG factors in investments increases the investment opportunities, but not the risk.

Climate funds particularly popular among sustainable investments

A study published in 2020 by the Institute for Financial Services Zug IFZ showed that demand for climate funds in particular has increased more than 6-fold in the last three years.

The study situation is also reflected in our perception: sustainability is in. The questioning of one’s own consumer behaviour and the search for green alternatives in everyday life is on the rise, especially among younger generations. Sustainable products and services have been experiencing a sustained upswing for years.

Those who invest in sustainable start-ups and products that have a green impact on the world with innovative concepts are jumping on a bandwagon that is in demand and heading in the right direction. 

Sustainable investment opportunities

The options for investing money sustainably are becoming increasingly diverse and simple. Green investment opportunities abound. Sustainable ETFs and equity funds, for example, can be found in areas such as renewable energies, electromobility, water and health.

This results in numerous thematic investment niches. For example, vegan brands have been conquering the stock market for years. Ethical and health-motivated people in particular are investing more and more in sustainable food, lifestyle and healthcare brands.

When it comes to sustainable investments, many investors prefer to focus on green-tech companies that mainly promise a positive impact on ecological goals. They invest in renewable energies or climate-friendly mobility concepts, for example.

The spectrum of topics for investments in the e-mobility sector is also huge and ranges from battery manufacturers and drive technologies to e-charging stations and car-sharing companies.

EOT: Investing sustainably in ELOOP’s E-Car Sharing

Since August 2020, anyone can invest in our mobility concept. For this purpose, we have launched the blockchain-based security token ELOOP ONE TOKEN, or “EOT” for short.

It is important to note that this is not a cryptocurrency but a blockchain-based investment vehicle. Both large investors and private individuals participate in our turnover by purchasing EOT.

The appeal of the EOT for many is that, unlike other blockchain-based tokens, it has a physical countervalue. Namely, our tokenised carsharing fleet, which now consists of 21 Tesla. The EOT thus represents an existing product, namely the cars and the carsharing service.

ELOOP cars continuously generate revenue and thus also bring money into the pockets of token holders in real time.

The EOT combines several major trends in sustainable investing:

  • E-Mobility: ELOOP’s car sharing fleet consists only of Tesla and is thus purely electric.
  • Renewable energies: The fleet is powered by green electricity in Vienna.
  • Sharing idea: The community idea is very important to us. By sharing cars and their sales, we also pursue social goals. We want to achieve a positive impact and grow as a community.

By the way: The blockchain-based security token EOT is one of the few tokens that do not require mining. The blockchain uses the “proof of stake approach”, whereby the blockchain is created with just one click.

The so-called mining (German “Schürfen”) requires an enormous amount of computing power, which results in insane amounts of CO2 emissions.

EOT turns cars into assets

What is unique is that the EOT makes cars an asset for token holders. In contrast to the usually not very sensible purchases in terms of private car purchases. This is because cars immediately lose considerable value when they are purchased.

Moreover, they are a liability that continuously takes money out of the owner’s pocket. An investment in a service based on the constant use of cars, such as ELOOP’s e-car sharing, is different.

The largest token sale to date is currently underway. We have tokenised 10 more Tesla, so there is a total of 850,000 EOT for sale. 

Find out more about the EOT here.

You want to invest and earn money? Then you can register here.

Quellen:

ELOOP ONE Handy und Laptop

EOT: Passive income & sharing

The abbreviation EOT stands for ELOOP ONE Token. This security token developed by ELOOP, allows anyone to participate in the revenues of the ELOOP car sharing fleet. Each token holder will directly participate in the revenue of the cars. Find out how it works here.

The idea behind the EOT: “Real” car sharing thanks to revenue sharing

Just sharing the use of our cars was not enough for us. The security token makes it possible to also join ELOOP’s value chain and benefit financially from the driving revenues.

With this unique selling point, we see ourselves as the first “real” car sharing provider – as opposed to a purely app-based car rental company. With the EOT, ELOOP is the first blockchain-based car sharing.

The EOT is also an important building block of our sustainability model. Besides the pure service of car sharing, the ELOOP One Token also helps to create local sustainable cities.

High demand for our EOT

Demand for our ELOOP ONE token remains high:

EOT: Survey Buying Token

Would you also like to secure tokens in the future? You can already register here.

The power of community: Synergies between EOT and car sharing

In the spirit of the sharing economy, the impact of the community is also particularly important for EOT. Those who invest also promote the expansion of the car sharing service. Those who drive, in turn, increase the value of the EOT.

Regardless of whether it is “only” the token holder or also the car sharing user and vice versa: the synergy effects between the service and the security token continue to develop through the ELOOP community. In this way, we can create a holistic cycle.

Value of the EOT increases continuously due to positive network effects

Because especially in the mobility sector, the same applies to sharing solutions: The better the availability, i.e. the more densely developed the car sharing infrastructure, the higher the network effects. Thanks to these, every new e-car in the fleet simultaneously increases the turnover of all other cars.

With the increased profits from the trips, the payouts to token holders also become higher. We at ELOOP can in turn increase the token supply. And so on.

SHARING 2.0: EOT democratises the sharing economy

The ELOOP ONE token is one of the world’s first and most innovative ways to invest in sustainable mobility solutions.

With the tokens, people can also participate in the sharing economy who do not want to or cannot use the ELOOP car sharing service themselves. For example, because the service is not yet available in their city.

By purchasing EOT, truly anyone can be part of the ELOOP community and strengthen sustainable sharing models in the mobility sector in the process. The demand is proven: In our community survey on Instagram, 32 percent said they were token holders without also being car sharing users.

Survey Token Holder Carsharing User

Register here for our car sharing service.

Build passive income with EOT

The ELOOP ONE token is the world’s first security token that allows everyone to participate in the revenues of a car sharing fleet. Unlike conventional financial products, there is a real asset behind every ELOOP ONE token.

What is unique about this form of investment is that revenue sharing takes place in real time. Everyone who owns ELOOP ONE tokens earns money immediately through the revenue generated from rides. The profit from the rides is automatically split 50/50 between ELOOP and the token holders. With the purchase of EOT, anyone can thus build up a passive income.

Survey Token Holder Cryptocurrencies

EOT as a sustainable investment

The ELOOP ONE token is an innovative green investment opportunity. Token holders support sustainable mobility solutions in cities through their investment.

EOT strengthens car sharing as an alternative to private cars

The more cars are tokenized, the better we can expand our service. Through a growing ELOOP car sharing fleet, we can offer an increasingly attractive alternative to the private car, which is often used far too infrequently. By sharing capacities, we also reduce resource consumption in the area of mobility and increase resource efficiency.

The trend in the area of mobility has long been towards using rather than owning. Younger generations in particular want to drive cars first and foremost instead of maintaining them. The EOT helps to further establish the car sharing service and increase ELOOP’s positive impact in the sharing economy.

EOT strengthens electromobility

In addition, the entire ELOOP fleet consists of purely electrically powered vehicles. The e-cars are charged in Vienna with 100% green electricity.

Further advantages for EOT holders

  • Real countervalue: In contrast to a usually highly speculative financial product, there is a real asset behind the ELOOP ONE token. The tokenized cars of the ELOOP fleet continuously generate sales and thus also bring money into the pockets of token holders.
  • Flexible cashout: Token holders benefit from a flexible cashout: They can either convert the sales into driving credits or have them paid out in euros.
  • 100% transparency: The Token Holder Dashboard guarantees 100 percent transparency and allows you to view all important data. The breakdown of turnover and profits from the journeys can also be viewed in real time in the dashboard.
  • Free driving credits: When you buy EOTs, you also get credits in the form of driving credits for free. The number of credits depends on the amount of EOTs purchased.

Token Supply: How many cars are already tokenized?

The ELOOP ONE token was first offered for sale in August 2020. There have been a total of 4 sales so far, in which 935,000 ЕОТ have been sold. This corresponds to 11 tokenized Tesla.

You are still undecided whether the EOT is a good opportunity for you to invest sustainably? You can get more information here.

EOT the 2nd round is finally on!

EOT

If you’re not familiar with this acronym yet, you probably missed our token sale last year.
EOT stands for ELOOP ONE TOKEN. With this, anyone can participate in the revenues of our carsharing cars.

Tokenized fleet

The in-house cryptocurrency, or “EOT” for short, was offered for sale publicly for the first time in August 2020. In the process, ELOOP was able to sell 240,000 tokens in less than ten weeks, which was equivalent to 240,000 euros. The number of tokens offered is based on the fleet where the revenue share takes place. At the first token sale, this “tokenized” fleet consisted of four BMW i3s. Now the ELOOP Tesla are included and new tokens are offered online.

Token packages

After the wish was expressed by quite a few users to also offer smaller investment packages, we have lowered the minimum amount from 250 tokens to 100 tokens.
Due to tax reasons, the EOT can only be purchased in pre-made packages. These packages are 100, 250, 500, 1,000, 1,500, 2,000, 3,000 and 4,500 tokens and can be purchased directly from the ELOOP ONE dashboard. For larger investments, it is necessary to fill out a subscription form in advance, which can also be found in the dashboard.

ELOOP is growing constantly

During the last few months, a lot has happened in general:
ELOOP has grown despite the Corona crisis. We have massively increased the Tesla share in our fleet and our team has grown.
Our Telegram community also already has over 370 members, who are regularly fed news and information by us and also exchange information with each other.

One of our first token holders agreed to give us a short statement about the EOT:

Florian

ELOOP ONE: What makes us different from other blockchain projects?
Florian: It offers the possibility of participation in carsharing revenues and all data can be viewed transparently in the dashboard. The team maintains great communication with the community and also includes them in surveys and feedback rounds. The support also works great.

ELOOP ONE: Why did you buy the EOT?
Florian: To be able to participate in this ingenious StartUp, to become a part of electromobility and of course to contribute to environmental protection.

ELOOP ONE: Will you buy tokens again at this sale?
Florian: Yes! Definitely.

ELOOP ONE: How did you hear about ELOOP ONE?
Florian: Through an ad on Facebook.

ELOOP ONE: And where do you see potential for improvement?
Florian: I hope that ELOOP will soon offer more vehicles and also more tokens. An expansion of the business area and more payment options for the car sharing service would also be desirable.

EOT tokenized Tesla

One thing we can confirm: Our ELOOP fleet will soon be increased by a lot.

The first token sale has finally ended #1

240,000 ELOOP ONE token sold

After 89 days and over 300 token holders, we have achieved our goal. 240,000 ELOOP ONE token were sold over less than three months and thus one month before the end of the term. The last EOT were sold on the morning of November 23rd. The first token sale is now over.

First token sale

4 BMW i3 completely tokenized

In the first token sale, the tokenized fleet consisted of 4 BMW i3s. Since the beginning of the ELOOP ONE Token Sale, sales have been € 10,588. Costs like insurance, energy, service and parking fees amounted to € 5867. The profit was € 4721, half of it went to the token holder. These values ​​can all be viewed completely transparently via the ELOOP ONE dashboard, as can the journeys of the tokenized BMWs.

Driving credits included

With every token purchase, ELOOP driving credits were also given away, which can be used for the car sharing service. These credits have decreased in percentage over the last few weeks. In the first two weeks, you could secure up to € 1800 travel credits, and in the end it was up to € 1200.

Whats next?

The next token sale starts soon and then with several Tesla Model 3s.

You can join our Telegram group for regular updates, exchanges with other ELOOP ONE token holders and also buying & selling token. We already have over 170 members there.

ELOOP ONE: 3 weeks review

It is August 27th, 5:59 pm.

The info that our new project has finally started, is published on social media. The ELOOP ONE Token.

Quite excited and full of anticipation, we check the emails and inquiries at 6 p.m. Something is actually happening. We see the first registrations, the first comments, reactions and messages trickle into Facebook, Instagram and LinkedIn. Our own in-house channels run hot – until late in the evening.

The first day comes to an end with over 20,000 token sold. Over the next few days, more and more people are registering, which leads to more and more token holders. We get thoroughly positive feedback and are mentioned in magazines, blog posts and news.

Three weeks later we want to give you an insight into the current figures. The following dates amount to the period 27.8.-17.9.

FACTS

  • 78050 tokens sold
  • 102 token holder
  • 110 trips
  • € 1650 profit

All in all, from August 27th to September 17th 32.52% of the tokens already sold. The four tokenized BMW i3s were used for 110 trips during the period, generating a profit of € 1,650. The ELOOP ONE community has grown to 102 token holders within the first 3 weeks.

Token Holder Example

With an investment of € 2000 (corresponds to 2000 tokens), an increase of € 7.90 was achieved within the last three weeks. In addition to purchasing a token, you also received travel credit for the ELOOP car sharing service worth € 240. With these credits, you can drive a BMW i3 for up to 3 days free of charge.

ELOOP ONE Dashboard

If you want to know more about the EOT https://eloop.one/

If you want to secure EOT https://dashboard.eloop.one/dashboard

If you want to join our ELOOP ONE Community Channel https://t.me/eloopone

Addendum: Since September 18. are sold more than ⅓ of the EOT!


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