Transparency is one of our core values at Cooler Future. To practice what we preach, let's dive a bit deeper into our business model and how we provide a professional and secure way to invest while supporting climate impact.
Your account will be managed by Baader Bank, our trusted banking partner which is supervised by the German Federal Financial Authority (BaFin).
If you invest with Cooler Future, your investments are always yours and yours alone. Legally, it is considered a separate asset and is therefore protected from the insolvency of Baader Bank or Cooler Future.
What's yours is yours. Only you can sell or transfer your securities.
Money can only be withdrawn from your linked reference account.
Your cash is protected up to 100,000€ by European law while investments are held in custody for you.
In order to ensure that we can uphold our high standards of openness and climate impact reporting, we finance ourselves by charging a small management fee.
To keep it simple and fair, there are no output markups, depot fees or issue surcharges when investing with Cooler Future.
Ongoing charges are annual costs associated with running a mutual fund. These encompass the fund's management fee, service or custody fees and other professional fees. Ongoing charges are usually based on the costs over the last calendar year and may vary from year to year. The ongoing charges are automatically counted in the investment performance.
The issue surcharges are additional costs that are payed by the buyer once when investing in funds or other assets.
They are usually used as compensation for consultancy or sales services by the provider of the fund.
When investing 1000€ with an issue surcharge of 5%, you would only receive funds shares worth 950€ as 50€ would go directly to the provider.
There’s no one single solution to climate change. But with sustainable investing, we can all do our part. How? By redirecting your investments to companies that protect the natural world and build solutions for the future, you can support the world towards its transition to a green economy. Learn more here.
To make sure your investments are handled with the utmost care, each fund charges a management fee plus some additional expenses, such as legal fees, auditor fees, and other operational expenses, adding up to the total costs of each fund. As the total costs are different for each fund, please refer to the Documents & Costs section of each fund on our website to see the respective costs.
It usually takes 4-7 business days for a transaction to be completed. Learn more here.
Cooler Future aims to provide returns while creating a positive impact on climate change. Here are a few reasons why you can trust us: we have an experienced team; we're transparent about our metrics; we partner up with top companies in the financial industry; and we take data security very seriously. Learn more here.