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The first step is always the most difficult, but today more than ever – in a context of low yields and rising inflation – a small change is needed in the management of one’s savings. The current accounts of Italians have reached record levels of liquidity and inflation is eroding the purchasing power of the sums set aside day after day. Taking the decisive step towards the world of investments is often seen as an impervious obstacle for those who are not financial experts and for this reason the choice of having the right toolbox that makes the big leap easy is a winner in this step.
With this in mind, Buddybank has made available to its customers Steppy by Moneyfarm, an easy, accessible and sustainable investment solution via app. It is a Wealth Management service dedicated to those who have a buddybank account, created exclusively by Moneyfarm, a leading company in asset management with a digital approach, which manages portfolios by leveragingasset allocation recommended by BlackRock, optimized based on ESG metrics. The goal is to allow customers to have careful and adequate management at their disposal, i.e. an investment in line with the objectives and risk profile of the individual investor.
A service designed for the new generations, and beyond, in order to help them investing even small savings in a simple way with adequate risks. An investment solution that rests on foundations such as diversification, being completely digital and competitive costs.
Step by step
Steppy has been designed to meet even those who are not investment experts and want to give more value to their savings by taking one step at a time.
In fact, Steppy offers the possibility to invest gradually, relying on an expert manager. 2,500 euros are enough to start the investment and at any time it is possible to activate a monthly accumulation plan or add capital to the chosen investment line. The Capital Accumulation Plan (PAC) can start at just € 100 per month.
It is also a smart solution to orient yourself towards the future in a careful and responsible way as Steppy is a investment service that also respects environmental, social and governance (ESG) criteria, thanks to the experience and expertise of BlackRock, a global company at the forefront of sustainable transition. Steppy therefore allows you to invest with a focus on sustainability with asset allocation that is optimized on the basis of ESG metrics.
Millennials increasingly digital and sustainable
Steppy is characterized by being a fully digital smartphone investment offer. According to the EY Global Wealth Research Report – research that measures changes in the expectations of savers on services and the modalities of the relationship with wealth managers – during the pandemic, investors have intensified the use of technology exponentially and this has led to a permanent change. in their choices. In particular, the Millennials (those born between 1981 and 1996), revealed that in the future it intends to use more and more digital investment tools. In the same way, sensitivity for ESG investments has grown a lot: the same research, in fact, finds that 83% of Millennials have specific sustainability goals and almost one in three believe that their wealth manager could do more to understand them. fully.
How to activate Steppy and the pillars of the management strategy
To activate this asset management service, just a few steps through the buddybank app are enough. The onboarding is totally digital and the customer, after filling out a short MiFID questionnaire, can define your investment objectives independently or with the support of a Moneyfarm consultant.
The simplicity of the offer stands out among the pillars of Steppy’s management strategy. There are 5 highly diversified and increasing risk profile portfolios, managed by Moneyfarm using ETFs as underlying instruments. Added to this is the flexibility as it is possible to increase the investment at any time and no time constraints or penalties in case of exit.
A service that can be managed in a simple and intuitive way from the buddybank App. For all commercial information, the buddybank concierge, available 24/7, for product advice there is a Moneyfarm consultant available.
Disclaimer:
Buddybank sponsored content the UniCredit service model for smartphones only. Steppy is managed by Moneyfarm and uses an advisory service provided by BlackRock. BlackRock does not provide any services or products directly to the end customer. Before joining, carefully read the Agreement governing the Steppy service. For the contractual conditions of buddybank products consult the Information documents on www.buddybank.com, www.unicredit.it and in the app. Account reserved for adults and residents in Italy with iPhone iOS 12.0 or higher and smartphone with Android 7 or higher operating system. The account cannot be jointly held and does not provide for proxies. Products sold by UniCredit SpA which reserves the right to evaluate the requisites necessary for the opening of relationships.