{"id":29055,"date":"2024-08-22T05:47:49","date_gmt":"2024-08-22T05:47:49","guid":{"rendered":"https:\/\/sustain-ed.eu\/?page_id=29055"},"modified":"2025-03-05T14:22:24","modified_gmt":"2025-03-05T14:22:24","slug":"desenvolupar-una-cartera-personal-disr","status":"publish","type":"page","link":"https:\/\/sustain-ed.eu\/ca\/desenvolupar-una-cartera-personal-disr\/","title":{"rendered":"Desenvolupar una cartera personal d\u2019ISR"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"29055\" class=\"elementor elementor-29055 elementor-21739\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f47f196 e-flex e-con-boxed sc_layouts_column_icons_position_left wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"f47f196\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fce31d7 elementor-widget__width-initial sc_fly_static elementor-widget elementor-widget-trx_sc_title\" data-id=\"fce31d7\" data-element_type=\"widget\" data-widget_type=\"trx_sc_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div\t\tclass=\"sc_title sc_title_accent\" ><span class=\"sc_item_subtitle sc_title_subtitle sc_item_subtitle_above sc_item_title_style_accent sc_item_subtitle_with_custom_color trx_addons_inline_1581770602\">Tem\u00e0tica de la webquest: Finances sostenibles<\/span><h2 class=\"sc_item_title sc_title_title sc_item_title_style_accent\"\n\t\t\t><span class=\"sc_item_title_text\">Desenvolupar una cartera personal d\u2019ISR<\/span><\/h2><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89e1ed6 e-flex e-con-boxed sc_layouts_column_icons_position_left wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"89e1ed6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fde0d37 elementor-widget__width-initial sc_fly_static elementor-widget elementor-widget-image\" data-id=\"fde0d37\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"700\" height=\"700\" src=\"https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-1.webp\" class=\"attachment-full size-full wp-image-21744\" alt=\"\" srcset=\"https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-1.webp 700w, https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-1-300x300.webp 300w, https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-1-150x150.webp 150w, https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-1-370x370.webp 370w, https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-1-120x120.webp 120w, https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-1-410x410.webp 410w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6af3f28 wpr-feature-list-left wpr-feature-list-square wpr-feature-list-line-yes sc_fly_static elementor-widget elementor-widget-wpr-feature-list\" data-id=\"6af3f28\" data-element_type=\"widget\" data-widget_type=\"wpr-feature-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wpr-feature-list-wrap\"><ul class=\"wpr-feature-list\"><li class=\"wpr-feature-list-item elementor-repeater-item-a430942\"><div class=\"wpr-feature-list-icon-wrap\"><span class=\"wpr-feature-list-line\"><\/span><div class=\"wpr-feature-list-icon-inner-wrap\"><i aria-hidden=\"true\" class=\"fas fa-book-open\"><\/i><\/div><\/div><div class=\"wpr-feature-list-content-wrap\"><h2 class=\"wpr-feature-list-title\"><a class=\"wpr-feature-list-url\" target=\"_blank\" rel=\"nofollow\">Coneixements<\/a><\/h2><p class=\"wpr-feature-list-description\"><ul style=\"list-style-type: square\">\n<li style=\"font-size: 0.8em;line-height: 1.5\">Principis fonamentals de la inversi\u00f3 socialment responsable (ISR).<\/li>\n<li style=\"font-size: 0.8em;line-height: 1.5\">La import\u00e0ncia dels criteris ambientals, socials i de governan\u00e7a (ASG) en l\u2019avaluaci\u00f3 de les inversions.<\/li>\n<li style=\"font-size: 0.8em;line-height: 1.5\">Diferents estrat\u00e8gies dins de la ISR, incloent-hi el cribratge negatiu, el cribratge positiu i la inversi\u00f3 d\u2019impacte.<\/li>\n<li style=\"font-size: 0.8em;line-height: 1.5\">Classes d\u2019actius i com es poden incorporar a una cartera d\u2019ISR.<\/li>\n<\/ul><\/p><\/div><\/li><li class=\"wpr-feature-list-item elementor-repeater-item-0a26ef8\"><div class=\"wpr-feature-list-icon-wrap\"><span class=\"wpr-feature-list-line\"><\/span><div class=\"wpr-feature-list-icon-inner-wrap\"><i aria-hidden=\"true\" class=\"fas fa-brain\"><\/i><\/div><\/div><div class=\"wpr-feature-list-content-wrap\"><h2 class=\"wpr-feature-list-title\"><a class=\"wpr-feature-list-url\" target=\"_blank\" rel=\"nofollow\">Compet\u00e8ncies<\/a><\/h2><p class=\"wpr-feature-list-description\"><ul style=\"list-style-type: square\">\n<li style=\"font-size: 0.8em;line-height: 1.5\">Fer una recerca exhaustiva sobre els principis de la ISR i les inversions potencials.<\/li>\n<li style=\"font-size: 0.8em;line-height: 1.5\">Avaluar les inversions en funci\u00f3 dels seus resultats en mat\u00e8ria d\u2019ASG, valent-se de criteris com la sostenibilitat ambiental, les iniciatives socials i les pr\u00e0ctiques de governan\u00e7a.<\/li>\n<li style=\"font-size: 0.8em;line-height: 1.5\">Avaluar la toler\u00e0ncia al risc del client i els objectius financers.<\/li>\n<li style=\"font-size: 0.8em;line-height: 1.5\">Desenvolupar una cartera d\u2019inversi\u00f3 equilibrada i diversificada que s\u2019alinea amb els principis de la ISR.<\/li>\n<\/ul><\/p><\/div><\/li><li class=\"wpr-feature-list-item elementor-repeater-item-269dcd1\"><div class=\"wpr-feature-list-icon-wrap\"><span class=\"wpr-feature-list-line\"><\/span><div class=\"wpr-feature-list-icon-inner-wrap\"><i aria-hidden=\"true\" class=\"fas fa-burn\"><\/i><\/div><\/div><div class=\"wpr-feature-list-content-wrap\"><h2 class=\"wpr-feature-list-title\"><a class=\"wpr-feature-list-url\" target=\"_blank\" rel=\"nofollow\">Responsabilitat i autonomia<\/a><\/h2><p class=\"wpr-feature-list-description\"><ul style=\"list-style-type: square\">\n<li style=\"font-size: 0.8em;line-height: 1.5\">Assumir la responsabilitat de desenvolupar una cartera d\u2019inversi\u00f3 \u00e8tica que s\u2019aline\u00ef amb els valors i objectius d\u2019un client.<\/li>\n<li style=\"font-size: 0.8em;line-height: 1.5\">Independ\u00e8ncia en la presa de decisions i gesti\u00f3 de carteres, garantint l\u2019alineaci\u00f3 tant amb els objectius financers com amb els est\u00e0ndards \u00e8tics.<\/li>\n<li style=\"font-size: 0.8em;line-height: 1.5\">Liderar iniciatives per promoure finances sostenibles i pr\u00e0ctiques d\u2019inversi\u00f3 responsable.<\/li>\n<\/ul><\/p><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5560ee e-flex e-con-boxed sc_layouts_column_icons_position_left wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"d5560ee\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8739576 e-con-full e-flex sc_layouts_column_icons_position_left wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"8739576\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58cfb6f wpr-advanced-accordion-icon-side-box sc_fly_static elementor-widget elementor-widget-wpr-advanced-accordion\" data-id=\"58cfb6f\" data-element_type=\"widget\" data-settings=\"{&quot;active_item&quot;:1}\" data-widget_type=\"wpr-advanced-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"wpr-advanced-accordion\" data-accordion-type=\"accordion\" data-active-index=\"1\" data-accordion-trigger=\"click\" data-interaction-speed=\"0.4\">\n\n\t\t\t\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-bookmark\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">INTRODUCCI\u00d3<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>Et donem la benvinguda a la webquesta \u00abDesenvolupament d\u2019una cartera personal d\u2019ISR\u00bb. <strong>Endinsa\u2019t en el viatge de crear una cartera d\u2019ISR (inversi\u00f3 socialment responsable) pr\u00f2pia a trav\u00e9s d\u2019aquesta webquesta.<\/strong><\/p><p>En un moment en qu\u00e8 el m\u00f3n dona prioritat a la sostenibilitat i la responsabilitat, el sector financer tamb\u00e9 est\u00e0 canviant per reflectir aquests principis. La inversi\u00f3 amb consci\u00e8ncia, coneguda com a inversi\u00f3 socialment responsable o ISR, s\u2019ha convertit en un m\u00e8tode poder\u00f3s perqu\u00e8 les persones procurin que els seus diners tinguin una rendibilitat ajustada a les pr\u00f2pies creences. I \u00e9s que la ISR ajuda a impulsar canvis positius en la societat i el medi ambient alhora que s\u2019obtenen beneficis.<\/p><p>Al llarg d\u2019aquest viatge de descobriment en l\u00ednia, aprofundir\u00e0s en conceptes clau com ara criteris ambientals, socials i de governan\u00e7a (ASG). Tamb\u00e9 explorar\u00e0s diverses maneres d\u2019invertir responsablement, com ara evitant determinades empreses (cribratge negatiu), triant les que ho fan b\u00e9 (cribratge positiu) i posant els diners all\u00e0 on es pugui marcar una difer\u00e8ncia real (inversi\u00f3 d\u2019impacte).<\/p><p>Cal que avalu\u00efs fins a quin punt les opcions d\u2019inversi\u00f3 potencial s\u00f3n ecol\u00f2giques i \u00e8tiques. L\u2019objectiu \u00e9s que construeixis una cartera diversificada que reflecteixi el teu comprom\u00eds amb la inversi\u00f3 responsable. La cartera demostrar\u00e0 la teva capacitat d\u2019integrar la sostenibilitat en les decisions d\u2019inversi\u00f3 i et preparar\u00e0 per convertir-te en un inversor m\u00e9s informat i responsable en el creixent camp de les finances sostenibles.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-square\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">TASCA<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>Imagina\u2019t que ets un assessor financer especialitzat en inversions sostenibles i un client que pret\u00e9n marcar la difer\u00e8ncia amb els seus diners busca la teva expertesa. El seu objectiu \u00e9s construir una cartera d\u2019inversions que sigui socialment responsable i alhora compleixi els seus objectius financers. Heu d\u2019elaborar plegats un pla d\u2019inversi\u00f3 molt ben pensat que se centri en inversions socialment responsables.<br \/><br \/>En primer lloc, explica al teu client qu\u00e8 \u00e9s la inversi\u00f3 socialment responsable (ISR) i per qu\u00e8 \u00e9s important. A continuaci\u00f3, identifica i avalua unes quantes opcions d\u2019inversi\u00f3 considerant la seva influ\u00e8ncia en la societat i el medi ambient aplicant els est\u00e0ndards ASG (ambientals, socials i de governan\u00e7a). Pregunta al client quin risc est\u00e0 disposat a assumir i qu\u00e8 pret\u00e9n aconseguir amb les seves inversions. Crea una cartera equilibrada i diversificada que inclogui diferents tipus d\u2019actius, i tria almenys cinc inversions diferenciades per mantenir un equilibri i garantir la varietat. Finalment, proporciona un raonament detallat per a cada elecci\u00f3 d\u2019inversi\u00f3 i explica de quina manera compleix els principis ISR i els criteris d\u2019ASG. Comenta els rendiments financers i socials esperats, aix\u00ed com els riscos que hi ha associats. Presenta les teves conclusions i recomanacions en un informe exhaustiu que el teu client pugui revisar i aprovar.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-bezier-curve\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">PROC\u00c9S<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>Segueix aquests passos per crear una cartera d\u2019inversi\u00f3 integral i socialment responsable per al teu client:<\/p><p><strong>Pas 1: Investiga sobre els principis i la import\u00e0ncia de la ISR<\/strong><\/p><p>Aix\u00ed podr\u00e0s explicar-ne la import\u00e0ncia al teu client d\u2019una manera efica\u00e7. Utilitza bases de dades acad\u00e8miques com ara <a href=\"https:\/\/scholar.google.com\/\">Google Scholar<\/a> i <a href=\"https:\/\/www.researchgate.net\/\">ResearchGate<\/a> per trobar recerques i articles sobre la ISR. Addicionalment, explora llocs web financers i plataformes especialitzades en ISR, com ara <a href=\"https:\/\/www.msci.com\/sustainable-investing\/esg-ratings\">MSCI ASG<\/a>. Aquests coneixements b\u00e0sics et permetran comunicar efica\u00e7ment els beneficis i les estrat\u00e8gies de la ISR al client, a fi que comprengui l\u2019impacte positiu que les seves inversions poden tenir en la societat i el medi ambient.<\/p><p><strong>Pas 2: Familiaritza\u2019t amb els criteris ambientals, socials i de governan\u00e7a (ASG)<\/strong><\/p><p>Aquestes s\u00f3n les bases de la ISR. La comprensi\u00f3 d\u2019aquests criteris \u00e9s crucial per avaluar les inversions en funci\u00f3 de la seva sostenibilitat i les pr\u00e0ctiques \u00e8tiques. Pots explorar els <a href=\"https:\/\/www.unpri.org\/\">Principis de l\u2019ONU per a la Inversi\u00f3 Responsable (PRI)<\/a> i els est\u00e0ndards de la <a href=\"https:\/\/www.globalreporting.org\/standards\/\">Global Reporting Initiative (GRI)<\/a>. Estudia les normes del <a href=\"https:\/\/sasb.ifrs.org\/\">Sustainability Accounting Standards Board (SASB)<\/a>, que proporcionen orientacions espec\u00edfiques del sector sobre temes d\u2019ASG.<\/p><p><strong>Pas 3: Avalua els objectius d\u2019inversi\u00f3 del client i la seva toler\u00e0ncia al risc<\/strong><\/p><p>Per crear una cartera d\u2019inversi\u00f3 personalitzada d\u2019ISR, \u00e9s crucial con\u00e8ixer els objectius financers del client i la seva toler\u00e0ncia al risc, de manera que cal dur a terme una avaluaci\u00f3 de riscos per determinar-los. Cal saber quins prop\u00f2sits t\u00e9: per exemple estalviar per a la jubilaci\u00f3, comprar-se una casa o finan\u00e7ar l\u2019educaci\u00f3 d\u2019un fill.<\/p><p><u>Avaluaci\u00f3 de riscos:<\/u><\/p><ul style=\"list-style-type: square;\"><li>Cal parlar amb el client i demanar-li com ha reaccionat en el passat davant de canvis en el mercat financer i quines s\u00f3n les seves prefer\u00e8ncies de risc per a la rendibilitat.<\/li><li>Pots fer servir q\u00fcestionaris d\u2019avaluaci\u00f3 de riscos que hi ha disponibles en plataformes d\u2019inversi\u00f3.<\/li><\/ul><ol><li><a href=\"https:\/\/www.ecb.europa.eu\/pub\/pdf\/fsr\/art\/ecb.fsrart200706_04.en.pdf\">Banc Central Europeu<\/a><\/li><li><a href=\"https:\/\/investor.vanguard.com\/tools-calculators\/investor-questionnaire\">Vanguard<\/a><\/li><\/ol><p>A continuaci\u00f3, has d\u2019analitzar els resultats del q\u00fcestionari per determinar si el teu client t\u00e9 aversi\u00f3 al risc, \u00e9s neutral davant del risc o busca riscos.<\/p><p><u>Objectius financers:<\/u><\/p><ul style=\"list-style-type: square;\"><li>Identificar objectius a curt termini, \u00e9s a dir, objectius amb un horitz\u00f3 temporal inferior a cinc anys, com estalviar per fer un pagament inicial d\u2019una casa o comprar-se un cotxe, que requereixen un enfocament d\u2019inversi\u00f3 conservador.<\/li><li>Identificar objectius a llarg termini, \u00e9s a dir, objectius amb un horitz\u00f3 temporal de m\u00e9s de cinc anys, com ara la jubilaci\u00f3, que requereixen una toler\u00e0ncia m\u00e9s alta al risc per aconseguir rendibilitats potencialment superiors.<\/li><li>Determinar les necessitats i fites que el client vol assolir, com finan\u00e7ar l\u2019educaci\u00f3 universit\u00e0ria d\u2019un fill o jubilar-se a una certa edat.<\/li><\/ul><p><strong>Pas 4: Identificar les inversions potencials<\/strong><\/p><p>Investiga i identifica una llista de possibles inversions que compleixin els criteris d\u2019ISR, incloent-hi accions, bons, fons d\u2019inversi\u00f3 i ETF.<\/p><ul style=\"list-style-type: square;\"><li>Comen\u00e7a compilant una llista diversa d\u2019opcions d\u2019inversi\u00f3 entre diferents classes d\u2019actius. Hauria d\u2019incloure accions individuals, bons, fons d\u2019inversi\u00f3 i ETF, coneguts pel seu fort comprom\u00eds amb els principis ASG (ambientals, socials i de governan\u00e7a).<\/li><li>Utilitza eines de cribratge disponibles a les plataformes d\u2019inversi\u00f3 per filtrar les inversions basades en criteris ASG.<\/li><li>Fes servir eines d\u2019an\u00e0lisi financera i plataformes com ara <a href=\"https:\/\/www.bloomberg.com\/\">Bloomberg<\/a>, <a href=\"https:\/\/www.morningstar.com\/\">Morningstar<\/a> o <a href=\"https:\/\/finance.yahoo.com\/\">Yahoo Finance<\/a> per avaluar inversions potencials. Poden proporcionar informes detallats sobre l\u2019impacte ambiental de les empreses, aix\u00ed com les iniciatives de responsabilitat social, les pr\u00e0ctiques de governan\u00e7a o les qualificacions de sostenibilitat, que mesuren com de b\u00e9 gestionen les q\u00fcestions ASG les empreses i els fons.<\/li><\/ul><p><strong>Pas 5: Avaluar les inversions mitjan\u00e7ant criteris ASG<\/strong><\/p><p>Avalua cada inversi\u00f3 identificada en funci\u00f3 del seu impacte social i ambiental valent-te de criteris ASG. Estudia els resultats en mat\u00e8ria de sostenibilitat de cada inversi\u00f3 tenint en compte factors com les pol\u00edtiques de sostenibilitat ambiental, les iniciatives socials, el comprom\u00eds comunitari i les pr\u00e0ctiques de governan\u00e7a.<\/p><p><u>Pol\u00edtiques de sostenibilitat ambiental<\/u><\/p><ul style=\"list-style-type: square;\"><li>Examina els esfor\u00e7os de la companyia per reduir les emissions de gasos d\u2019efecte hivernacle i la seva petjada de carboni global.<\/li><li>Avalua com gestiona l\u2019empresa els recursos naturals, incloent-hi l\u2019\u00fas d\u2019aigua, la reducci\u00f3 de residus, els programes de reciclatge i el prove\u00efment sostenible de mat\u00e8ries primeres.<\/li><li>Consulta si disposa de certificacions com la ISO 14001 (sistema de gesti\u00f3 ambiental), que mostren el comprom\u00eds de l\u2019empresa amb les millors pr\u00e0ctiques ambientals.<\/li><\/ul><p><u>Iniciatives socials<\/u><\/p><ul style=\"list-style-type: square;\"><li>Avalua les pr\u00e0ctiques laborals de l\u2019empresa, incloent-hi uns salaris justos, unes condicions de treball segures, diversitat i pol\u00edtiques d\u2019inclusi\u00f3.<\/li><\/ul><p><u>Participaci\u00f3 de la comunitat<\/u><\/p><ul style=\"list-style-type: square;\"><li>Fixa\u2019t en la implicaci\u00f3 de l\u2019empresa en el desenvolupament comunitari i la filantropia.<\/li><\/ul><p><u>Pr\u00e0ctiques de governan\u00e7a<\/u><\/p><ul style=\"list-style-type: square;\"><li>Examina la diversitat i la independ\u00e8ncia del consell d\u2019administraci\u00f3 de la companyia. Un consell divers, amb membres independents, proporcionar\u00e0 amb m\u00e9s probabilitat una supervisi\u00f3 efectiva i reduir\u00e0 el risc de conflictes d\u2019interessos.<\/li><li>Avalua la transpar\u00e8ncia de l\u2019empresa a l\u2019hora d\u2019informar del seu rendiment financer i no financer, incloent-hi els informes de sostenibilitat i les divulgacions ASG.<\/li><\/ul><p>Despr\u00e9s de prendre nota de l\u2019anterior, empra les qualificacions ASG de fonts com ara <a href=\"https:\/\/www.msci.com\/sustainable-investing\/esg-ratings\">MSCI<\/a> i <a href=\"https:\/\/connect.sustainalytics.com\/esg-risk-rating-sample-report\">Sustainalytics<\/a> per obtenir una avaluaci\u00f3 exhaustiva dels resultats ASG de cada empresa.<\/p><p><strong>Pas 6: Crea la cartera<\/strong><\/p><p>Fes una cartera ISR equilibrada i diversificada.<\/p><ul style=\"list-style-type: square;\"><li>Assegura\u2019t que la cartera inclogui almenys cinc inversions diferents per garantir una certa diversitat i equilibri.<\/li><li>Assigna les inversions entre diverses classes d\u2019actius per minimitzar el risc i maximitzar els rendiments potencials. Alinea l\u2019assignaci\u00f3 d\u2019actius amb els objectius financers del client, com ara la generaci\u00f3 d\u2019ingressos, la preservaci\u00f3 del capital o el creixement.<\/li><li>Tria una combinaci\u00f3 de valors de gran capitalitzaci\u00f3, mitjana capitalitzaci\u00f3 i petita capitalitzaci\u00f3 d\u2019empreses amb qualificacions ASG s\u00f2lides.<\/li><li>Inclou bons verds o altres valors de renda fixa socialment responsables.<\/li><li>Selecciona fons d\u2019inversi\u00f3 i ETF centrats en la ISR que ofereixin una exposici\u00f3 diversificada a m\u00faltiples empreses i sectors.<\/li><li>Evita la concentraci\u00f3 excessiva en un \u00fanic sector i distribueix les inversions en diverses ind\u00fastries, com la tecnologia, la salut, les energies renovables i els b\u00e9ns de consum.<\/li><li>Inclou inversions internacionals per diversificar-les geogr\u00e0ficament i mitigar els riscos associats a les recessions econ\u00f2miques nacionals.<\/li><\/ul><p><strong>Pas 7: Per a cada inversi\u00f3 de la cartera, proporciona un raonament detallat que n\u2019expliqui la tria<\/strong><\/p><p>Explica com compleix cada inversi\u00f3 els principis d\u2019ISR i els criteris ASG. Anota l\u2019impacte social i ambiental esperat, els rendiments financers potencials i els riscos associats. Assegura\u2019t que el raonament sigui clar i justificable davant del client.<\/p><p><strong>Pas 8: Presenta la cartera al client<\/strong><\/p><p>Elabora un informe complet on presentis els teus descobriments i les teves recomanacions de manera clara i professional. Organitza l\u2019informe per seccions per a cadascun dels passos exposats anteriorment, incloent-hi explicacions detallades, an\u00e0lisis i dades de suport. Empra eines de creaci\u00f3 de documents, com Microsoft Word o Google Docs.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-list-alt\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">RECURSOS<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p><strong>Investigaci\u00f3 i aprenentatge<\/strong><\/p><ul style=\"list-style-type: square;\"><li><a href=\"https:\/\/www.investopedia.com\/terms\/s\/sri.asp\">Inversi\u00f3 socialment responsable (ISR) Definici\u00f3<\/a><\/li><li><a href=\"https:\/\/www.gsi-alliance.org\/members-resources\/gsir2022\/\">\u00abGlobal Sustainable Investment Review 2022\u00bb | GSIA<\/a><\/li><\/ul><p><strong>Comprendre els criteris ASG<\/strong><\/p><ul style=\"list-style-type: square;\"><li><a href=\"https:\/\/www.unpri.org\/\">Principis de l\u2019ONU per a la Inversi\u00f3 Responsable (PRI)<\/a><\/li><li><a href=\"https:\/\/www.globalreporting.org\/standards\/\">Est\u00e0ndards de la Global Reporting Initiative (GRI)<\/a><\/li><li><a href=\"https:\/\/greenly.earth\/en-us\/blog\/company-guide\/esg-criteria-what-you-need-to-know\">\u00abESG criteria: what you need to know\u00bb (Greenly)<\/a><\/li><li><a href=\"https:\/\/www.imd.org\/blog\/sustainability\/esg-environmental-social-and-governance\/\">\u00abESG: environmental, social, &amp; governance investing explained\u00bb (IMD)<\/a><\/li><\/ul><p><strong>Avaluar els objectius d\u2019inversi\u00f3 i la toler\u00e0ncia al risc<\/strong><\/p><ul style=\"list-style-type: square;\"><li><a href=\"https:\/\/www.ecb.europa.eu\/pub\/pdf\/fsr\/art\/ecb.fsrart200706_04.en.pdf\">\u00abMeasuring Investors\u2019 Risk Appetite\u00bb - Banc Central Europeu<\/a><\/li><li><a href=\"https:\/\/www.linkedin.com\/pulse\/european-investors-guide-stock-market-investment-financial-james-rz1yc\/\">\u00abA European Investor\u2019s Guide to Stock Market Investment and Financial Freedom\u00bb Raymond James<\/a><\/li><li><a href=\"https:\/\/www.investopedia.com\/articles\/financial-advisors\/051915\/tips-assessing-clients-risk-tolerance.asp\">\u00abTips for Assessing a Client\u2019s Risk Tolerance\u00bb \u2013 Investopedia<\/a><\/li><li><a href=\"https:\/\/investor.vanguard.com\/tools-calculators\/investor-questionnaire\">Q\u00fcestionari de toler\u00e0ncia al risc de Vanguard<\/a><\/li><li><a href=\"https:\/\/www.fidelity.com\/learning-center\/personal-finance\/whats-your-tolerance-for-risk\">Eina d\u2019avaluaci\u00f3 de la toler\u00e0ncia al risc d\u2019inversi\u00f3 de Fidelity<\/a><\/li><\/ul><p><strong>Identificar i avaluar les inversions<\/strong><\/p><ul style=\"list-style-type: square;\"><li><a href=\"https:\/\/www.forbes.com\/sites\/brentbeshore\/2015\/08\/18\/how-i-evaluate-an-investment\/\">\u00abHow To Evaluate An Investment\u00bb (Forbes)<\/a><\/li><li><a href=\"https:\/\/fastercapital.com\/content\/The-Ultimate-Guide-to-Evaluating-Investment-Opportunities.html\">The Ultimate Guide to Evaluating Investment Opportunities (FasterCapital)<\/a><\/li><li><a href=\"https:\/\/www.bloomberg.com\/professional\/solutions\/sustainable-finance\/\">Dades i an\u00e0lisi ASG de Bloomberg<\/a><\/li><li><a href=\"https:\/\/finance.yahoo.com\/\">Yahoo Finance<\/a><\/li><li><a href=\"https:\/\/www.sustainalytics.com\/\">Sustainalytics<\/a><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-comment-dots\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">CONCLUSI\u00d3<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>L\u2019enhorabona per haver completat la webquesta \u00abDesenvolupar una cartera personal d\u2019ISR\u00bb! A trav\u00e9s d\u2019aquest recorregut, has pogut comprendre amb profunditat els principis i les pr\u00e0ctiques de la inversi\u00f3 socialment responsable (ISR). Havent-te endinsat en conceptes clau com els criteris ambientals, socials i de governan\u00e7a (ASG), ara ets capa\u00e7 d\u2019avaluar les inversions tenint en compte el factor de la sostenibilitat. Prenent en consideraci\u00f3 la comoditat del teu client pel que fa al risc i qu\u00e8 espera aconseguir econ\u00f2micament, has pogut trobar diferents inversions socialment responsables que s\u2019ajustessin a all\u00f2 per qu\u00e8 es preocupa i que pret\u00e9n. Amb la teva experi\u00e8ncia en aquest proc\u00e9s, has obtingut una comprensi\u00f3 profunda sobre el tema i has apr\u00e8s a triar les inversions amb \u00e8tica i coneixement. En el futur, segueix advocant per la sostenibilitat i les pr\u00e0ctiques \u00e8tiques en el m\u00f3n de les finances a fi de contribuir positivament a la societat i el medi ambient.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-newspaper\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">RECURSOS ADDICIONALS<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><ul style=\"list-style-type: square;\"><li><a href=\"https:\/\/www.youtube.com\/watch?v=L0DL1A1aG2c\">V\u00eddeo: What Is Socially Responsible Investing, Julius Baer<\/a><\/li><li><a href=\"https:\/\/www.youtube.com\/watch?v=4LPRQaG83Ls\">V\u00eddeo: How ESG Metrics Work And Why All Investors Should Care, Personal Finance Insider<\/a><\/li><li><a href=\"https:\/\/www.youtube.com\/watch?v=D1cI5KFpXRs\">V\u00eddeo: Shaping your ESG &amp; Sustainability Reporting Journey webinar, Goodbody Clearstream<\/a><\/li><li><a href=\"https:\/\/www.youtube.com\/watch?v=miWyDREm4QI\">V\u00eddeo: The Social Impact Show, Getting started with ESG reporting, metrics and measurements<\/a><\/li><li><a href=\"https:\/\/www.ch.vanguard\/content\/dam\/intl\/europe\/documents\/en\/esg-a-primer-for-decision-making-eu-en-pro.pdf\">Recerca: ESG, SRI and impact investing: A primer for decision-making, Vanguard<\/a><\/li><li><a href=\"https:\/\/documents1.worldbank.org\/curated\/en\/677271630474233931\/pdf\/Environmental-Social-and-Governance-Investing-A-Primer-for-Central-Banks-Reserve-Managers.pdf\">Manual: ENVIRONMENTAL, SOCIAL, AND GOVERNANCE INVESTING A Primer for Central Banks\u2019 Reserve Managers, The World Bank Group<\/a><\/li><li><a href=\"https:\/\/www.linkedin.com\/pulse\/creating-esg-friendly-portfolio-find-investment-tips-mittal-cfe-g2m3f\">Article en l\u00ednia: Creating an ESG-friendly portfolio, Aditi Mittal, CFE<\/a><\/li><li><a href=\"https:\/\/fastercapital.com\/startup-topic\/socially-responsible-investing.html\">Article en l\u00ednia: Socially responsible investing<\/a><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-handshake\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">BONES PR\u00c0CTIQUES<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p><strong>Triodos Bank: Una banca sostenible pionera<\/strong><\/p><p>Triodos Bank, amb seu als Pa\u00efsos Baixos, \u00e9s un exemple excel\u00b7lent d\u2019una instituci\u00f3 que ha integrat plenament els principis d\u2019inversi\u00f3 socialment responsable (ISR) en les seves operacions b\u00e0siques. Constitu\u00eft el 1980, el Triodos Bank finan\u00e7a exclusivament empreses i projectes que tenen un impacte positiu en les persones i el medi ambient. L\u2019enfocament de Triodos Bank demostra l\u2019aplicaci\u00f3 pr\u00e0ctica de la inversi\u00f3 \u00e8tica, i el converteix en un model valu\u00f3s per a la comprensi\u00f3 dels beneficis i la implementaci\u00f3 de les finances sostenibles.<\/p><p>Amb el finan\u00e7ament de projectes d\u2019energia renovable i agricultura sostenible, el Triodos Bank redueix considerablement la contaminaci\u00f3 ambiental i promou l\u2019\u00fas de les tecnologies respectuoses amb el medi ambient. A m\u00e9s, l\u2019atenci\u00f3 que el banc posa en l\u2019habitatge social, l\u2019educaci\u00f3 i els projectes culturals millora el benestar social i contribueix a la igualtat social.<\/p><ol><li>El banc aplica criteris estrictes a l\u2019hora de seleccionar inversions. Finan\u00e7a empreses i projectes de diversos sectors, en qu\u00e8 s\u2019inclou l\u2019energia renovable, l\u2019agricultura ecol\u00f2gica, l\u2019habitatge social i les iniciatives culturals.<\/li><li>Cada inversi\u00f3 s\u2019avalua pel seu impacte social i ambiental, a fi de garantir l\u2019alineaci\u00f3 amb la missi\u00f3 del banc de promoure un canvi positiu.<\/li><li>El banc \u00e9s totalment transparent i publica informaci\u00f3 detallada de totes les empreses i projectes que finan\u00e7a. D\u2019aquesta manera, les parts interessades s\u00f3n conscients de com s\u2019usen els seus diners i de l\u2019impacte positiu que produeixen.<\/li><li>El banc participa activament en les comunitats a les quals serveix. Dona suport a les iniciatives locals, fomenta el comprom\u00eds dels grups d\u2019inter\u00e8s i s\u2019assegura que les seves activitats financeres benefici\u00efn la comunitat m\u00e9s \u00e0mplia.<\/li><li>El banc compila informes de sostenibilitat hol\u00edstica d\u2019acord amb els est\u00e0ndards de la Global Reporting Initiative (GRI). Aquests informes descriuen detalladament el seu rendiment, reptes i assoliments ASG, i proporcionen una visi\u00f3 global del seu comprom\u00eds amb les finances sostenibles.<\/li><\/ol><p><span style=\"text-decoration: underline;\">Enlla\u00e7os<\/span>:<\/p><ul style=\"list-style-type: square;\"><li><a href=\"https:\/\/www.triodos.com\/en\/\">Triodos Bank - Web oficial<\/a><\/li><li><a href=\"https:\/\/www.triodos.com\/en\/investor-relations\">Les relacions amb els inversors<\/a><\/li><li><a href=\"https:\/\/www.triodos.com\/en\/investor-relations\/group-performance\">Informes financers i d\u2019impacte<\/a><\/li><li><a href=\"https:\/\/www.triodos.com\/en\/impact-vision\">Impacte en xifres<\/a><\/li><\/ul><p><img decoding=\"async\" class=\"aligncenter size-full wp-image-21755\" src=\"https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-2.webp\" alt=\"\" width=\"656\" height=\"361\" srcset=\"https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-2.webp 656w, https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-2-300x165.webp 300w, https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-2-370x204.webp 370w, https:\/\/sustain-ed.eu\/wp-content\/uploads\/2024\/08\/wq3-1-2-410x226.webp 410w\" sizes=\"(max-width: 656px) 100vw, 656px\" \/><\/p><p style=\"text-align: center;\"><em>Font: https:\/\/www.triodos.com\/en<\/em><\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-479facc e-con-full e-flex sc_layouts_column_icons_position_left wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"479facc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20340275 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"20340275\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Totes les WebQuests<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2434a8d wpr-feature-list-left wpr-feature-list-square wpr-feature-list-line-yes sc_fly_static elementor-widget elementor-widget-wpr-feature-list\" data-id=\"2434a8d\" data-element_type=\"widget\" data-widget_type=\"wpr-feature-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wpr-feature-list-wrap\"><ul class=\"wpr-feature-list\"><li class=\"wpr-feature-list-item elementor-repeater-item-3d0b4cb\"><div class=\"wpr-feature-list-icon-wrap\"><span class=\"wpr-feature-list-line\"><\/span><div class=\"wpr-feature-list-icon-inner-wrap\"><i aria-hidden=\"true\" class=\"fas fa-stream\"><\/i><\/div><\/div><div class=\"wpr-feature-list-content-wrap\"><h4 class=\"wpr-feature-list-title\"><a class=\"wpr-feature-list-url\" href=\"https:\/\/sustain-ed.eu\/ca\/sustainedx-conjunt-deines-daprenentatge-sostenible-per-a-estudiants-deducacio-superior\/#topic1\" target=\"_blank\" rel=\"nofollow\">Tema: Sostenibilitat i ESG<\/a><\/h4><p class=\"wpr-feature-list-description\"><\/p><\/div><\/li><li class=\"wpr-feature-list-item elementor-repeater-item-04d6f30\"><div class=\"wpr-feature-list-icon-wrap\"><span class=\"wpr-feature-list-line\"><\/span><div class=\"wpr-feature-list-icon-inner-wrap\"><i aria-hidden=\"true\" class=\"fas fa-exchange-alt\"><\/i><\/div><\/div><div class=\"wpr-feature-list-content-wrap\"><h4 class=\"wpr-feature-list-title\"><a class=\"wpr-feature-list-url\" href=\"https:\/\/sustain-ed.eu\/ca\/sustainedx-conjunt-deines-daprenentatge-sostenible-per-a-estudiants-deducacio-superior\/#topic2\" target=\"_blank\" rel=\"nofollow\">Tema: Gesti\u00f3 sostenible de la cadena de subministrament<\/a><\/h4><p class=\"wpr-feature-list-description\"><\/p><\/div><\/li><li class=\"wpr-feature-list-item elementor-repeater-item-cfa533f\"><div class=\"wpr-feature-list-icon-wrap\"><span class=\"wpr-feature-list-line\"><\/span><div class=\"wpr-feature-list-icon-inner-wrap\"><i aria-hidden=\"true\" class=\"fas fa-coins\"><\/i><\/div><\/div><div class=\"wpr-feature-list-content-wrap\"><h4 class=\"wpr-feature-list-title\"><a class=\"wpr-feature-list-url\" href=\"https:\/\/sustain-ed.eu\/ca\/sustainedx-conjunt-deines-daprenentatge-sostenible-per-a-estudiants-deducacio-superior\/#topic3\" target=\"_blank\" rel=\"nofollow\">Tema: Finances sostenibles<\/a><\/h4><p class=\"wpr-feature-list-description\"><\/p><\/div><\/li><li class=\"wpr-feature-list-item elementor-repeater-item-69706e5\"><div class=\"wpr-feature-list-icon-wrap\"><span class=\"wpr-feature-list-line\"><\/span><div class=\"wpr-feature-list-icon-inner-wrap\"><i aria-hidden=\"true\" class=\"fas fa-briefcase\"><\/i><\/div><\/div><div class=\"wpr-feature-list-content-wrap\"><h4 class=\"wpr-feature-list-title\"><a class=\"wpr-feature-list-url\" href=\"https:\/\/sustain-ed.eu\/ca\/sustainedx-conjunt-deines-daprenentatge-sostenible-per-a-estudiants-deducacio-superior\/#topic4\" target=\"_blank\" rel=\"nofollow\">Tema: Models de negoci de l'economia circular<\/a><\/h4><p class=\"wpr-feature-list-description\"><\/p><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Tem\u00e0tica de la webquest: Finances sostenibles Desenvolupar una cartera personal d\u2019ISR Coneixements Principis fonamentals de la inversi\u00f3 socialment responsable (ISR). La import\u00e0ncia dels criteris ambientals, socials i de governan\u00e7a (ASG)&hellip;<\/p>\n","protected":false},"author":4,"featured_media":21744,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-29055","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Desenvolupar una cartera personal d\u2019ISR | SustainEd<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sustain-ed.eu\/ca\/desenvolupar-una-cartera-personal-disr\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Desenvolupar una cartera personal d\u2019ISR | SustainEd\" \/>\n<meta property=\"og:description\" content=\"Tem\u00e0tica de la webquest: Finances sostenibles Desenvolupar una cartera personal d\u2019ISR Coneixements Principis fonamentals de la inversi\u00f3 socialment responsable (ISR). 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