Solidarity savings for individuals

As an individual, you can invest part of your money in solidarity-based products. Socially responsible investing means growing your savings by combining financial returns with social value. France Active helps you grow your capital while supporting employment and socially responsible entrepreneurship.

With France Active, you can invest a portion of your savings in projects with a strong social, environmental, and regional impact. The projects we support contribute to the creation of jobs that cannot be outsourced—primarily for people facing barriers to employment or living with disabilities—and to the transformation of our society.

There are three types of financial products.

• Solidarity investments or 90-10 or 85-15 Solidarity Savings Funds: 85 to 90% of your savings are invested in financial markets, and 10 to 15% in certified social and solidarity enterprises that work to create jobs, provide social housing, or promote sustainable development.

These funds are available through banks or your company’s Human Resources department.

• Shared-profit products or savings accounts: You donate all or part of the interest earned on your investment to an association, which issues you a tax receipt entitling you to a tax deduction

Shared-profit products are available at most banks.

• Solidarity-based life insurance: A portion of the savings collected through your life insurance policy is invested in social and solidarity-based enterprises through France Active Investissement.
  

Life insurance products are available from MAIF, among others.

1. Source: OpinionWay survey for France Active and Fair, September 2024

“Our role at France Active, as well as that of banks and insurers, is to provide everyone with the tools for greater transparency regarding the path of solidarity-based savings all the way through to their results. The French public must become the true decision-makers when it comes to directing their savings.”

Denis DEMENTHON
Directeur général de France Active