Sustainable investing made easy

Tomorrow applies strict criteria when selecting and managing partners, especially those linked to investments. To ensure sustainable investment practices, we closely monitor our service providers when rebalancing the Tomorrow Fund’s portfolio. We work with three key partners, including:

1. Tomorrow provides the investment brokerage services as a tied agent in the name and for the account of lemon.markets brokerage GmbH (“lemon.markets”). Lemon.markets, a BaFin-licensed investment firm, provides brokerage services and securities safekeeping.

2. Universal-Investment-Gesellschaft mbH (“Universal”), a leading capital management company in Germany, established and manages the fund.

3. Evergreen GmbH (“Evergreen”) is the investment manager and co-initiator of the Tomorrow Fund. It selects the companies and manages the fund in line with our impact screening criteria while considering each company’s risk assessment to ensure diversification and a balanced risk distribution.

An equity fund offers you the opportunity to invest for the long term - with a strategy that does not focus on daily fluctuations and quick profits, but ideally pays into the goals of your financial future in the long term. In your planning, keep in mind that you can spare the invested money at least for the recommended period of time and that you can live with a total loss in case of emergency.

Your capital, with which you buy fund shares, is a so-called special asset, which always belongs to you. This special asset is stored separately at a custodian bank to ensure that it is protected against insolvency, fraud or misappropriation. 

The German Federal Financial Supervisory Authority (BaFin) monitors all processes and institutions.

The described investment is associated with risks. The value of your investment can fall or rise. It can come to losses of the invested capital, up to the total loss. Past developments, simulations or forecasts are not reliable indicators of future developments. 

Tomorrow GmbH offers the brokerage of the investment product as a contractually bound broker in the sense of § 2 para. 10 KWG in the name and for the account of Solaris SE and is entered in the public register maintained by the Federal Financial Supervisory Authority (BaFin). The register can be viewed here.

The goal of an impact fund is to generate appropriate value growth - the value of your money should grow over time. In doing so, an impact fund only participates in investments that achieve measurable positive change and thus contribute to a secure future in an environmentally and socially sustainable way. Only companies that meet our sustainability criteria are included in the Tomorrow Fund. You can learn more about the selection process and criteria in your Tomorrow app or here. 

In addition, the fund meets the criteria of Article 9 of the EU Sustainable Funds Regulation 2019/2088. This 'disclosure regulation' aims to counteract greenwashing. All funds must be transparent about the extent to which they meet ESG sustainability criteria.

Yes! You get the opportunity to invest in more than 55 most sustainable companies with the Tomorrow Fund. We ensure this by using a 5-step screening process. The process breaks down as follows: 

1. Exclusion criteria: Exclusion of companies that invest in yesterday's industries such as fossil fuels, weapons and factory farming. 

2. Paris Climate Agreement: Checking whether the agreements from the Paris Climate Agreement are being adhered to. For this purpose, we the 'X-Degree Compatibility (XDC) Model' from right. based on science GmbH is used. It analyzes by how many degrees °C the earth would warm up if the whole world were to operate like this company does

3. Positive criteria: Screening of the companies for the list of positive criteria that have a positive impact on the United Nations' 17 Sustainable Development Goals (SDGs).

4. Impact Council: Final decision by independent Impact Council

5. Risk allocation: The securities selected by the Impact Council are subjected to a risk analysis by Evergreen; the portfolio is then assembled

You can read more about the process here.

Apart from buying via the Tomorrow app, you can also invest in the Tomorrow Fund at other banks. To do so, simply search for the fund by WKN or name in your online banking. The same costs apply as with Tomorrow, but the minimum investment may vary. If you can't find the fund or can't invest, contact your bank advisor or the customer support of your bank.