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Risk Classes - TREEEC CoopInvest

Risk classes at TREEEC CoopInvest and their definition

TREEEC offers investing members investment opportunities in the four risk classes A, B, C and D. These correspond to the classic risk classes RK1 or A "safety-oriented", RK2 or B "conservative", RK 3 or C "income-oriented" and RK 4 or D "speculative".

The classification of TREEEC, which is based on recoverability, sustainability and future viability (WNZ Index), differs fundamentally from the classification of financial products in the risk classes used by the financial industry or consumer protection organisations. For TREEEC, FIAT-Money, i.e. the national currencies themselves and the monetary financial products based on them, offers no real value, no crisis resilience and no sustainability.

An investment with TREEEC as an investing member therefore always means additional security in case of a collapse of single currencies or the whole currency system by a connection with TREEEC MONEY (TRM), the alternative, value-based money of TREEEC.

Investment exclusively in own name and at own risk

TREEEC invests exclusively in its own name and at its own risk. Investing members are therefore not directly involved in TREEEC, but in TREEEC in general or through dedicated cooperative shares through TREEEC in a project and company.

According to the philosophy of TREEEC, the prerequisite for every investment is that the project and company creates real value and/or convincing utility value, is sustainably managed, future-proof and demonstrates a certain degree of innovation.

Finally, it must be ensured that the projects and companies are subject to the "Guidelines for New Entrepreneurship" of TREEEC, which are part of the participation contract. These guidelines stipulate, for example, that at least 50 per cent of the annual profit is reinvested and that at least 10 per cent of the annual profit benefits the employees.

At TREEEC, sustainable value enhancement takes priority over short-term profit. However, a disproportionate development and high profits in the projects and companies in which TREEEC invests are by no means excluded. On the contrary: in most cases, due to the high innovation potential and the development as "gazelles companies", fast and large growth is even system-related.

The acquisition of shares in cooperatives is an investment. Despite the careful selection of the investment projects in which the cooperative invests and the accompanying measures for greater security of the investment, a risk of loss cannot be ruled out up to the complete loss of the capital invested for the acquisition of the cooperative shares.

The 5 risk classes of investment

Risk class 1 or A = safety oriented

Savings deposits, other bank deposits such as overnight and time deposits, mortgage bonds, money market funds in euro

Risk class 2 or B = conservative

Bond funds in euros, near-money market funds, euro bonds with good credit ratings, open-ended real estate funds

Risikoklasse 3 oder C = earnings-oriented

European equity funds, mixed funds, international bond funds, standard value shares, foreign bonds in euros, currency bonds with good credit ratings

Risk class 4 or D = speculative

Non-European equity funds, European second-line stocks, certificates, medium-rated currency bonds

Risk class 5 or E = very speculative

Options, futures, other derivatives, high-yield bonds, international second-line stocks, speculative bonds and shares

The 5 risk classes of TREEEC

Risk class A = safety oriented

Real-value-based capital investment (e.g. real estate with at least 2-fold benefit)

Risk class B = conservative

Real-value-based capital investment (e.g. valued properties), mortgage bonds (valued properties), real estate funds (valued properties)

Risk class C = earnings-oriented

Equity funds (WNZ companies), Equities (WNZ companies)

(TREEEC WNZ Index with at least 65 of 100 points, real value at least 30 of 40 points)

Risk class D = speculative

Shares (standard values), equity funds (standard values)

(TREEEC WNZ Index at least 65 of 100 points)

Risk class E = highly speculative

Savings deposits, bank deposits such as overnight and time deposits, money market funds, bond funds (currency), near-money market funds, currency bonds, certificates, options (on non-WNZ equities), unclassified shares, futures, speculative bonds

Risk class F = loss-oriented

(additional risk category according to TREEEC)

Gambling, derivatives, high-yield bonds

For classes A to D: For each additional qualification for higher security a Plus+ is added, such as TRM binding or personal TREEEC RES:Q security option. A maximum of three Plus+ are possible.

The WNZ Index

How TREEEC rates companies

The WNZ Index is a key figure with which TREEEC evaluates companies for cooperation and participation. The letters used to designate the index, which also form the three main categories of the index, stand for “Werthaltigkeit, Nachhaltigkeit und Zukunftsfähigkeit“ – in English: recoverability, sustainability and future viability. Below this, the respective areas in which evaluation points are awarded on the basis of information evaluations and surveys are arranged in sub-categories.

Otherwise, we expect our partners to act in an ethically and legally responsible manner and to be willing to cooperate in a trustworthy and fair manner in the long term.

The status of a company according to the WNZ Index is documented in the TREEEC Risk Register and updated as required, but at least annually. Members can view the information on request. In this way we also set an example for transparency.

A maximum of 40 evaluation points are awarded for recoverability, which at TREEEC also reflects the real value of a company in line with the “valoristic” principle, a maximum of 30 points for sustainability and a maximum of 30 points for future viability. Of the 100 possible index points, a company must achieve at least 65 points to be considered for cooperation with TREEEC. In order for TREEEC to participate in a company, at least 30 additional evaluation points must be achieved in the category of sustainability.

The WNZ Index is not listed for TREEEC's own organizational units and projects for reasons of fairness and impartiality. Internally, however, the highest standards must always be met in all categories.

The main and sub-categories for the index

according to the principles of the BlueEconomy


  • Quality and solidity of the business model
  • Management quality
  • Employee quality and employee development
  • Product and service quality
  • Investment behaviour


  • Corporate culture and corporate values
  • Information quality and communication behaviour
  • Environmental awareness
  • Sense of responsibility
  • Compliance

Future Viability

  • Goals and visions of the company
  • Innovative strength
  • Intelligence of products and services
  • Resilience
  • Problem solving capacity