These approaches to investing may be suitable for clients concerned about where and how their money is invested and who:
The value of an investment can go down as well as up so your clients might get back less than they put in.
Responsible investing - This generally means seeking to manage risks posed by Environmental, Social & Governance (ESG) factors and avoiding harmful activities, which is typically implemented via negative exclusions in areas such as; controversial weapons, tobacco, coal mining or gambling.
Historically, the term "Ethical" investing has had a similar meaning to "Responsible" investing.
Please note, we do not warrant that any of the third party funds offered on Retirement Account adhere to the above examples, advisers should satisfy themselves via their own due diligence as to whether a particular fund meets their criteria.
Sustainable investing – this approach looks to invest in sustainability challenges that can also present a financial opportunity, whilst benefitting broad groups or stakeholders.
Impact investing – this type of investing aims to contribute to solutions to environmental or societal problems, potentially for underserved or disadvantaged groups or stakeholders.
The term "ESG" stands for Environmental, Social and Governance and these are typically factors that a fund manager can take account of as part of their investment process, whether that be in the pursuit of financial returns, managing financial risks or seeking to derive a particular non-financial outcome for investors. Examples of ESG factors are;
To learn more about ESG investing listen to Ben Constable-Maxwell, Head of Sustainable and Impact Investing at M&G Investments.
Listen to Ben Constable-Maxwell, Head of Sustainable and Impact Investing with M&G Investments, as he discusses ESG and who it is for, its different strategies, drivers and ESG investing in practice.
Please note that these funds have been selected based on Prudential's criteria and may not reflect the criteria of the underlying asset managers.
|M&G Multi Asset Sustainable Allocation Fund||Fund factsheet|
|M&G Sustainable Multi-Asset Cautious Fund||Fund factsheet|
|M&G Sustainable Multi-Asset Balanced Fund||Fund factsheet|
|M&G Sustainable Multi-Asset Growth Fund||Fund factsheet|
|M&G Climate Solutions Fund||Fund factsheet|
|Baillie Gifford Positive Change Fund||Fund factsheet|
|AEGON Ethical Cautious Managed||Fund factsheet|
|Liontrust Sustainable Future Managed||Fund factsheet|
|Liontrust Sustainable Future Cautious Managed||Fund factsheet|
|Liontrust Sustainable Future Defensive Managed||Fund factsheet|
|M&G Global Select Fund||Fund factsheet|
|M&G Pan European Select Fund||Fund factsheet|
|M&G Positive Impact Fund||Fund factsheet|
|Aberdeen Ethical World Equity||Fund factsheet|
|AEGON Ethical Equity Fund||Fund factsheet|
|Vanguard SRI Global Stock Fund||Fund factsheet|
|Vanguard SRI European Stock Fund||Fund factsheet|
|Liontrust Sustainable Future UK Growth||Fund factsheet|
|Liontrust Sustainable Future Managed Growth||Fund factsheet|
|BMO Responsible Global Equity 2 Acc in GB||Fund factsheet|
|AEGON Ethical Corporate Bond||Fund factsheet|
|Liontrust Sustainable Future Corporate Bond||Fund factsheet|