Sustainability Factors – Investment/IBIPs/Pension Advice


Considering Principal Adverse Impacts on sustainability factors in the advice

Impact on Return

In accordance with the Sustainable Finance Disclosure Regulation(‘SFDR’), we inform you that when providing advice on insurance-based investment products/investments, we do not assess, in addition to relevant financial risks, relevant sustainability risks as far as this information is available in relation the products proposed/advised on. This means that we do not assess environmental, social or governance events/conditions that, if they occur, could have a material negative impact on the value of the investment.

When providing advice on insurance-based investment products (‘IBIPs’) or investment advice we do not consider the impacts of our advice that result in negative effects on sustainability factors (namely environmental, social and employee matters, respect for human rights, anti-corruption and anti-bribery matters), because we are not suitably qualified to make such judgement; our role is to offer the most appropriate, holistic advice and generally, we find that there is limited relevant products on the market which meet these criteria. The firm will review this approach when/as required by regulation or statute.

We have not assessed the likely impacts of sustainability risks on the returns of investment/pensions since we have not undertaken to identify any sustainability risks that are relevant. Generally, financial product documentation from insures will reference some information on this subject.