Sustainability Factors
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 currently there is limited relevant products on the market which meet these criteria and we believe that if we filter the products out that do not meet this criteria then our clients ability to achieve their long term financial goals will be negatively impacted. That said if it is identified in our factfinding process that a client does have a preference for factoring in sustainability factors then we will include this in our advice.
The area of sustainability is relatively new and as the issue progresses, we will review our position on an annual basis in January. We do not assess the likely impacts of sustainability risks on the returns of investment/Pensions since we have not been able to identify any sustainability risks that are relevant.
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 currently there is limited relevant products on the market which meet these criteria and we believe that if we filter the products out that do not meet this criteria then our clients ability to achieve their long term financial goals will be negatively impacted. That said if it is identified in our factfinding process that a client does have a preference for factoring in sustainability factors then we will include this in our advice.
The area of sustainability is relatively new and as the issue progresses, we will review our position on an annual basis in January. We do not assess the likely impacts of sustainability risks on the returns of investment/Pensions since we have not been able to identify any sustainability risks that are relevant.