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Ethical pensions

Path’s expert financial advice ensures that your pension is aligned to your values, for positive impact for both people and planet.

Pension performance for you and the planet 

Pensions are a key tool in planning for your financial independence in the future. With the rise in auto-enrolment, more people than ever are regularly contributing to a pension policy.

But many people don’t realise that their pension is likely invested in exploitative and damaging industries, including fossil fuels, mining, and those with high-carbon emissions.

We believe that most people would prefer their hard-earned savings to be invested differently. You do have a choice about where your pension is invested – but figuring out exactly where to invest your pension savings can be challenging.

Your pension could have 21x more impact on your carbon footprint than other behavioural changes [1]

The way forward

Outstanding financial performance
Maximum climate impact
Optimised for UN Sustainable Goals
Welcoming, expert advisers

Pension choice

Your pension has enormous power.

  • A well looked after pension ensures financial freedom for you in the future, meaning you can retire when you want to and achieve financial freedom in retirement.
  • Your pension has a significant impact on the planet. Recent research suggests that your pension has 21x more impact on your carbon footprint than other behavioural changes alone [1].

Our Pension Review Service specialises in reviewing your existing pensions – making sure that your pension is suitable not only for your future, but for the planet too.

Positive impact = positive returns

The graph shows the comparative performance of an example impact investment portfolio against a non-impact industry benchmark (ARC) and the FTSE 100 Index. We have included a selection of underlying impact funds for illustration purposes. These are all funds that would be considered for inclusion in your investment portfolio with Path, though they do not represent a complete portfolio.

It’s vital to remember that past performance is no guarantee of future performance, however, the graph does show that impact investment strategies can outperform more traditional investment portfolios, with the added benefit of doing good for the planet and its populations.

Path pension review service

With a dedicated Path Financial Planner, and the support of our wider Path team, we can work to optimise your pension by:

  1. Analysing the performance and features of your current pensions
  2. Understanding the environmental and social impact of your pensions
  3. Planning for and optimising your retirement plans, and other financial goals
  4. Consolidating your pensions into a unified, positive impact strategy
  5. Ensuring that your pension is aligned to your personal values

An initial Path consultation is completely free. We’re not salesy. There won’t be any pressure. We’re just passionate experts, keen to explain what we do and see if there’s a fit with your needs.

[1] Recent research by Make My Money Matter.

RISK WARNING:
As always with investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice.

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    Created specifically for customers looking to tackle the climate emergency with their pensions and investments, money invested in the Path Climate Solutions Portfolio is not just aligned with UN Sustainable Development Goals (SDGs), it’s focused on tackling climate change.

    The Path Climate Solutions portfolio is the optimal choice for helping to tackle the climate crisis. It’s not just green, but deep green. It’s the best climate solutions tilt to a portfolio, whilst also offering the prospect of superior investment returns.

    If you’re interested in finding out more about our Climate Solutions Portfolio, book your free consultation with one of our Financial Planners today.