ESG Pensions – Investing in a kinder future
Looking to help people and the planet by choosing a retirement fund with a conscience?
Choose a pension with The Path and help your savings be a force for change.
At the Path, we take ESG very seriously. Our driving force is to have a positive impact on the world, while achieving positive returns for your retirement.
What is ESG?
In a world where doing good means a better, more sustainable future, Environmental, Social and Governance factors have become an essential measure for sustainability and ethics of a business.
From a company’s green policy to how it treats workers; from supply chain management to company diversity, pay and business ethics; from fostering innovation to aligning corporate culture with transparency and trust, only with rigorous ESG can companies truly revolutionise and be a positive force for change.
Regrettably definitions vary and as the ‘ESG-bandwagon’ has started to roll we are seeing examples of ‘ESG-wash’, the close relative of the other fly in our particular soup ‘green-wash’. Careful analysis is increasingly important in this area which we aim to provide.
At The Path, we champion the environment, ethics and human rights in everything we do. Our financial advice and portfolio of investments are the gold standard in Environmental, Social and Governance.
But we not only use ESG criteria in our rigorous selection criteria; we actively work with ethical and positive impact funds towards a core mission of saving the planet.
Ethical Pensions Explained
An ethical pension aims to achieve positive returns while screening out companies involved in negative social activities. Ethical investing generally excludes investments such as alcohol, tobacco, armaments, gambling and pornography. However, polluting companies that cause damage to the environment are often seen as acceptable in ethical investment portfolios.
With our positive Impact pensions, we go a step further.
POSITIVE IMPACT PENSIONS
Our Positive Impact Pensions take place within an ethical framework, not only excluding companies that have a negative impact but purposefully investing with companies and funds that make a positive impact on the environment.
Our Positive Impact funds are compiled to strict criteria to ensure that your money is only invested in socially responsible companies that pass our social, environmental and ethical tests.
We can help you to clearly understand your pension options, take control of your money and invest it in line with your ethical values.
Why investing in companies with strong ESG is good for your money
Disinvesting from damaging and destructive companies is the only moral and practical choice. But far more impactful beyond that is investing that money into more positive, progressive businesses.
Companies with socially impactful ideas and products tend to be more innovative and higher growth than the average company. Strong Environmental, Social and Governance (ESG) metrics can mean better growth prospects with lower risk since bad ESG usually manifests itself in poor performance over time.
Investing in a ‘green’ way where it will make a difference to the climate crisis makes good financial sense. Financial returns will only increase as concern about the climate intensifies. You will be aligned to companies that are part of the solution and so are positioned for success and avoid those that are part of the problem and doomed to fail. For more on this see our blogs page.
There is a climate emergency and it’s down to us to act together now. With The Path you can make a significant difference, moving from harming the planet with your money to sustaining it – and be proud of how your savings grow.
How easy is it to transfer my pension?
Transferring your existing pension to The Path is straightforward. Typically, it can take around 8 weeks for a pension transfer to complete. In some cases, this can be as long as 12 weeks. We can help you find where your existing pensions are held if you are not sure how to locate them.
|Clean and renewable energy|
|Healthcare and medical research|
|Recycling and waste management|
|Sustainable products and packaging|
|Financial service provision in developing nations|
|Solutions that provide clean water and increase efficiencies across the entire use-cycle of water|
|Infrastructure projects in the developing world|
|Dirty energy and fossil fuels|
|Non-sustainable timber and land degradation (habitat and species loss)|
|Non-sustainable agriculture and land management|
|The manufacture and distribution of weapons and weapons systems|
|Nuclear power generation|
|Infant formula where the retail or manufacture contravenes international guidelines|
|Breeding, rearing, trapping animals for the fur trade|
|Animal testing for cosmetic purposes|
|The manufacture and retailing of alcohol|
|Production, distribution and retailing of pornography|
|Consumer credit companies offering high rate loans and doorstep lenders|
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.
The Path Financial Ltd. Registered in England. Company No. 11583740. Registered office address: The Path Financial Ltd, Watch Oak, Battle, TN33 0YD
Authorised and regulated by the Financial Conduct Authority.
The Path is entered on the Financial Services Register https://register.fca.org.uk under reference 827270.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
© 2019 The Path Financial Ltd. All rights reserved.