Investing sustainably
Sustainable investment means focusing on companies that adopt an eco-friendly approach, respect the common good and implement fair business practices. Our customers have a variety of sustainable investment options.
Sustainable solutions
Sustainable investment and retirement planningWe’re gradually making our products and services more sustainable – by launching eco-friendly, innovative retirement planning, fund and investment solutions.
Investing sustainably with funds
PostFinance ESG-funds
The five investment strategy funds differ in terms of their equity and fixed income components, but all meet ESG (environment, social and governance) sustainability requirements. The best-in-class approach is adopted. In this best-in-class approach, the investment universe is made up of companies that deliver the best sustainability performance within their industry. Compared to the traditional reference index, our funds aim to provide a better ESG score and a lower carbon footprint.
Third-party funds
PostFinance provides third-party funds, which take account of sustainability aspects. A distinction is made between funds that explicitly pursue a sustainability goal and those which take account of social and/or environmental factors in investment decision-making and good governance.
Investing sustainably with tracker certificates
Tracker certificates enable our investors to easily make well-diversified investments, even with small amounts, in various sustainability-related areas, such as
- gender equality
- green energy
- global e-mobility
- global recycling
- low carbon
Innovative low carbon tracker certificate
The Tracker certificate on the Globalance Low Carbon Index enables our customers to invest in companies that operate in line with the Paris Agreement’s two-degree target. By doing so, investors are backing the objective of international climate policy to ensure global warming is kept to below two degrees Celsius by reducing carbon emissions.
How it works exactly: investing sustainably with our investment solutions
PostFinance provides five investment solutions allowing customers to choose whether to delegate asset management to PostFinance, to decide on the level of advice they’d like to receive or whether to invest independently. Customers have sustainable options with every investment solution.
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With the e-asset management solution, customers delegate their investment decisions to PostFinance. They can opt for a sustainability-oriented investment portfolio with the “sustainable” investment focus. Investment is made in companies that meet sustainability criteria with regard to the environment, society, and responsible corporate governance.
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Customers who choose the investment consulting plus solution receive support and advice on their investment decisions from our expert advisors. They can opt for a sustainability-oriented investment portfolio with the “sustainable” investment focus. Investment is made in companies that meet sustainability criteria with regard to the environment, society, and responsible corporate governance.
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With the fund consulting basic solution, customers make their own investment decisions and receive advice from PostFinance if required. They have the option of investing in our PostFinance ESG-funds or third-party funds that meet sustainability criteria.
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The fund self-service solution allows customers to invest independently without receiving advice. They have the option of investing in our PostFinance ESG-funds or third-party funds that meet sustainability criteria.
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Customers who choose the e-trading solution invest independently without receiving advice.
Within this extensive product universe, they can invest in a wide variety of sustainable products (e. g. funds, ETFs, structured products).
Sustainable retirement planning
Our ESG retirement funds
PostFinance offers four retirement funds in which you can invest retirement capital from your retirement savings account 3a or vested benefits account. The funds differ in terms of their equity and fixed income components, but all take account of ESG (environment, social and governance) sustainability criteria. The best-in-class approach is used. The fund’s investable universe is significantly reduced, but no sectors are excluded. Compared to the traditional reference index, our funds aim for a better ESG score and a lower carbon footprint.
Our criteria
PostFinance carries out rigorous checks on its investments
PostFinance places great emphasis on not investing the customer deposits entrusted to it in savings and investment accounts in companies that support unethical business practices, either directly or through their products, and/or which harm the environment. When investing its customer deposits, PostFinance therefore regularly checks according to the criteria of the Norwegian sovereign wealth fund whether there are grounds for exclusion.
However, there are currently no companies from the oil and gas sector on the exclusion list. The revenues from this sector are an important source of earnings of the Norwegian sovereign wealth fund and constitute a latent conflict of interest in the assessment of oil and gas companies. For this reason, PostFinance also takes into account the ESG ratings of the independent ESG rating agency, ISS ESG, in this sector, and excludes the most environmentally damaging companies from investments The exclusion criteria are thus even stricter than the Norwegian sovereign wealth fund.