Sustainability-related investment

For e-asset management (delegation product) and investment consulting plus (support and advice available at any time on request), we offer the “Responsible” investment focus. We invest in companies, states and government institutions that meet ESG investment criteria – i.e. criteria relating to the environment, society, and responsible corporate governance. 

PostFinance defines a benchmark (comparative index) for each instrument (fund or exchange traded fund) used in the e-asset management and investment consulting plus model portfolios.

In the case of equities and bonds, we already take sustainability aspects into account when selecting the benchmark. This means that, in the “Responsible” focus for equities and bonds, the relevant fund provider can exclude certain companies from the investment universe based on their ESG values. At the same time, we accept deviations in the portfolio’s performance compared to a classic standard index, which can have both a positive and negative impact on performance.

PostFinance ESG Fonds are put together in such a way that they invest in specific target funds (a so-called fund of funds model). Most of these target funds allow for sustainability-related financial risks in the investment process. The sustainable investing approaches applied to each of the products are listed below.

PostFinance provides a variety of third-party funds that take account of sustainability aspects. They are categorized into funds that explicitly pursue a sustainability goal and those that take account of social and/or environmental factors and good governance in investment decision-making. The criteria outlined in section 3.2 must be met and are verified each year. For funds that explicitly pursue a sustainability goal, classifications are taken into account in accordance with the European duties of disclosure as per Article 9 Sustainable Finance Disclosure Regulation (SFDR). For funds that factor social and/or environmental characteristics and good corporate governance into the investment decision, classifications are taken into account in accordance with Article 8 Sustainable Finance Disclosure Regulation (or equivalent).

For “SmartFlex pension plan” (pillar 3a/3b) and “SmartFlex capital plan” (pillar 3b), which we market in cooperation with AXA, PostFinance offers the “Climate” investment theme. PF – Global Climate Equity Fund I, an equity fund, is used here. According to PostFinance typology, it is a responsible investment. The sub-fund invests in securities from companies that fulfil important environmental, social and governance (ESG) factors.

Find out which investment strategy is right for you. Our customer advisors will be happy to advise you and help you to determine your investment strategy and to select the right investments.