Sustainability

Responsible investing is a way of contributing to a better future for coming generations. The fund and pension companies that manage the capital allocated to savings and pensions have great power to influence the companies in which they invest. This can be done, for example, by investing carbon free, excluding companies where there is child labor or where employees do not have good working conditions.

Sustainability in pension advice

As a financial advisor, we have an opportunity to make a significant impact by offering advice and guidance when it comes to sustainable investments. In accordance with new EU directives, we will consider your preferences on sustainability from three different perspectives:

• Sustainable investments according to the EU Taxonomy
  Currently, it covers investments that are defined as environmentally sustainable according to the Taxonomy. It could, for example, be companies that promote a green transition.
• Sustainable investments according to the Sustainable Finance Disclosure Regulation (SFDR)
  Fund companies and other financial market participants are obliged to provide information on how well an investment meets various sustainability factors. In addition to environmental issues, it also covers social issues, respect for human rights and the fight against corruption and bribery.
• Factors that negatively affect sustainability – Principle Adverse Impacts (PAI)
  Taking negative sustainability impacts into consideration can, for example, mean avoiding companies where there are violations of human rights, poor working conditions or high levels of greenhouse gas emissions.

Sustainability risks

Sustainability risk is the risk that an environmental, social, or governance event or circumstance, if it were to occur, would have an actual or potential material adverse effect on the value of an investment. Examples of sustainability risk include the consequences of environmental degradation, (e.g. a ban requiring operations to be converted or wound up, reduced demand, difficulty in obtaining financing, or physical risk such as resource depletion and natural disasters), the consequences of violations of human rights, workers’ rights, gender equality, corruption and bribery, and the consequences of poor corporate governance. This means that both environmental, social, or governance-related events arising from a company's own operations and those occurring independently of the operations of the company may pose a sustainability risk to the company. The lower the sustainability risk to which an investment is exposed, the lower the financial risk to which the investment, and thus the customer, is exposed.

Säkra integrates sustainability risk into its insurance advice. In addition, the individual customer’s potential sustainability preferences are considered in the insurance advice. In relation to investment advice, please be referred to Säkra Spar to which we are tied agents.

The purpose of Säkra's remuneration policy is to determine the basis for how remuneration and benefits to the Säkra’s employees are to be determined. Säkra's remuneration policy stipulates that the company's remuneration system is structured in such a way that compliance with external and internal regulations, such as the integration of sustainability risks in the advice, shall affect an employee's remuneration.