ESG funds
Invest your pension with consideration for environmental, social and governance factors.
Your pension pot value can go up or down, but staying invested can help it grow
Invest with sustainability in mind
Our ESG funds consider environmental, social and governance factors alongside investment performance.
Environmental, social and governance factors
ESG looks at how companies perform on issues such as carbon emissions, working practices and corporate governance.
A different investment approach
The funds invest across a range of assets while giving greater consideration to certain environmental and social characteristics.
One simple all-in fee
You’ll pay an annual fee of 0.75% on savings under £100,000, and 0.4% on anything over £100,000.
Choose your balance of growth and risk
Choose from three options based on how much of your pension is invested in equities.
Equities are investments in companies, also known as stocks and shares. They offer potential for long-term growth, but their value can rise and fall.
- ESG 100% equity
Our highest equity option. Your pension is invested in equities for potential long-term growth, with greater changes in value along the way.
- ESG 60-80% equity
A high-equity option that combines equities with other investments, balancing potential long-term growth with risk.
- ESG 20-40% equity
Our lowest equity option. More of your pension is invested with stability in mind, with less exposure to equities.
In collaboration with BlackRock
We work with BlackRock, one of the world’s largest investment managers, on our ESG funds.
The funds use BlackRock’s MyMap Select ESG range, which invests across thousands of companies and other assets.
The range has sustainability objectives including:
- Greener Government Bonds: At least 80% of government bond investments aim to be in countries that meet environmental and social criteria.
- Lower Carbon Intensity: The funds aim to invest in companies with lower carbon emissions relative to their value than the broader market.
Prefer your investments to change automatically?
With these ESG funds, you choose an equity level based on your preferred balance of growth and risk.
Our ESG Lifetime plan takes a different approach. It automatically changes how your pension is invested as you move towards retirement, while still considering environmental, social and governance factors.
