A competitive annual cost including our ongoing advice service, with platform and fund charges passed on at cost to customers.
We look at all funds available and remove any that overcharge or are not market-leading.
We only use reputable companies that embrace responsible investing.
ESG (Environmental, Social and Governance) are non-financial factors that the investment industry has adopted to measure the sustainability and ethical impact of investments. Money invested in our recommended funds will only be used to support companies that meet our funds' strict criteria. Companies that don't will have to find other investors. The more they struggle to find investors the more likely they are to change for the better.
We have worked tirelessly to make sure that you get the best value for your money. We have searched the whole marketplace filtering through all the investment managers that charge extortionate amounts or sell "green" funds that offer a surprisingly light touch. Looking at in excess of one thousand funds available, we have combined funds that truly embrace ESG in their investment process, from some of the most reputable investment managers, at a market-leading cost. Who says ESG has to come at a premium?
We only recommend funds that meet our high ESG standards. The funds we have chosen exclude:
Coal mining companies
Weapons manufacturers
Tobacco companies
Companies that do not comply with the United Nations Global Compact initiative[1]
In addition, Vanguard funds exclude all non-renewable energy and other vice products (Gambling, Alcohol, Adult Entertainment). The BlackRock fund excludes companies that produce or own fossil fuel reserves. The L&G fund re-weights its holdings to its higher ESG scoring stocks.
[1] An initiative to encourage businesses worldwide to adopt sustainable and socially responsible policies.
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Answer some questions about yourself and we’ll tell you the best place to invest your pension(s).
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