What if your investments could change your world?

Your investments can create a better world to live and retire in

We want to raise awareness that by choosing how your money is invested you can provide a more sustainable future for everyone. Watch our short video that follows the journey a pension contribution takes through the capital markets system. It shows how you can make a difference as an individual investor. 

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Transcript

00:00:01

Do you know how the money in your pension is invested?

When you invest, how much do you really know about what happens next?

Let’s pretend for a moment you could follow your money on its journey and see what happens.

Basically, your money goes into funds you choose.

It’s the managers of those funds who decide how it should be invested in order to make it grow.

They often buy shares of large companies traded on stock exchanges around the world.

And these companies play a major role in shaping the world we live in.

The performance of the funds is available to everyone to see at any time.

This sounds like a good thing, but it can actually lead to short term decision making.

Let’s look at why.

00:00:42

Imagine the pressure you’d face from being constantly monitored.

Fund managers need to show the investments they make are growing in the short term.

As a result, companies are also pressured to act in the short term to show immediate returns.

Long term benefits such as investing in innovation, workforce skills, or the efficient use of natural resources can slide down the priority list, as can the societal and environmental impact of things like carbon emissions and air pollution.

In the long term, this can actually lead to weaker companies and lower profits, because in reality, it’s good companies that treat their customers, employees, the local community, and the environment well, that will make sustainable investments.

Think back to the beginning.

You invested in your pension to improve your prospects for the future.

Your goal was to create a better future for yourself and your family.

But the result could well be a future you’d never have chosen.

There’s no one quick fix, but there are steps we can take.

00:01:44

Remember those funds that your pension money goes into?

A large number of people invest in them.

So together, you have huge power.

If you insisted that your money was invested responsibly, it could really help change the world.

Unleashing trillions of euros of sustainable investments, but not many people ask how their money is being spent.

As an investor, you have the power to influence where your money gets invested.

As your pension provider, Aviva can provide you with more information on how your money is invested.

If money talks, what’s yours saying?

00:02:33 Video ends

Aviva wins ESG Provider of the Year

At the 2021 Irish Pension Award, Aviva was delighted to be presented with the ESG Provider of the Year award at the Irish Pensions Awards 2021.

Read about our win

What is ESG investing?

In the past investors have researched and considered financial factors and metrics when making decisions about their investments. ESG investing incorporates environment, social and governance (ESG) elements into a fund’s investment process, in addition to financial considerations.

Environmental

How the company interacts with the environment

Climate change
Natural resources
Pollution & waste
Energy use

Social

How the company interacts with society
 
Working conditions
Health and safety
Employee relations and diversity
Data protection

Governance

How the company is run

Executive pay
Bribery and corruption
Board diversity
Risk management

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Transcript

00:00:00

Video starts

00:00:08

Aviva research indicates that environmental, social and.

00:00:11

Governance investing, or ESG investing for short.

00:00:15

Is important to 70% of Irish pension investors. No wonder ESG investing is gaining traction.

00:00:24

Research is increasingly showing that this investing.

00:00:27

Method can reduce portfolio risk, generate competitive investment returns and help investors feel good.

00:00:34

About the funds they invest in. In a nutshell, ESG investing involves researching.

00:00:44

And considering environmental, social and governance issues.

00:00:49

In addition to other factors such as financial criteria when evaluating different investments.

00:00:54

For inclusion in investments funds e are environment concerns, how corporations interact with the physical environment such as climate change, biodiversity, natural resources, carbon emissions, air and water.

00:01:15

Pollution, and energy use.

00:01:22

S for social looks at the impact companies have on society and communities, including human rights, health and safety issues, labour standards, product liability, privacy and data security. Qi or Governance focuses on how companies are governed, including diversity, transparency, ownership board independence, ethics and executive compensation.

00:01:54

ESG investing has become mainstream and for many investors around the world, and it's a requirement that must be considered before they invest.

00:02:10

Aviva offer Responsible Fund investment options across are managed for you, managed with you and managed by you propositions. For example, through our managed for you and managed with you propositions, we offer a range of funds from Aviva Investors who integrate ESG into their investment processes where possible. This includes our range of Aviva multi asset ESG funds. Aviva Investors is the asset management part of the Aviva Group and a Global Asset Manager with integrated experience across all major asset classes. Aviva Investors engage and meet with global companies to encourage them to change and build a substantial business for the future. And they're at the forefront of encouraging overall market reform, helping to drive regulatory change across financial markets. To encourage better practise and drive meaningful change. Aviva Investors has a dedicated team of over 30 ESG analysts and have built ESG considerations into their investment processes. What this means is that when they're considering whether to include individual investments such as company shares in your investment fund.

00:03:23

They will analyse traditional financial metrics alongside.

00:03:27

ESG criteria such as impact on the environment, company culture and corporate governance. Aviva Investors is a pioneer in responsible investments. They've been actively voting since 1970 to encourage responsible behaviour by companies and to consider ESG criteria. Today they are recognised as a global leader in ESG investing. They are a founding member of the UN Principles for Responsible Investing and today they're a plus rated for their approach as part of the Aviva Group. Their ambition is to be net zero for investments by 2040, ten years ahead of the Paris Agreement target. To learn more about Aviva's multi asset ESG funds and other ESG investment options available from Aviva, please contact your financial broker or visit www. Addiva ie ESG you.

00:04:42

Video ends

Investing your money to make a difference

70% Irish pension investors believe ESG an important investment consideration

Aviva Research

Aviva research shows that 7 in 10 Irish pension holders want to consider environmental, social and governance factors when they invest their pension1.

We offer responsible investing options across our Managed for You, Managed with You and Managed by You propositions. For example, in our Managed for You and Managed with You option you can invest in funds from Aviva Investors, the fund management arm of the Aviva Group.

Aviva Investors - responsibility built in

Aviva’s commitment to responsible investment has a long track record. Aviva has been at the forefront of responsible and  sustainable investment for nearly 50 years; from being the first operationally carbon-neutral international insurer, to being awarded the UN Momentum for Change Award in 2017 in recognition of Aviva’s commitment to reducing its environmental impact, as well as helping to author the world’s first corporate governance code and the UN Principles for Responsible Investment.

ESG at Aviva – 2021 and beyond

We offer a range of sustainable investments across our range.  These include our flagship Multi-Asset ESG ranges that are classified as Article 8 Funds under the Sustainable Finance Disclosure Regulations.2

This means ESG considerations are built into how the funds are managed.

Multi-Asset Funds invest in a number of different asset types, which may include equities, bonds, property, and cash, providing investors with a greater degree of diversification than investing in only one asset class.  

Our Multi-Asset ESG ranges are  managed by Aviva Investors the global investment management part of the Aviva Group. Aviva Investors is proud to be recognised as a company of action, with a firm-wide commitment to work with, and for its clients, to do what is right for them, society, and the world around us. As a result, they have been rated one of the best investors in the world for using their influence with the companies they own to drive action on climate change and other important ESG issues. Aviva Investors is:

- A+ rated by UNPRI and was a founding signatory to UNPRI in 20063,

- ESG/SRI provider of the year at the 2021 Irish Pension Awards, and 

- A rated by Share Action (2021),  one of only 5 out of 75 global investment managers to achieve this rating4.

Dedicated ESG Experts

Aviva Investors’ has a team of 30+ dedicated ESG Analysts. Their role is to push for vital change on society’s biggest issues with investor action.4

Committed to voting

In 2021, Aviva Investors voted on 70,956 resolutions, including voting against 27% of management resolutions, including 47% on pay proposals.4

Taking action on climate change

In February 2021, Aviva Investors launched the Climate Engagement Escalation Programme, targeting the top 30 global carbon emitters.

In March 2021, Aviva announces it's Net Zero 2040 ambition. This includes Aviva Investors being a net zero company for investments.

In 2021, Aviva Investors voted in favour of 91% of shareholder resolutions on climate and social issues.

Strong credentials as a responsible investor

A+

Aviva Investors is A+ rated by United Nations Principles for Responsible Investment (UNPRI)

A

Aviva Investors is ranked second of all global investment managers by ShareAction for its environmental voting track record, and one of only 5 managers worldwide to hold an ESG A Rating

Source: Aviva Investors Responsible Investment Annual Review 2020.

Learn more about approach to ESG

Aviva’s Climate Engagement Plan

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Transcript

00:00:00 Video starts

00:00:05 

Peter Smith one minute pitch 

Aviva's climate engagement plan

Your time starts now

00:00:11

Who are Aviva Investors?

00:00:14 Peter Smith, Investment Director, Aviva Investors

Aviva Investors are the investment arm of the Aviva's group and we managed over 318 billion euros of policyholders’ assets.

00:00:23

What is he issues you are most concerned with?

00:00:24 Peter Smith

Climate change is our most pressing issue and we have engaged with companies around the world to reduce the most amount of carbon emissions totalling around 30% per annum.

00:00:35

What are you asking them to? 

00:00:36 Peter Smith

We are asking them to change to a lower carbon world and long term to adhere to carbon net zero by 2050.

00:00:46

What impact could this have?

00:00:47 Peter Smith

Take BP for instance. BP one of the largest producing carbon emitters and if they move to carbon net zero by 2050, it is the same for the UK and Ireland getting rid of their carbon emissions combined.

00:01:00

And finally, what will do if these companies won't change?

00:01:03 Peter Smith

We have given these companies a timeline of 18 to 36 months to show they are serious about climate change and if not, we will sell all the shares we own in them.

00:01:15

Peter your time is up

To find out more about sustainable investing, talk to your financial broker.

00:01:35 Video ends

Learn about ESG Investing

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Transcript

00:00:00 Video starts

00:00:05 

Peter Smith one minute pitch 

ESG investing

Your time starts now

00:00:11

What does ESG mean?

00:00:13 Peter Smith, Investment Director, Aviva Investors

ESG stands for environmental, social and governance and really deals with how companies interact with the environment, how they treat their suppliers and staff and how that company is governed.

00:00:23

And why is it important?

00:00:25 Peter Smith

It is important cause it can take your money and gives it the opportunity to make change across board rooms in the world.

00:00:31

Will it make a real difference?

00:00:34 Peter Smith

It makes a real difference, and it has been shown to be 20 times more effected by greening your pension and changing to an electric car.

00:00:43

Will I have to pay more to invest sustainable?

00:00:44 Peter Smith

Absolutely not, we offer a wide range of ESG funds at standard management charges.

00:00:54

Why should people consider Aviva Investors for ESG?

00:00:55 Peter Smith

Aviva Investors in 2021 won ESG provider of the year at the Irish Pensions Awards.

00:01:01

And finally, name a company who you think is doing well in the fight against climate change?

00:01:04 Peter Smith

BP have started an oil and gas company is transitioning to become carbon net zero by 2050

00:01:13

Peter your time is up

For more information on ESG investing contact your financial broker.

00:01:35 Video ends

Learn more about our Aviva Multi-Asset ESG Funds

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Transcript

00:00:00 Video Starts

This is Niall.

He needs a pension.

No problem.

But what if he could secure his retirement while also doing a whole load of good?

With Aviva Multi-Asset ESG Funds, Niall has the option of investing in his future, and everyone else’s.

So by the time he retires, he’ll have made a huge contribution to the world, without lifting a finger.

For investments that can change your world, It takes Aviva.

00:00:30 Video Ends

Our 1-minute pitches

In this 1 minute videos, our investment experts give a quick snapshot of our Multi-Asset ESG Range

Our Aviva Multi-Asset ESG Range

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Transcript

00:00:00 Video Starts

00:00:05 - Question

John Deehan One Minute Pitch.

Aviva's New Multi Asset ESG Investment Fund Range.

Your Time Starts Now - Tell us about Aviva's New Fund range.

00:00:15 - John

There are four different Aviva Multi-Asset ESG options available. Each option has its own distinct style of investing. They include the Aviva Multi-Asset ESG Active Range, ESG Passive Plus Range, ESG Fixed Allocation Range and the Aviva My Future ESG Lifestyle Strategy.

00:00:30 - Question

Who manages the funds?

00:00:31 - John

Each of the funds are managed by Aviva Investors, the global Asset management business within the Aviva Group. Aviva Investors manage over 300 billion for customers worldwide and are a pioneer when it comes to their approach to responsible investing.

00:00:42 - Question

What kind of investor would these new funds suit?

00:00:45 - John

Each range will suit investors with different risk profiles. They'll also cater for investors with a preference for a particular investment style. And they should also really appeal to investors who want to invest sustainably and see their investment work hard on things like climate change.

00:00:57 - Question

What makes your funds unique?

00:00:59 - John

What makes them unique is Aviva's investment capabilities and sustainability expertise and the choice and breadth of ESG options available.

00:01:06 - Question

How much do they cost?

00:01:07 - John

All of the funds are available at our standard annual management charge or lower.

00:01:11 - Question

John, your time is up.

For more information on Aviva's Multi-Asset ESG range and how to invest contact your financial broker.

00:01:34 Video Ends

Aviva MultiAsset ESG Active Range

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Transcript

00:00:00 Video starts

00:00:05

Shane O'Brien One Minute Pitch.

Aviva's Multi-Asset ESG Active Fund Range,

Your time starts now. What are multi-asset ESG active funds?

00:00:16 - Shane O'Brien, Aviva Investors

The clues in the name? They are multi-asset funds. They have ESG integrated, and they're managed with an active investment bias.

00:00:22

What do you mean by active investment bias?

00:00:24 - Shane O'Brien, Aviva Investors

We mean two things. We mean that we actively select securities, but we also use active asset allocations. That's choosing between different asset classes like equities, bonds and alternatives.

00:00:33

Who manages these funds?

00:00:35 - Shane O'Brien

They're managed by Aviva Investors. We are the investment part of the Aviva Group and we've been managing multi-asset funds for over 40 years.

00:00:41 

How is ESG integrated into these funds?

00:00:43 - Shane O'Brien

ESG is integrated in three ways. Number one, we actively select securities that have strong ESG credentials. Number two, we actively engage with the companies that we hold within the portfolio. And number three, there are certain sectors that we exclude like coal and tobacco.

00:00:58

What are the benefits of investing in these funds?

00:01:01 - Shane O'Brien

The benefits are they are broad, diversified multi asset funds. ESG is integrated and we have a very long, strong track record dating back over ten years.

00:01:08

Does it cost any more to invest in these funds?

00:01:10 - Shane O'Brien

It does not. They're available at standard fees.

00:01:12

Shane, your time is up.

For more information on Aviva Multi Asset ESG Active Fund range and how to invest, contact your financial broker.

00:01:35 Video ends

Aviva Multi-Asset ESG Passive Plus Range

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Transcript

00:00:00 Video starts

00:00:05

Shane O'Brien One Minute Pitch

Aviva's Multi-Asset ESG Passive Plus Fund Range

Your time starts now. What are Multi-Asset Passive Plus Funds?

00:00:16 - Shane O'Brien, Aviva Investors

They are diversified multi asset funds managed with a passive bias, so it's about setting up diversified portfolios, not changing them too regularly and letting the asset classes grow the investment over time.

00:00:27

What do you mean by passive plus?

00:00:29 - Shane O'Brien

I mean that most of the strategies are passively managed within the fund. There are some components which are active in places like property and alternative investments.

00:00:36

Who manages these funds?

00:00:37 - Shane O'Brien

They're managed by Aviva Investors. We are the investment part of the Aviva Group and we've been managing multi asset funds for over 40 years.

00:00:44

How is ESG integrated into these funds?

00:00:46 - Shane O'Brien

In three ways. Firstly, we systematically tilt the portfolio towards better scoring ESG companies. Secondly, we engage with the companies we hold. And finally, there are certain sectors we don't invest in like coal and tobacco.

00:00:5

What are the benefits of investing in these funds?

00:01:00  - Shane O'Brien

They are diversified, they are ESG tilted, and they are cost effective.

00:01:05 

And how much does it cost to invest in these funds?

00:01:07 - Shane O'Brien

They're available at .05% below standard charges.

00:01:11 

Shane, your time is up.

For more information on Aviva's Multi Asset ESG Passive Plus Fund Range and how to invest, contact your financial broker.

00:01:35 Video ends

Aviva Fixed Allocation Fund range

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Transcript

00:00:00 Video Starts

00:00:04

Peter Smith One Minute Pitch.

Aviva's ESG Fixed Allocation Fund Range

Your time starts now. What are Aviva's ESG Fixed Allocation Funds?

00:00:14 - Peter Smith, Aviva Investors

They are a range of four multi asset low-cost funds that invest in equities and bonds in fixed proportions.

00:00:20

What do you mean by fixed allocation?

00:00:22 - Peter Smith

Each fund has a set weight to equities and bonds and is rebalanced on a quarterly basis, holding between 20 and 80% in equities.

00:00:29

Who manages these funds?

00:00:31 - Peter Smith

Aviva Investors we're the asset management arm of the Aviva Group and have over 40 years’ experience managing multi asset portfolios.

00:00:38

How is ESG integrated into these funds?

00:00:40 - Peter Smith

In three ways, we tilt more to the holdings that will have a higher ESG rating. We engage with the companies that we hold, and we also avoid certain industries and sectors.

00:00:51

What are the benefits of investing in these funds?

00:00:54 - Peter Smith

The funds offer a low cost, straightforward way to invest in markets, in a transparent and provide transparent returns.

00:01:02

And finally, does it cost any more to invest in these funds?

00:01:05 - Peter Smith

No. In fact, it costs .1% less than standard pricing.

00:01:09

Peter, your time is up.

For more information on Aviva's ESG Fixed Allocation Funds and how to invest, contact your financial broker.

00:01:32 Video Ends

Aviva My Future ESG Lifestyle Strategy

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Transcript

00:00:00 Video Starts

00:00:05 - Question

Stephen Rice One Minute Pitch.

Aviva My Future ESG Lifestyle Strategies.

Your time starts now. What are the Aviva Lifestyle Strategies?

00:00:15 - Stephen Rice, Aviva Life & Pensions Ireland

They are three pension savings strategies tailored to your selected retirement age and whether you're looking to fund for an approved retirement fund annuity or a lump sum at retirement.

00:00:25

How are my Pension savings managed?

00:00:27 - Stephen Rice

Aviva will automatically deviate your pension from higher risk funds to lower risk funds as you near retirement, so you don't have to.

00:00:34

Where are my Pension savings invested?

00:00:36 - Stephen Rice

Your money is invested in a combination of equities and bonds to Aviva's Fixed Allocation ESG Funds and in the last five years a cash allocation is introduced to meet your tax-free lump sum.

00:00:46

As these are ESG strategies. Will my savings be invested sustainably?

00:00:50 - Stephen Rice

Yes. Our fixed allocation range is designated as Article 8 under the Sustainable Finance Disclosure Regulations.

00:00:56

What are the advantages of investing in this manner?

00:00:58 - Stephen Rice

The My Future Strategies are cost effective investment strategies professionally managed by Aviva Investors.

00:01:04

And how much does My Future ESG cost?

00:01:06 - Stephen Rice

They are available at a 0.1% discount to our standard management charges.

00:01:11

Stephen, your time is up.

For more information on Aviva's My Future ESG Lifestyle Strategies and how to invest, contact your financial broker.

00:01:34 Video Ends

Warnings

Important information to consider.

Fund availability varies by product type. Please contact your Financial Broker for details of the funds available by product type.

Warning: The value of your investment may go down as well as up.

Warning: If you invest in these products you may lose some or all of the money you invest.

Warning: Past performance is not a reliable guide to future performance.

Warning: These products may be affected by changes in currency exchange rates.

1. Source: iReach survey carried out on behalf of Aviva May 2021. Survey covers 570 Irish pension holders.
2. Article 8 unit-linked funds promote environmental or social characteristics or a combination of these two characteristics.
3. Source: UNPRI 2020
4. Source: Share Action 2020
5. Source: Aviva Investors 31 December 2021

Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares. Registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland. Tel (01) 898 7950.