At BeFrank, we believe in fair pensions. That’s why we invest as sustainably as possible. We invest your employees’ pension capital in businesses that treat people and the environment with respect. How does it work?
As an employer or employee, you can choose from three different forms of investment: passive, active and sustainable. We call these our ‘lifecycles’.
In all three lifecycles, we reduce the investment risk as your employees approach their retirement date. And, of course, we always invest as sustainably as possible.
We make the following sustainable choices through each lifecycle:
1. Passive Lifecycle
We only invest in companies that we believe help build a better world. These organisations comply with the 10 UN Global Compact Principles. For example, we do not invest in the tobacco industry or emerging countries with inadequately established governance.
2. Active Lifecycle
In the Active Lifecycle, we go a step further. In addition to the exclusions we already apply in the Passive Lifecycle, we also apply sustainability criteria when it comes to finding investments that provide better long-term returns than the market.
3. Sustainable Lifecycle
It’s in the name: our Sustainable Lifecycle is our most sustainable form of investment. We only invest in companies, governments and organisations that have demonstrated their impact on the world.
Putting pressure on companies
Sometimes, we need to put pressure on companies so that they continue making sustainable choices. How do our asset managers do that?
- They vote at shareholders’ meetings and therefore have a say in the company’s existing and future policy.
- They confront companies about their behaviour and activities. We call this ‘engagement’.
Making a visible impact
The Sustainable Impact Dashboard on the personal pension page shows employees exactly what impact they are making through their pension contribution. Employers receive an annual summary of the impact they have made with their pension capital.