• English

Go to website

• Why Follow an ESG Approach ? - AllianceBernstein

  . . . .Some readers

• How do I change my investment approach?

  To change your investment approach, follow the steps on the video below.Some readers

• How is my money invested?

  To make your investments work for you, we partnered with the Money Manager AllianceBernstein, which has more than 50 years of experience in investment management. Your money is invested in a financial instrument designed specifically for retirement, which is called Target Date Fund (TDF).Some readers

• What is the Collegia Investment Approach?

  Collegia partners with Alliance Bernstein because they take Environmental, Social and Corporate Governance (ESG) into consideration when making their investments. ESG can be broadly defined and sometimes very confusing. Nonetheless, we believe that it’s important to direct investments to companies that are actively trying to cope with societal and environmental challenges we face, regardless of industry.Some readers

• What is the Collegia approach to Sustainability and ESG?

  Collegia believes they impact the performance of the investments. For that reason, we chose a Money Manager that actively considers them in the investment process. All investments are made under the UN Principles for Responsible Investment and ESG factors are integrated into the research and investment process. As a consequence, the Collegia pension seeks to exclude industries associated to high ESG risk (controversial businesses) such as: alcohol, tobacco, gambling, adult entertainment, firearmSome readers

• What is a Target Date Fund?

  Target Date Funds (TDFs) are financial instruments in which different people with the same expected retirement date combine their money together to gain the advantages of being part of a large group. In TDFs, your investments are more adventurous at the beginning of your career. As you approach retirement, they become more cautious.Some readers

• What is the default option?

  If your company has enrolled you into Automatic Enrolment, the default option is where your money will be invested automatically, even if you don’t provide any additional information and decide not to access your pension.Some readers