Investments in line with our values

Responsible Investing covers a broad investment landscape: from environmental, social and governance (ESG) integration – where ESG factors are included in traditional financial analysis – to Impact Investing, where meeting a goal with social benefits is prioritized ahead of financial returns.

The LPP/BVG-10 ESG, LPP/BVG-25 ESG, LPP/BVG-40 ESG and LPP/BVG-60 ESG portfolios are managed in accordance with the principles of sustainable development. Most of the assets will be invested in securities whose issuers are deemed to comply with environmental, social and governance (ESG) criteria.

Details about our investment porfolios

Approach to responsible investment

Exclusion

Exclusion

Screen investments based on company conduct or products and services considered controversial.

Best-in-Class

Best-in-Class

Select top companies within each sector using ESG criteria.

Sustainability themes

Sustainability themes

Construct themes benefiting from social and environmental trends.

Best-in-Class

Impact investing

Intentionally seek and actively measure environmental and social impact, with financial return.

Philanthropy

Philanthropy

Consider private initiatives, for the public good, focusing on social or environmental outcomes without financial returns.

 

The objective of integrating these principles into the investment process is to:

  • generate superior long-term risk-adjusted performance;
  • influence the actions of management teams through dialogue and/or the exercise of voting rights;
  • induce positive social and environmental effects.

Select your investment strategy

Our portfolios offer you different investment strategies, a more flexible allocation of your assets as well as a greater capacity to cope with fluctuations in the economy.

How to open an account

Investment portfolios

Security

“LPP/BVG-Short-Mid Term Bonds” portfolio

You attach considerable importance to preserving your capital and to security. You want to avoid major price fluctuations and, as such, are ready to forego higher returns for additional security.

This portfolio:

  • may invest only in bonds, and the average residual maturity of the portfolio may not exceed three years;
  • is particularly geared towards preserving capital;
  • seeks to earn a reasonable return;
  • is relatively low-risk.

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Defensive

“LPP/BVG-10 ESG” portfolio

You seek an attractive performance but want to limit the risk of depreciation in the amount of your capital. You are thus willing to accept some price fluctuations, but to a limited extent.

This portfolio:

  • may invest in all asset classes authorised by OPP2. The equity portion of the portfolio must comprise between 5% and 15% of the total assets;
  • limits the chances of the capital decreasing during difficult times;
  • seeks to earn a moderate return over time;
  • has the lowest risk profile of the four balanced portfolios.

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Growth

“LPP/BVG-25 ESG” portfolio

You want to diversify your investments and can readily accept price fluctuations. You expect a higher performance than the LPP/BVG-10 portfolio and are thus willing to incur higher risks.

This portfolio:

  • may invest in all asset classes authorised by OPP2. The equity portion of the portfolio must comprise between 15% and 35% of the total assets;
  • offers attractive diversification;
  • seeks to earn attractive returns over time;
  • has a higher risk profile than the LPP/BVG-10 portfolio as 25% of the portfolio on average is invested in equities.

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Flexibility

“LPP/BVG-Multi Asset Flexible” portfolio

You are looking for a portfolio that seeks to earn an absolute return in all market conditions thanks to diversification and greater flexibility in asset allocation whilst following strict risk management. You do not want to invest only in traditional asset classes and are willing to accept price fluctuations, but to a limited degree.

This portfolio:

  • may invest in all OPP2-authorised asset classes and seeks to earn an absolute return of 3% over the ICE LIBOR CHF overnight rate over a market cycle (3 to 5 years);
  • targets average volatility of 5%, which must not exceed 8%;
  • seeks to achieve steady capital appreciation over the long term;
  • involves a moderate degree of risk, given that particular attention is paid to keeping volatility under control.

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Dynamic

“LPP/BVG-40 ESG” Portfolio

You want to invest your capital so that it achieves the highest performance possible for the risks involved. You can accept any degree of price volatility.

This portfolio:

  • may invest in all asset classes authorised by OPP2. The equity portion of the portfolio must comprise between 30% and 50% of the total assets;
  • seeks to achieve substantial capital appreciation in the long term;
  • offers higher performance prospects than the other portfolios;
  • is the riskiest of all the portfolios.

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Offensive

“LPP/BVG-60 ESG” Portfolio

You are looking to maximize the performance of your investment and are prepared to take significant risks, whilst being able to assume all price fluctuations during the term of your investment. In this case, the BVG/LPP-60 ESG portfolio meets your needs.

This portfolio:

  • may invest in all asset classes authorized by OPP2. The equity portion of the portfolio must comprise between 45% and 75% of the total assets;
  • seeks to achieve substantial capital appreciation in the long term;
  • offers higher performance prospects than the other portfolios;
  • has the highest risk factor of all portfolios.

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