Is your money invested in a sustainable way?

Learn how your money could be affecting climate change

Supporting a sustainable future can mean looking after your savings as well as the planet

At Standard Life, we’re focusing on helping you towards a better financial future. As part of that, we’re working towards a more sustainable way of investing while looking after your savings.

Sustainability means meeting the needs of the present without compromising the ability of future generations to meet their own needs; as defined by the United Nations.

We want to tell you about how your investments are considering the impact of climate change

Climate change is the long-term shift in temperatures and weather patterns. How you’re investing could have either a positive or negative affect on tackling the climate crisis.

We want to help you have a better financial future

That's why we know we have a vital role to play in addressing the biggest challenges of our time, like climate change

Read our Fund Climate Report to find out more

Learn more in our Climate Information Guide

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The report shows climate information for our With Profit and Unit Linked Funds:

: With profit funds will have a variety of different types of investments, known as assets. The combination and amounts of these assets will depend on the policy you have.

The climate figures for each with profits fund uses the average mix of assets held as at 31 December 2022.

You can find out more about your with profits investment with us here: https://www.thephoenixgroup.com/customer-support/with-profits
: A unit-linked fund, otherwise known as an insured fund, is a fund that is linked to a plan issued by an insurance company that lets you combine your money with other planholders. Read our guide to find out more.
: Lifestyle profiles are investment options that are designed to make it easy for you to save for retirement. They’re invested in unit linked funds which gradually and automatically move into different funds which are carefully chosen to reflect how you plan to take your money in retirement.

The funds you’re invested in will depend on how close you are to retirement. You can see these by looking at your annual statement.
: A mutual fund is another way to pool your money with other investors. They’re typically managed by asset managers who will invest the mutual fund in line with its objective. You may be invested in a mutual fund through one of our Self Invested Personal Pension (SIPP) products but they aren’t included in our Fund Climate Report. To find out more on the climate information for these funds, you need to visit the relevant fund manager’s website.

Taking action on climate change

Find out more about our commitment to sustainable investing and business practices

Read our entity report

Moving to a low-carbon economy could have an impact on your savings and help drive a more sustainable future

As we move to a low-carbon economy, some companies could face significant financial challenges. This can happen through a number of ways. It could be a lack of demand for their products or a lack of support from investors. It might be failure to adapt to regulatory change or changes in the decisions people make when they’re buying products or their actions when they use them.

On the other hand, there may be opportunities for growth in new markets from companies coming up with solutions to sustainable issues and challenges.

As part of Phoenix Group, Standard Life is taking action to invest in the future we all want. We've set clear targets to help fight climate change, and to drive a wider more positive impact on our sector and economy.

Learn how responsible investment aims to make you money without compromising the future

Discover more
Read our Sustainability Report to find out how we try to consider sustainability, responsible investing, and good governance in everything we do

Sustainability Report
Understand how investing in our planet could also make sense for your pension

Find out more

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If there is no data presented for the fund you are invested in; this can either be because the fund does not hold any in scope assets (e.g. cash and property are out of scope), or they are invested via an external manager and we are still working closely with them to get the data. In the latter instance please contact the external manager for their fund climate report by visiting their homepage using the following links.

Fund Manager	Fund Manage Link
Ninety One	We are Ninety One
AQR	AQR UCITS
abrdn	abrdn
Aviva	Investment Products and Capabilities - Aviva Investors
Janus Henderson	Janus Henderson Investors
Jupiter	Individual Investors - Jupiter Asset Management
Schroder	UK Individual Homepage
TM Brunsdon	Brunsdon Financial - Financial Advice, Employee Benefits, Mortgages
Mercer Global Investments	Mercer \| Welcome to brighter

The value of any investment can go down as well as up and could be worth less than was paid in.