Find your sustainable product 

The entity that holds the label for one or more of its products.

The type of financial product covered by the label — for example a (mutual) fund, insurance contract, savings account, structured product, or term account.

An asset class is a group of investments that share similar characteristics and that may be subject to the same rules and regulations. A product can focus on one or on a mix of asset classes.

Geographical investment focus of the product

The Summary Risk Indicator (SRI) is a standard measure used in the European Union that rates the risk of an investment product on a simple scale from 1 (lowest risk) to 7 (highest risk).  

A sustainable financial portfolio should make use of 4 strategies:

1. ESG integration

2. Normative screening

3. Exclusion

4. One main additional strategy

The first 3 strategies ensure the portfolio does not finance activities that pose significant harm to sustainability factors. The additional strategy supports the ESG characteristics or the sustainable objectives the portfolio wants to achieve and it can have varying degrees of selectivity or focus:

a) Best-in-class/universe selection

b) Sustainability themed investing

c) Impact investing

d) Do better than a benchmark on one or more ESG indicators

e) Other strategy that results in favouring more sustainable issuers in the selection process

In addition, engaging in a dialogue with companies and/or exercising voting rights in the investee companies is strongly encouraged, especially if the portfolio invests in high-risk sectors such as textile, agriculture, etc. For investments in the fossil fuel sector, engagement is mandatory.

Main sector that is prioritised by the product's investment strategy

Indicates how much better the portfolio scores than the average for its category on specific sustainability issues.

  The portfolio's exposure to companies active in fossil fuel activities (coal, unconventional and conventional oil & gas, fossil power generation)

The Sustainable Finance Disclosure Regulation (SFDR) sets out mandatory ESG disclosures requirements for asset managers to comply with, to create a more transparent playing field, partly to prevent greenwashing.

SFDR creates 2 categories of sustainable products :

Article 8: Funds that promote environmental or social characteristics (light green)

Article 9: Funds that have sustainable investment as their objective (dark green)

Savings products, structured notes and Branch 21 products are not in scope.

  The minimum share of the portfolio's investments that must be aligned with the EU Taxonomy Regulation. An economic activity is "Taxonomy-aligned" when it makes a substantial contribution to at least one climate objective, Does No Significant Harm (DNSH) to the others, and meets Minimum Safeguards.