Much has changed recently in the financial world in terms of sustainability, including in investing. This is because many new regulations have been introduced that require companies to be more transparent. When providing investment services, ABN AMRO also complies with a number of new rules on sustainability. On this page, we explain what these new sustainability rules mean in practice for you as an investor.
Will you be investing at ABN AMRO? You may choose to take sustainability into account in your investments. When you start investing with Portfolio Management, we determine your investor profile with you before you start investing. We will ask you a number of questions for this purpose concerning:
These questions determine your risk profile and your sustainability profile. Together with your knowledge and experience, this forms your investor profile. We will then work with you to see which form of Portfolio Management mandate suits your investor profile.
On this page, we only explain the sustainability profile and indicate what else you can expect in terms of information if you include sustainability in your investments.
At ABN AMRO, we currently have four sustainability profiles:
You can find more background information on the criteria that apply to the different sustainability profiles here.
To find out what your sustainability preferences are, we will ask you a few questions. These questions can be divided into 3 categories, for example, we ask if you:
More information on what key adverse effects are for sustainability factors, sustainable investments and taxonomy investments can be found under the heading ‘Information on definitions’. Do you not have sustainability preferences? This is of course possible and you can also indicate this in the questionnaire. We do not have to take that into account then.
A sustainability profile follows from your answers about your sustainability preferences. Our products within Portfolio Management also each have their own sustainability profile. This way, we ensure that our offer matches your preferences.
In addition to recording sustainability preferences, we will now provide you with more information about sustainability and our products. You will receive information about the sustainability of your investments from us:
Before you start investing
You will receive information about product sustainability before you open an investment account with ABN AMRO for Portfolio Management. You can also find sustainability information on the website of our Portfolio Management and products. This includes the product's sustainability characteristics and risks.
During the period you invest
If you're investing in Portfolio Management, we will inform you annually about the sustainability of your investment portfolio. We do this through the (mandatory) annual reports. You can find more information on that at the bottom of this page. In addition, you will receive quarterly sustainability insights for your portfolio as part of your personal asset management report.
You can read more about exactly what information you receive below under 'Sustainability information at product level'.
The European Sustainable Finance Disclosure Regulation (SFDR) is mainly about transparency: investment providers must provide information on the extent to which they incorporate sustainability into their investment products. Therefore, you will receive a number of information documents from us. These documents give you an insight into the sustainability aspects of our products. Below, we briefly explain what you can expect from each document.
If you choose Portfolio Management, you will receive the mandatory Pre-Contractual Disclosure document from us. This document has a mandatory format, so all providers use the same document. In it, you can read more details about the sustainability features of the mandate.
The Pre-Contract Disclosure gives you insight into the mandate's sustainability ambitions and how we measure the achievement of these ambitions. You will also find in this document an overview of how we deal with key adverse sustainability impacts, responsible governance practices and international standards.
You can also find the pre-contract disclosures on the mandate product page. To do so, see the links at the bottom of this page.
The Sustainability Information document can be found on the website of our Portfolio Management mandates. In it, we give you more information on how we try to realise the ambitions from the product's sustainability ambitions.
The Sustainability Information document elaborates on how we measure the mandate's sustainability ambitions. We also elaborate on what data we use for this purpose, what types of engagement we apply and how we determine which investments are suitable for the mandate.
You can find the Sustainability Information document on the mandate page. To do so, see the links at the bottom of this page.
If you choose Portfolio Management, you will receive the Transparency Integration Sustainability Risks document from us. Sustainability risks are environmental, social or governance (“ESG”) events or conditions that may affect the value of the investment.
In this document, we explain more about sustainability risks and how they affect the product. We also explain how we factor sustainability risks into our investment policy and how we try to manage these risks.
You can find the Transparency Integration Sustainability Risk document on the mandate page. To do so, see the links at the bottom of this page.
If you opt for Portfolio Management, you will receive an annual report from us showing you how sustainably investments have been made over the past period. This annual report gives you an insight into the realisation of the mandate's sustainability ambitions over the past calendar year. The first periodic report will cover the calendar year 2023.
In addition to the sustainability information ABN AMRO provides on its products, ABN AMRO also provides more information on sustainability at company level. Based on SFDR, ABN AMRO provides company-level transparency on:
Our remuneration policy sets out how we incorporate sustainability risks and how we ensure that remuneration does not lead to investment decisions that are inconsistent with our strategy as regards to integrating sustainability into our investment policy.
We have identified which employee groups may contribute to the level of sustainability risk within Portfolio Management. For these groups of employees, we have set targets on managing sustainability risks.
We set these targets at the beginning of the year. At the end of each year, we look at the extent to which these targets have been met. Partly on this basis, we set the remuneration of employees.
Finally, we also indicate at company level the extent to which we take into account the main adverse effects related to sustainability. These are the main adverse consequences of our investment decisions, impacting:
In the statement, we also explain how we factor the main adverse effects into our investment policy. And each year on 30 June, you will find in this statement an annual report for the previous year on the actual negative impacts on sustainability factors. This way, you can ultimately see the main adverse effects on the sustainability factors of our investment policy up to 5 years in the past. The first annual report was published on 30 June 2023.
Investing involves risks. You could lose (some of) the money you invested. If you are going to invest, it is important that you are aware of this. Invest with money you can spare. Read more about the risks associated with investments.
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