We recognise that as fiduciaries, entrusted with the savings of millions of individuals, we have responsibilities that go beyond those defined in any contract - these are to our clients and their ultimate beneficiaries, and also to the financial community and broader society in which we operate. We have these responsibilities because our activities will have impacts on the world in which our beneficiaries live and work today as well as the one in which they will retire into tomorrow.
We are cognisant of our commitment to clients to deliver superior risk-adjusted investment returns within the terms of our mandate. We also understand however, that the way we achieve our investment objectives will have an impact that is more than purely financial. As such we seek to provide both for a better financial future as well as for a better, more sustainable, society in which to spend that future. We seek holistic returns.
More detail about our approach is set out below.