Responsible and sustainable investing at CFS

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container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-0e8ace3b36" class="cmp-text"> <h4 style=" text-align: center; ">At Colonial First State, we understand that you may have personal moral or ethical views. As respectful stewards of your investments, we believe it is important to invest in a sustainable and responsible way on your behalf.</h4> </div> </div> </div> </div> </div> </div> </div> <div class="divider container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="divider-6a4e00cccf" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-5 "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-895cbe76df" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div id="title-3dad1c1f29" class="cmp-title"> <h3 class="cmp-title__text text--center colour-- h3">What are climate and ESG factors?</h3> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="container-a95cc8df09" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--3 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2"> <div data-cmp-is="container" id="container-721c6f00da" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--2 aem-Grid--tablet--3 aem-Grid--default--2 aem-Grid--phone--12 "> <div class="image aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--2 aem-GridColumn--phone--2 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2">  <div data-cmp-is="image" class=" Image Image--desktop-crop-none Image--desktop-size-intrinsic Image--desktop-image-ratio-1by1 Image--desktop-focal-point-topLeft Image--desktop-fixed-size-1 Image--desktop-position-topLeft Image--desktop-corner-crop-off Image--mobile-crop-inherit Image--mobile-size-intrinsic Image--mobile-image-ratio-inherit Image--mobile-focal-point-inherit Image--mobile-fixed-size-inherit Image--mobile-position-inherit Image--mobile-corner-crop-inherit " style=" --desktop-fixed-size-width: 0px; 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These risks may be real or perceived, or the business of the company may impact the environment and incur financial and reputational penalties.</span></span></p> </div> </div> <div class="accordion aem-GridColumn--phone--11 aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--6"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" class=" Accordion Accordion--heading-alignment-left Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Examples of environmental risks include"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Examples of environmental risks include</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <ul><li><b>Land use</b> – logging and land clearing, causing loss and destruction of soil vegetation and habitat. This leads to possible extinction of wildlife.</li><li><b>Waste and pollution</b> – improper disposal of waste, chemical leaks and spills. This leads to reduced air quality and the contamination of water and land.</li><li><b>Resource depletion</b> – intensive agriculture could cause changes to local water supplies and be significant enough to require additional water infrastructure.<br /> </li><li><b>Climate change</b> – fossil fuel extraction and use, creating greenhouse gas emissions and contributing to global warming.</li></ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-10 "> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="container-96e47ce81e" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--3 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2"> <div data-cmp-is="container" id="container-72297325d7" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--2 aem-Grid--tablet--3 aem-Grid--default--2 aem-Grid--phone--12 "> <div class="image aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--2 aem-GridColumn--phone--2 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2">  <div data-cmp-is="image" class=" Image Image--desktop-crop-none Image--desktop-size-intrinsic Image--desktop-image-ratio-1by1 Image--desktop-focal-point-topLeft Image--desktop-fixed-size-1 Image--desktop-position-topLeft Image--desktop-corner-crop-off Image--mobile-crop-inherit Image--mobile-size-intrinsic Image--mobile-image-ratio-inherit Image--mobile-focal-point-inherit Image--mobile-fixed-size-inherit Image--mobile-position-inherit Image--mobile-corner-crop-inherit " style=" --desktop-fixed-size-width: 0px; --desktop-fixed-size-height: 0px; --mobile-fixed-size-width: 0px; --mobile-fixed-size-height: 0px; "> <div class="Image__Image"> <figure> <picture> <source media="(max-width: 992px)" srcset="/content/dam/cfs-winged/images/responsible-investing/People.svg"/> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/people-160x120.png"/> </picture> </figure> </div> <div class="Image__Spacer"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-horizontal Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-custom "> </div> </div> <div class="Image__Parsys"> <div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--offset--tablet--1"> <div data-cmp-is="container" id="container-2cc45d22e7" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--6 aem-Grid--tablet--7 aem-Grid--default--6 aem-Grid--phone--11 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--11 aem-GridColumn aem-GridColumn--tablet--6 aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="title-168b159283" class="cmp-title"> <h4 class="cmp-title__text text--left colour-- h4">Social</h4> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--11 aem-GridColumn aem-GridColumn--tablet--6 aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-daff490da4" class="cmp-text"> <p><span class="p2"><span class="colour--grey-1">The value, growth and sustainability of an investment may be impacted by social risks, where the investment may be impacted by social, labour and human rights risks.</span></span></p> </div> </div> <div class="accordion aem-GridColumn--phone--11 aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--6"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" class=" Accordion Accordion--heading-alignment-left Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Examples of social risks include"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Examples of social risks include</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <ul><li><p><b>Health and safety</b> – unsafe or unhealthy working conditions for workers.</p> </li><li><p><b>Community</b> – the treatment of indigenous communities, including re-settlement and land acquisition.</p> </li><li><p><b>Human Rights</b> – encompassing issues such as bonded labour, modern slavery and child labour.</p> </li><li><p><b>Labour standards</b> – ranging from being paid unfair wages and having to work unfair hours, to not having access to labour unions or methods of labour protection.</p> </li></ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-10 "> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="container-addbc7a649" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--3 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2"> <div data-cmp-is="container" id="container-748d4c21a1" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--2 aem-Grid--tablet--3 aem-Grid--default--2 aem-Grid--phone--12 "> <div class="image aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--2 aem-GridColumn--phone--2 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2">  <div data-cmp-is="image" class=" Image Image--desktop-crop-none Image--desktop-size-intrinsic Image--desktop-image-ratio-1by1 Image--desktop-focal-point-topLeft Image--desktop-fixed-size-1 Image--desktop-position-topLeft Image--desktop-corner-crop-off Image--mobile-crop-inherit Image--mobile-size-intrinsic Image--mobile-image-ratio-inherit Image--mobile-focal-point-inherit Image--mobile-fixed-size-inherit Image--mobile-position-inherit Image--mobile-corner-crop-inherit " style=" --desktop-fixed-size-width: 0px; --desktop-fixed-size-height: 0px; --mobile-fixed-size-width: 0px; --mobile-fixed-size-height: 0px; "> <div class="Image__Image"> <figure> <picture> <source media="(max-width: 992px)" srcset="/content/dam/cfs-winged/images/responsible-investing/Policy.svg"/> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/managed-accounts-160x120.png"/> </picture> </figure> </div> <div class="Image__Spacer"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-horizontal Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-custom "> </div> </div> <div class="Image__Parsys"> <div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--offset--tablet--1"> <div data-cmp-is="container" id="container-1b9e395eb9" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--6 aem-Grid--tablet--7 aem-Grid--default--6 aem-Grid--phone--11 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--11 aem-GridColumn aem-GridColumn--tablet--6 aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="title-7e2810b820" class="cmp-title"> <h4 class="cmp-title__text text--left colour-- h4">Governance</h4> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--11 aem-GridColumn aem-GridColumn--tablet--6 aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-999a2aba87" class="cmp-text"> <p>The value, growth and sustainability of an investment may be impacted by governance risks where the investment may be impacted by good or poor governance.</p> </div> </div> <div class="accordion aem-GridColumn--phone--11 aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--6"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" class=" Accordion Accordion--heading-alignment-left Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Examples of governance risks include"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Examples of governance risks include</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <ul><li><p><b>Transparency and accountability</b> – poor internal activities that may result in lack of transparency and lead to poor decision-making.</p> </li><li><p><b>Fraud and corruption</b> – inappropriate risk-taking or weak policies and risk management that can result in fraud.</p> </li><li><p><b>Board diversity and independence</b> – diversity of gender, independence, background, skills, experience and personal attributes could provide a quality board that is free from undue influence.</p> </li><li><p><b>Voting procedures</b> – allowing shareholders to exercise their rights through ownership practices such as engagement and raising shareholder resolutions, a company will bring to light unaccounted for or neglected risks.</p> </li></ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-10 "> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="container-7fe46e6d36" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--3 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2"> <div data-cmp-is="container" id="container-3af68b9bd0" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--2 aem-Grid--tablet--3 aem-Grid--default--2 aem-Grid--phone--12 "> <div class="image aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--2 aem-GridColumn--phone--2 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2">  <div data-cmp-is="image" class=" Image Image--desktop-crop-none Image--desktop-size-intrinsic Image--desktop-image-ratio-1by1 Image--desktop-focal-point-topLeft Image--desktop-fixed-size-1 Image--desktop-position-topLeft Image--desktop-corner-crop-off Image--mobile-crop-inherit Image--mobile-size-intrinsic Image--mobile-image-ratio-inherit Image--mobile-focal-point-inherit Image--mobile-fixed-size-inherit Image--mobile-position-inherit Image--mobile-corner-crop-inherit " style=" --desktop-fixed-size-width: 0px; --desktop-fixed-size-height: 0px; --mobile-fixed-size-width: 0px; --mobile-fixed-size-height: 0px; "> <div class="Image__Image"> <figure> <picture> <source media="(max-width: 992px)" srcset="/content/dam/cfs-winged/images/responsible-investing/Sustainable only.svg"/> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/esg-160x120.png"/> </picture> </figure> </div> <div class="Image__Spacer"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-horizontal Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-custom "> </div> </div> <div class="Image__Parsys"> <div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--offset--tablet--1"> <div data-cmp-is="container" id="container-baaae7298e" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--6 aem-Grid--tablet--7 aem-Grid--default--6 aem-Grid--phone--11 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--11 aem-GridColumn aem-GridColumn--tablet--6 aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="title-5c77fb3a1d" class="cmp-title"> <h4 class="cmp-title__text text--left colour-- h4">Climate</h4> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--11 aem-GridColumn aem-GridColumn--tablet--6 aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-c6df49a3ed" class="cmp-text"> <p><span class="p2"><span class="colour--grey-1">Climate change poses significant risks to our environment, economy and society.</span></span></p> </div> </div> <div class="accordion aem-GridColumn--phone--11 aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--6"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" class=" Accordion Accordion--heading-alignment-left Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Climate risks can be split into"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Climate risks can be split into</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <ul><li><p><b>Physical risks</b> from the direct impact of climate change on our physical environment – through loss of resource availability and biodiversity, supply chain disruptions or damage to assets from severe weather events such as storms, floods, fires, droughts, tornados, hurricanes/monsoons, tsunamis and earthquakes, as well as rising global average temperatures, rising sea levels and ocean carbonisation.</p> </li><li><p><b>Transition risks</b> from the much wider set of changes across policy, law, markets, technology and costing to address the mitigation and adaptation requirements necessary for the transition to a low-carbon economy.</p> </li></ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-c3e7cae4bc" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; 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Our aim is to make a positive contribution to people, planet, and policy.</p> </div> <div><div class="button section"> <a data-tracker-locationid="cfs:next:about-us:responsible-investing | discover-thrive+" href="https://www.cfs.com.au/thrive-plus.html" data-theme="blue" class=" Button Button--theme-blue Button--type-solid "> <span class="Button__Label"> Learn more </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-0eaf8ea92c" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div id="title-1af7a8a88c" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Tools and Resources</h2> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-6 "> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-2c1eda4135" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardleft card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="CardInfo" class="CardInfo CardInfo--layout-vertical"> <div class="CardInfo__Container "> <div class="CardInfo__Content"> <h3 class="CardInfo__Heading h3"> Funds and performance tool </h3> <div class="CardInfo__ContentCopy"> <p>Plan, compare and monitor your investments with our search tool.</p> </div> <div class="CardInfo__Buttons"> <div class="CardInfo__Button"> <a data-tracker-locationid="cfs:next:about-us:responsible-investing | funds-and-performance-tool" href="https://www.cfs.com.au/personal/resources/funds-and-performance/funds-and-performance-search.html" data-theme="black" class=" Button Button--theme-black Button--type-outline "> <span class="Button__Label"> Search now </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardleft card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="CardInfo" class="CardInfo CardInfo--layout-vertical"> <div class="CardInfo__Container "> <div class="CardInfo__Content"> <h3 class="CardInfo__Heading h3"> Risk profiler </h3> <div class="CardInfo__ContentCopy"> <p>Knowing your risk tolerance can help you make more informed investment decisions. 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Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the responsible entity and issuer of products made available under FirstChoice Investments and FirstChoice Wholesale Investments.</p> <p> </p> <p>Information on this webpage is provided by AIL and CFSIL. It may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at <a title="TMD" data-tracker-locationid="cfs | disclaimer1-httpswwwcfscomautmd" href="/content/cfs-winged/au/en/personal/products/target-market-determinations.html">https://www.cfs.com.au/tmd</a> which include a description of who a financial product might suit. 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