Our Beliefs and Approach

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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-766b36a1b8" class="cmp-text"> <h4 style=" text-align: center; ">At Colonial First State, we define responsible investment as a strategy and practice that incorporates a range of ESG and climate-related factors in the investment decision-making process.</h4> </div> </div> <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-fefdf4c795" class="cmp-text"> <h4 style=" text-align: center; ">We also believe that as stewards of your investments, investing responsibly is about the careful execution of our investment duties on your behalf. <a data-tracker-locationid="cfs | text2-ourbeliefs" href="https://www.cfs.com.au/about-us/corporate-profile/responsible-investment/our-beliefs-lead-to-our-approach.html#belief"><span class="colour--blue-1">Our beliefs</span></a> form the core of our <a data-tracker-locationid="cfs | text2-responsibleinvestmentpolicy" href="/content/dam/cfs-winged/documents/about-us/corporate-governance/AIL-Responsible-Investment-Policy.pdf" target="_blank" rel="noopener noreferrer">Responsible Investment Policy</a> – and this shapes our six strategic pillars.</h4> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="container-3912aad6eb" 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--grey-4 "> <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--default--none aem-GridColumn--phone--none aem-GridColumn--default--9 aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--offset--default--2"> <div id="title-426d2dbe04" class="cmp-title"> <h4 class="cmp-title__text text--left colour-- h4">Our beliefs</h4> </div> </div> <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-e2c1cdf76a" class="cmp-text"> <ul><li><span class="p2"><span class="colour--grey-1">Good investment management of ESG and climate risks can improve the potential long-term performance of companies and, as a result, also improve returns for members.</span></span></li><li><span class="p2"><span class="colour--grey-1">Climate is a financial risk that will have economic and social impact and needs to be managed.</span></span></li><li><span class="p2"><span class="colour--grey-1">Active ownership (for example, working with investment managers to vote on our behalf at shareholder meetings for the companies we’re invested in) can lead to better long-term return</span></span></li></ul> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="container-4f72c31540" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-lg 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-1236423711" class="cmp-title"> <h3 class="cmp-title__text text--center colour-- h3">Our approach</h3> </div> </div> <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-173b03e319" class="cmp-text"> <p>Due to the diversity of beliefs our members hold, we aim to offer choice when considering environmental, social and governance considerations into the investment process.</p> <p> </p> <p>CFS’s approach to asset stewardship and delivering sustainable investment outcomes is driven by <a href="/content/cfs-winged/au/en/about-us/corporate-profile/responsible-investment/our-beliefs-lead-to-our-approach.html#belief" data-tracker-locationid="cfs | text1-ourbeliefs">our beliefs</a> and outlined in our <a href="/content/dam/cfs-winged/documents/about-us/corporate-governance/AIL-Responsible-Investment-Policy.pdf" target="_blank" data-tracker-locationid="cfs | text1-responsibleinvestmentpolicy" rel="noopener noreferrer">Responsible Investment Policy</a>.</p> <p> </p> <p>Whilst the depth to which we can integrate ESG and climate risk considerations into our process will differ depending on the product, the approach will centre around our six strategic pillars:</p> </div> </div> <div class="accordion panelcontainer 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="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" id="accordion-29bc989906" class=" Accordion Accordion--heading-alignment-center Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-29bc989906-item-274dc52603-header" data-title="ESG Integration"> <div class="Accordion__ItemHeaderNumber"> 1 </div> <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">ESG Integration</div> </button> <div class="Accordion__ItemPanel" id="accordion-29bc989906-item-274dc52603-panel" role="region" aria-labelledby="accordion-29bc989906-item-274dc52603-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-274dc52603" 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--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-6f26936bc9" class="cmp-text"> <p>ESG integration is defined as ‘the explicit and systematic inclusion of ESG issues in investment analysis and investment decisions’’. <sup>1</sup> Whilst each of our appointed external investment managers will have their own approach and philosophy towards ESG risks and opportunities, we need to understand the extent to which the manager integrates these factors into their investment strategy and processes. This is done prior to appointment on the FirstChoice platform through an analysis of the manager’s third party ESG rating, climate metrics and manager meetings. Discussion in these meetings will follow the manager’s approach towards our own six strategic pillars. </p> <p> </p> <p><sub>1 <a href="https://www.unpri.org/investment-tools/what-is-esg-integration/3052.article#:~:text=The%20PRI%20defines%20ESG%20integration%20as%20%E2%80%9Cthe%20explicit,decisions%2C%20including%20environmental%2C%20social%2C%20and%20governance%20%28ESG%29%20factors.">What is ESG integration? | Article | PRI (unpri.org)</a></sub></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-29bc989906-item-0a26e5d182-header" data-title="Active Ownership "> <div class="Accordion__ItemHeaderNumber"> 2 </div> <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">Active Ownership </div> </button> <div class="Accordion__ItemPanel" id="accordion-29bc989906-item-0a26e5d182-panel" role="region" aria-labelledby="accordion-29bc989906-item-0a26e5d182-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-0a26e5d182" 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--default--8 "> <div class="title aem-GridColumn aem-GridColumn--default--8"> <div id="title-879b610880" class="cmp-title"> <h4 class="cmp-title__text text--left colour-- h4">Voting and engagement </h4> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-e915f49b21" class="cmp-text"> <p>We believe it is part of our stewardship role to exercise our rights as shareholder. This includes voting on how a company operates its business and engaging with them to encourage change. To do this we use a third-party stewardship provider, EOS at Federated Hermes, our external investment managers and in collaboration with our industry peers.</p> </div> </div> <div class="title aem-GridColumn aem-GridColumn--default--8"> <div id="title-8fd68bd6f1" class="cmp-title"> <h4 class="cmp-title__text text--left colour-- h4">Exclusions </h4> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-eb174ff460" class="cmp-text"> <p>In general, we will not take a position on, or make judgement of, an ethical or socially responsible issue unless it is specific to our investment strategy. However, there may be some ESG risks, ethical issues and circumstances in which we believe it is appropriate to take action, whether that’s through the use of negative screens, exclusions or active engagement with our investment managers.</p> <p> </p> <p>Across the entire FirstChoice platform we have two exclusions, tobacco producers and controversial weapons manufacturers. For definitions and more information on our exclusions please see <a href="/content/cfs-winged/au/en/about-us/responsible-investing/active-ownership.html#exclusions" data-tracker-locationid="cfs | text2-activeownershipcfscomau">Active ownership (cfs.com.au)</a>.</p> <p> </p> <p>Our exclusion framework is further explained in our <a href="/content/dam/cfs-winged/documents/about-us/corporate-governance/AIL-Responsible-Investment-Policy.pdf" target="_blank" data-tracker-locationid="cfs | text2-responsibleinvestmentpolicy" rel="noopener noreferrer">Responsible Investment Policy</a>.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-29bc989906-item-81478d5894-header" data-title="Climate"> <div class="Accordion__ItemHeaderNumber"> 3 </div> <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</div> </button> <div class="Accordion__ItemPanel" id="accordion-29bc989906-item-81478d5894-panel" role="region" aria-labelledby="accordion-29bc989906-item-81478d5894-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-81478d5894" 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--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-13cd9f226b" class="cmp-text"> <p>As it states in the <a href="/content/dam/cfs-winged/documents/about-us/corporate-governance/AIL-Responsible-Investment-Policy.pdf" target="_blank" data-tracker-locationid="cfs | text1-responsibleinvestmentpolicy" rel="noopener noreferrer">Responsible Investment Policy</a>, we believe that climate change is a financial risk that will have economic and social impact and needs to be managed. Poor company management of climate change risks could result in financial losses, litigation liabilities, and the devaluation of tangible and intangible assets – all of which could impact shareholder value and increase the volatility of investor returns.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-29bc989906-item-2599f1caba-header" data-title="Modern Slavery"> <div class="Accordion__ItemHeaderNumber"> 4 </div> <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">Modern Slavery</div> </button> <div class="Accordion__ItemPanel" id="accordion-29bc989906-item-2599f1caba-panel" role="region" aria-labelledby="accordion-29bc989906-item-2599f1caba-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-2599f1caba" 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--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-fe5ceef42a" class="cmp-text"> <p>At Colonial First State, we believe modern slavery has no place in society and we all share the responsibility to eradicate it as a matter of priority. Aside from the huge impacts on society and, of course, the individuals involved, modern slavery has negative repercussions for companies and future development. Any company that profits from using forced labour is doing so illegally. Unfortunately, that doesn't mean it isn't happening. In fact, according to the International Labour Organisation (ILO), total profits obtained from the use of forced labour in the private economy worldwide is estimated to be around US$236 billion per year.<sup>2</sup></p> <p> </p> <p><sub>2 Profits and Poverty: The economics of forced labour ILO March 2024 <a href="https://www.ilo.org/sites/default/files/wcmsp5/groups/public/@ed_norm/@ipec/documents/publication/wcms_918034.pdf">wcms_918034.pdf (ilo.org)</a></sub></p> <p> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-29bc989906-item-548a2a5b8e-header" data-title="Diversity, Equity & Inclusion "> <div class="Accordion__ItemHeaderNumber"> 5 </div> <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">Diversity, Equity & Inclusion </div> </button> <div class="Accordion__ItemPanel" id="accordion-29bc989906-item-548a2a5b8e-panel" role="region" aria-labelledby="accordion-29bc989906-item-548a2a5b8e-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-548a2a5b8e" 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--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-dcaea35e98" class="cmp-text"> <p>These are values that seek to promote fair treatment and full participation of all people, particularly those groups who have previously been underrepresented. Many organisations now attempt to embody these values through frameworks within their organisations.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-29bc989906-item-d5fda88a36-header" data-title="Nature & Biodiversity"> <div class="Accordion__ItemHeaderNumber"> 6 </div> <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">Nature & Biodiversity</div> </button> <div class="Accordion__ItemPanel" id="accordion-29bc989906-item-d5fda88a36-panel" role="region" aria-labelledby="accordion-29bc989906-item-d5fda88a36-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-d5fda88a36" 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--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-5243ecee7c" class="cmp-text"> <p>Whilst the environment in ‘ESG’ has been prominent for some time, many organisations are now also focusing on nature and biodiversity. By this, we mean the variety of all living things on Earth and how they participate in and contribute to life, through providing everything necessary for our survival, such as food, water and oxygen.</p> </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-2b23405d37" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--grey-4 "> <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-49d9ee1624" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Useful Tools</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-667d7c332f" 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"> <div class="CardInfo__TagContainer"> <span class="CardInfo__Tag">Tool</span> </div> <h3 class="CardInfo__Heading h3"> Funds and Performance tool </h3> <div class="CardInfo__ContentCopy"> <p>Plan, compare and monitor your investments with our new tool.</p> </div> <div class="CardInfo__Buttons"> <div class="CardInfo__Button"> <a data-tracker-locationid="cfs:next:about-us:responsible-investing:our-beliefs-and-approach | 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"> View tool </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"> <div class="CardInfo__TagContainer"> <span class="CardInfo__Tag">Tool</span> </div> <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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">Information on this webpage is provided by Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) and Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (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 data-tracker-locationid="cfs | disclaimer1-wwwcfscomautmd" href="https://www.cfs.com.au/tmd">www.cfs.com.au/tmd</a>, which include a description of who a financial product might suit. You should read the Financial Services Guide (FSG) available online for information about our services. 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