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For the benefit of our customers. We believe in the engagement and active ownership approach.We think our role at PensionBee is to be a responsible and vigilant asset owner, to help challenge bad corporate behaviour where it has a material impact on our customers’ pensions and to engage with management teams that do not propose timelines for appropriate change.When it comes to active ownership, PensionBee uses surveys, interviews and focus groups in order to understand the areas of most importance to our customers. We then share these views with our managers, who use direct engagement before AGMs to advance material sustainability insights to enhance long-term risk adjusted return and then block vote across all the assets, where they do not make sufficient progress with the engagement. For some companies voting is the only way to signal dissatisfaction with the direction of travel.As active owners we meet with the global investment stewardship teams of our managers on a regular basis to understand the rationale behind their engagement and voting policies and to provide robust challenge to their voting record on areas of key focus for our customers. We do this with the purpose of driving up levels of transparency and accountability around their direct engagement activities, applying scrutiny to their voting record and demonstrating our commitment to active ownership.Voting - UK onlyIn the UK, BlackRock and SSGA granted us “Voting Choice” from the 2023 proxy voting season. This gives institutional clients, such as PensionBee, the ability to participate in voting decisions at the in-scope Annual General Meetings (AGM) of the major global companies where they are asset owners.Voting Choice is currently available in three PensionBee plans; the Tailored Plan, the Tracker Plan and the 4Plus Plan, which together represent 85% of the asset base. Under Voting Choice we are offered the ability to vote using a standardised voting policy from Institutional Shareholder Services, a global proxy voting provider.PensionBee has used ISS’s Socially Responsible Investment (SRI) voting policy in these plans from May 2023 onwards. We selected this voting policy as it best aligns with our customers’ vote preferences, which we collect Actively managed component and managers have discretion to use unscreened third party funds to meet the target return objective.We continue to work with UK asset managers to further expand the scope of ESG integration into our plan range, where there is the availability of building blocks and transaction costs can be kept to a minimum. We do this in line with the views of our customer base, which we seek through surveys.In 2023, SSGA announced a number of ESG changes to their UK funds. Exclusionary screens for tobacco and thermal coal were introduced to the Tracker and Pre-Annuity Plans. And as a result of environmental and social characteristics to the investment process for the Preserve Plan, the plan was reclassified from Article 6 to Article 8 under the Sustainable Finance Disclosure Regulation (SFDR).Gambling is considered a controversial sector due to the impact it can have on families, communities and mental health. Therefore, gambling has been actively excluded from some of our investments, including our Impact and Shariah Plans.Working with othersGood Work CoalitionSince 2020, PensionBee has been an active member of ShareAction’s Good Work Coalition. We join other accredited Living Wage investors to collectively engage companies on good work standards, such as paying the Living Wage, providing secure work through Living Hours and taking action on diversity and inclusion through the Ethnicity Pay Gap Campaign. In 2023 we have continued to add our name to calls for publicly listed companies to prioritise support for their lowest-paid employees and meet the new real Living Wage rates during the cost of living crisis.Long-term Investors in People’s HealthIn 2024, PensionBee became an investor signatory of ShareAction’s Long-term Investors in People’s Health initiative, a global programme that supports investors to give greater priority to health within their work. In 2024, we publicly supported ShareAction as they were coordinating the shareholder resolution put forward to Nestlé, the world’s largest food manufacturer, asking to increase the ratio of healthy foods it offers consumers. PensionBee also supported the shareholder resolution asking McDonald’s, the largest beef purchaser in the world, to comply with the World Health Organisation (WHO) guidelines

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Climate Plan’s factsheet will be produced quarterly and available on our website, and in your online account, your BeeHive. As this is a new fund, the first factsheet, for Q4 2024, will be available at the end of January 2025. ‍View the factsheet for the underlying MSCI index.What are the risks?As always with investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest.The Climate Plan is a 100% equity-based investment and therefore considered a higher-risk plan. As of September 2024, the plan invests in 825 companies around the world.One feature of the new Climate Plan is that it can take advantage of the growing opportunities in the shift towards a low-carbon economy, such as by increasing investments in environmentally friendly businesses. This approach also helps protect against risks by avoiding industries and assets that might lose value if the transition to a low-carbon future doesn't go smoothly. These "stranded assets" are investments that could become almost worthless due to new government regulations, changing public opinions, or shifting consumer preferences.Does this plan have the same level of FSCS protection as other PensionBee plans?Yes, the PensionBee Climate Plan, like all our plans, is structured as a long-term insurance contract, which means that if something happens to the money manager and the FSCS accepts the claim, they would cover the pension at 100% with no upper cap. Read more on FSCS protections.How can I share my views on the plan?If you’d like to ask us any questions about this plan or share your views, you can email us at [email protected]. We’d love to hear from you!Important: With investments, your capital is at risk. Pensions can go down in value as well as up, so you. Today's Pensionbee coupon codes and promo codes, discount up to 50 at Pensionbee(pensionbee.com), 100% save money with verified coupons at CouponWCode now!

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We also publish vote records and voting reports for each proxy voting season on our ESG Document Hub.For our remaining plans, and in the US, our managers continue to use direct engagement before votes to advance material sustainability insights to enhance long-term risk-adjusted returns and then block vote across all the assets.5. Climate commitmentsMinimising our impact on the environmentIn order to minimise our environmental impact, we use cloud-hosted web services which remove the need for servers. We offer fully remote working to employees in both the UK and US, which greatly reduces commuting emissions for those who wish to work permanently from home, as well as allowing us to recruit from further afield, in a more inclusive way.PensionBee is a paperless pension provider. Our communications are digital, with annual statements available to download in the BeeHive. In the UK we estimate that the pensions industry still sends out approximately 40m paper packs each year by post and we have long campaigned for other providers to reduce their use of paper.Net zeroIn 2023 PensionBee made its net zero commitment to achieving a long-term reduction in greenhouse gas (GHG) emissions across all operations and investments by 2050. These targets are aligned with the Paris Agreement and are consistent with emissions reductions required to keep global warming within 1.5°C.To achieve this, PensionBee will reduce Scope 1 and 2 GHG emissions by 90% by 2050 from a 2022 baseline. Our long-term target for Scope 1 and 2 absolute emissions by 2050 is 1.2 tCO~2~e.The Company will also reduce Scope 3 (Category 15 GHG Protocol) emissions associated with the investment portfolio by 90% by 2050 from a baseline of 2019. The long term WACI emissions target is 17.8 tCO~2~e per $m Revenue by 2050.We also committed to reviewing our target ambition and metrics as our global business evolves. We publish our progress annually to ensure that we remain aligned with the best understanding of the science required to achieve 1.5C limited warming by 2100.Our global asset managers, BlackRock and SSGA, are members of the Net Zero Asset Managers Initiative. They regularly disclose their own net Net zero emissions by 2050 through an accelerated decarbonisation strategy. The plan’s objective is to align with the goals of the Paris Agreement to keep the rise in global surface temperature well below 2°C above pre-industrial levels. It does this by continually reducing the total intensity of the GreenHouse Gas (GHG) emissions produced by companies in the plan by at least 10% each year. So, even if the global economy uses more carbon over time, the Climate Plan will move in the opposite direction, always using less.We also have a Shariah Plan that only invests in Shariah-compliant funds, which are a branch of socially responsible investing shaped by the Islamic faith. All investments are approved by an independent Shariah committee, who work closely with the fund managers, State Street Global Advisors and HSBC. Anyone can choose the PensionBee Shariah Plan including those who want to invest according to the Islamic faith as it excludes investments in alcohol, gambling, tobacco, military equipment or weapons, pornography and any products containing pork.You can find out more about all our responsible plans on our pension plans page.Risk warningAs always with investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice.Last edited: 05-12-2024

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Are.For example, a responsible investment fund that has strict exclusions in place is referred to as having a ‘dark green’ responsible approach, while funds which focus more on engagement are typically referred to as ‘light green’.What are the different types of responsible investment fund?Responsible investing is increasing in popularity and there are dozens of responsible investment funds to choose from, specialising in different areas. Some come in the shape of an ISA, others in the shape of a pension, and exactly what they invest in can differ significantly.Some responsible funds will exclude producers and retailers of meat, poultry, fish and dairy – making them a particularly good fit for vegan investors – while others will avoid any companies that engage in human rights abuses.If you’ve got specific investment concerns then it’s always wise to look through a fund’s factsheet, as this will tell you more about how your money will be invested. You can also speak to the scheme administrator for more information.Where can you invest in a responsible investment fund?Responsible investing is growing in popularity and today most of the bigger investment companies offer a responsible focused fund. PensionBee offers two responsible investment plans especially designed for those who want to invest their money in line with their values: the Climate Plan, and the Shariah Plan.The Climate Plan invests in more than 800 publicly listed companies globally that are actively reducing their carbon emissions and leading the transition to a low-carbon economy. The Climate Plan is designed to achieve

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PensionBee has a global approach to integrating material ESG factors into its business and investments for the long-term benefit of customers, society and the planet.ContentsOur global approachUK policyUS policyEngagement and active ownership Climate commitmentsESG benchmarkingWorking with others1. Our global approachPensionBee’s vision is a world where everyone can enjoy a happy retirement.Every day we work to make that vision a reality for our customers in the form of financial freedom, good health and a socially inclusive society where there are strong corporate role models.We do this because we believe that pursuing all of these pillars of a happy retirement will lead to bigger pensions for our customers.In achieving our vision, we also aspire to be a role model within corporate society and to lead by example. We seek to maintain a socially inclusive workplace that not only reflects the rich diversity of our global customer base, but that is also a welcoming place for historically underrepresented groups in the pensions and financial services sector.This means in 2024 we seek to maintain gender parity across our business, our Executive Team and our Board. We’re proud that in the UK, our largest market where we have historically measured our diversity, 37% of our UK colleagues self-identify as coming from a minority ethnic group. We are also proud to have achieved a workplace in which 90% of UK colleagues tell us they feel aligned with PensionBee’s mission, vision and values.As part of our vision for helping our customers achieve a happy retirement we take our responsibilities as an asset owner to heart. We recognise we have an important role to play in driving positive change through our customers’ ownership in some of the world’s largest companies.Our approach in both the US and the UK is led by customers and reflective of the local regulations, sentiment and market approach.Global investment philosophyPensionBee believes that investments should be diversified, low-cost, and simple to understand. This philosophy is carried across all our investment plans, to the extent compatible with the desired financial outcomes.PensionBee plans are predominantly passively managed index-based investments. This means that our plans generally don’t carry. Today's Pensionbee coupon codes and promo codes, discount up to 50 at Pensionbee(pensionbee.com), 100% save money with verified coupons at CouponWCode now! Get the latest PensionBee coupon codes, promo codes, and discount codes. 5 available Feb. 2025 coupons. Find free shipping and new PensionBee deals.

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The risks associated with active management and returns will keep in line with the benchmark or index they track.As a result of our investment approach, our customers are the universal owners of thousands of companies around the world and collectively our financial futures depend on their long-term sustainability and success. At PensionBee we want all companies to be good corporate citizens and be part of a global investment system that rewards positive impact to the planet and society.2. UK policyIn the UK we believe that effectively managing our ESG priorities will help preserve our resilience and drive long-term value for all our stakeholders. We pursue our ESG work transparently, disclosing our goals and relevant metrics, an approach which supports accountability and enables us to keep our stakeholders apprised of our progress.In 2024 our UK ESG goals are: TopicDescriptionGoalExcellent value plan rangeTo offer market-leading investment that generate returns for our customersExcellent or good value for money score from our GAA (yearly goal)Product innovation and inclusivityA product that is simple, safe, and reactive to changing customer needs, designed with a range of needs and vulnerabilities in mind whilst enchanting access to financial products and knowledgeMaintain our 4.7/5 aggregated App Store (yearly goal)Pensions with purpose and stewardshipA responsible plan range focused on creating a safer, fairer, kinder future whilst using voice and vote to drive positive change in companies.100% of eligible customers invited to share their voting views via survey or interview (yearly goal)Cyber securityCyber security practices in place to ensure the highest levels of protection0 incidents that have a meaningful impact on confidentiality, integrity or availability in the production environment (yearly goal)Fulfilling careersA culture in which people can find meaning in their work and build a happy and fulfilling careerEmployee engagement and satisfaction of a least 80% (yearly goal)Climate leadershipA pension provider that is focused on a climate transition that is safe and fair for allReporting on progress against our science-based public net zero 2030 and 2050 targets that align with the 1.5C Paris Agreement Goals (yearly goal)Read more about the status of these goals.UK investment philosophyPensionBee’s investment philosophy in the UK