Together for good

Helping your employees invest responsibly and build their financial resilience. We’re taking action to help build a future worth living in.

Our population is getting older and many customers lack the means to support themselves in retirement in the way they would like. This coincides with a climate crisis that is damaging the world into which they will retire.

We can help your employees invest responsibly and create a future worth living in. 

Building a future worth living in

Climate change

By 2030, we aim to reduce carbon emissions from our investment portfolios by 50%, while also developing solutions that help our customers to invest in the low carbon transition.

 More about our climate change commitments

Our mutual status makes us different

As a mutual business, we work solely for our customers – people like you and your employees. Since 2007 through our ProfitShare scheme, eligible customers have shared in our collective success by over £1 billion.

 More on mutuality

Building financial resilience

We believe in the benefits of impartial financial advice. If you don’t have a financial adviser, we can provide support to help you and your employees make confident financial decisions.

 More on how we do this

Responsible investment

Did you know your workplace pension can help the fight against climate change? We’re cutting the carbon footprint of our investments and committing to net zero* by 2050 across our investment portfolio.

More about responsible investment

*Net zero is the balance between the carbon emitted into the atmosphere and the carbon removed from it.

Now is not the time to be passive

We’re taking steps to reduce the carbon emissions within our default investment solutions to help our customers retire into a world worth living in.

This means they'll now include an even greater focus on Environmental, Social and Governance (ESG) factors to reduce our exposure to the largest carbon emitters and increase our exposure to the lowest carbon emitters.

Find out more

Our responsible business commitments

We will continue to provide quality products and support to help you and your employees make confident financial decisions.

We will work with the companies in which we invest to aim for a reduction in carbon emissions to net zero across our investment portfolio by 2050.

We will work with financial advisers so they can scale the provision of good advice.  

We will work with you to help you educate, inform and guide your employees, and make it easier for them to save for retirement.

We will call on regulators to recognise that features beyond product design and charges, such as climate change, contribute towards a good customer outcome.

We will ask government to promote fiscal policies that reward the behaviour of those who act responsibly and who do the right thing.