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What is responsible investing?
Responsible investing means thinking about more than just financial returns. It’s about considering how companies affect people and the planet, now and in the future.
What is ESG?
Responsible investors focus on these three key areas.
Environmental
How a company interacts with the natural world. Such as carbon emissions, pollution, biodiversity and how natural resources are used.
Social
How a company treats people. That covers everything from human rights and working conditions to diversity, inclusion and community impact.
Governance
How a company is run. Including leadership accountability, board structure, tax strategy and transparency in reporting.
Why invest responsibly?
Make a positive impact
Responsible investing gives you the chance to grow your money while supporting companies that are doing good.
You can align your investments with your values, whether that means avoiding harmful industries or backing businesses that are working towards a better future.
Increased awareness
More people, companies, and governments are recognising the importance of ESG issues. From climate change to data security, these challenges are shaping the way we invest.
In fact, ESG investments have grown rapidly surpassing $30 trillion globally in 2022 and expected to reach over $40 trillion by 2030.
Bloomberg Intelligence, 2024.
Resilient investing
Responsible investing can help protect your money from certain risks—like companies that aren’t managing their environmental or social responsibilities well. It can also open opportunities by investing in businesses that are leading the way in sustainability and innovation.
Our commitment
At Lloyds Banking Group, we’re committed to building a more sustainable and inclusive future. That includes how we invest.
FCA sustainability labels
To help you choose sustainable investments, the Financial Conduct Authority (FCA) has introduced four labels for UK-based funds. These labels show how committed a fund is to achieving positive outcomes for people and the planet. To earn a label, funds must meet strict criteria. This helps protect you from “greenwashing” - when something is marketed as more sustainable than it really is.
Focus
Funds investing in companies that are environmentally and/or socially sustainable.
Improvers
Funds investing in companies with the potential to improve their environmental and/or social sustainability over time.
Impact
Funds investing in companies that aim to achieve a positive, measurable impact on the environment and/or society.
Mixed goals
Funds investing in a mix of companies that are already sustainable, have potential to become more sustainable, or aim to achieve a positive impact.
Getting started with responsible investing
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Understanding risk
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Important legal information