For Unifinanz, responsible business activity is part of our self-image. We have decided to place a strong focus on sustainability within the product and service universe. In order to make this possible, various steps have been taken over the last few years to ensure that processes are in place to meet this requirement. With the adoption of the new business strategy, which was conceived several years ago, in January 2022, the resulting measures will now be implemented step by step.

Sustainability-related disclosures
Our comments on Articles 3, 4 and 5 SFDR can be found at the following link:

Sustainability-related disclosures (PDF Download)

The concept of sustainability

ESG
In line with the European Union's understanding of sustainability, sustainability is not to be limited to ecological aspects alone, but should rather take into account the entire ESG spectrum (Environment, Social and Governance). ESG is a term used to describe a range of opportunities and risks and selected underlying indicators.






SDG
In addition to the term ESG, the United Nations' 17 Sustainable Development Goals (SDGs) are also on everyone's lips. The 17 SDGs are political objectives of the United Nations (UN) that are intended to ensure sustainable development worldwide on an economic, social and ecological level. They were drafted in line with the development process of the Millennium Development Goals (MDGs) and came into force on January 1, 2016 with a term of 15 years (until 2030). Unlike the MDGs, which applied to developing countries in particular, the SDGs apply to all countries.
More and more companies are aligning themselves not only with ESG factors but rather with the overarching themes of the 17 SDGs. Data availability and transparency in this area is constantly increasing, especially as more and more investors are also demanding appropriate consideration and monitoring of compliance. In the following, we provide an overview of the 17 objectives.

Influence on financial market participants

The influences on financial market participants, especially on investment firms but also on larger companies, are extensive and complex. In addition to disclosure requirements from the Sustainable Finance Discosure Regulation (SFDR), the topic of sustainability is also taken into account in MiFID II and thus also in the advisory procedure for clients.

Meaning for you?

You and we are in a position to support the goals of the united nations also in the context of asset investment.
Unifinanz is committed to integrating sustainability preferences. With the implementation of a "Basic Package", Unifinanz follows an ESG integration approach as a minimum, regardless of a client's personal preferences. Further, a client has the choice to assert other packages around sustainability aspects. In doing so, Unifinanz follows a modular structure, which also allows a high degree of individualization if required (Me package).

Our approach

Unifinanz basically offers 4 package solutions as well as the possibility of individualization (Me) for the implementation of sustainability preferences.

• Basic
  ESG integration according to Unifinanz model (minimum standard for all mandates)

We exclude those companies from our investment universe that have a poor ESG rating.

• Care
  Norm-based / Exclusion criteria

We are able to take into account the UN Global Compact criteria in asset allocation or to exclude certain topics (e.g. controversial weapons).

• Sustainable
  Focus on ESG / SDG Consideration

Hereby you get the opportunity to invest more in companies that have a high focus on supporting the goals of the united nations and make a positive SDG contribution.

• Responsible
  Fokus auf Involvierung / Engagement

Through engagement and proxy voting service packages, they are able to indirectly influence company policy. Through our data provider, we can offer efficient participation procedures according to certain packages, which, for example, allow them to always follow a certain norm when voting.

• Me
  Individual package

All available modules are individually configurable. We are able to map your personal needs in the portfolio construction.

Implementation

We support you holistically in dealing with the issue of implementing sustainability preferences. By means of a systematic process design, we accompany you, depending on the given initial situation, from the investor profiling to the definition of principles and their effects, by means of scenario analyses and consulting of implementation variants up to the effective implementation.
The implementation of sustainability preferences can take place step by step, regardless of whether you are already invested or only intend to invest.

Monitoring & Reporting

In addition to support for the implementation of sustainability preferences in asset management, you will receive comprehensive support in monitoring and reporting topics. Depending on your needs, we are able to provide you with the following reports in particular:
 

• ESG-Rating Portfolio Report

• SDG-Impact Rating and Solutions Portfolio Report

• SFDR Portfolio Report

• EU Taxonomy Alignment Report

• Climate Equity Report

• Carboon Footprint Report

Your package selection and the resulting ideas and wishes regarding the integration of sustainability aspects are also continuously monitored using our controlling and portfolio management software.