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Investment Management at Mandatum Life Wealth Management

Mandatum Life's Wealth Management has taken steps towards the integration of ESG criteria into investment management in response to the growing interest from institutional investors and consumers in managing their assets responsibly. Mandatum Life's Wealth Management signed the UN's Principles for Responsible Investment (UNPRI) in 2011. Investment operations linked to the management of customers' wealth are implemented according to these principles.

Mandatum Life Wealth Management's investment strategy is to favor the best companies in each sector, while taking into account long-term return expectations. The ESG analysis of investment objects has been integrated into the investment analysis and decision-making process. When assessing the risks of an investment object, Mandatum Life considers ESG issues as part of the holistic risk analysis. The ESG risk analysis focuses on the sustainability of business growth and cash flow, costs, and the ability to uphold, prepare, and adapt to environmental, social, and governance norms and requirements.

In decision-making, Mandatum Life employs best-in-class screening and exclusion. Best-in-class screening is the predominant method used to manage carbon exposure and climate-related investment risk. A decision to exclude an investment object may be taken based on, for example, sector, business involvement, norm-based factors, or controversy.

Taking sustainability into account when selecting and monitoring investment objects is part of the job profile of every person making investment decisions and analyzing investment objects at Mandatum Life. Portfolio managers and analysts are in the best position to gain an in-depth understanding of the ESG issues of companies they are tracking, and to engage in a dialogue with business executives to influence matters.

Investment object analysis is based on ESG data collected from public sources. To back their analysis, portfolio managers and analysts at Mandatum Life also use ESG analyses by external service providers. Additionally, one of Mandatum Life Wealth Management's engagement methods is the decision to participate or not to participate as a financier in primary bond and share issues.

Mandatum Life Wealth Management's holdings are continuously monitored from an ESG perspective, and the operating models of responsible investment are assessed and improved as part of an ongoing process. With the availability of ESG data improving and data granularity increasing, the risk analysis and portfolio management process are continuously being refined and the level of ESG risk integration deepened. The Allocation Solutions team is responsible for coordinating ESG issues and developing ESG tools. Mandatum Life's Risk Management & Development unit assists in responsible investment reporting and monitoring.

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Updated 07/05/2018