Have a plan for the future

…for the life you want to live

Your investment decisions, your pension fund choices can positively affect your carbon footprint and contribute to a better world – good for you and good for the planet.


How it works

  • When you set up a pension, the funds your contribute through your pension plan are linked to investments on your behalf.
  • A big challenge is that people are not always aware of what their pension fund is invested in. Most people are enrolled in a pension default investment strategy so what are you actually invested in?
  • Traditional funds invest in a broad range of companies across the world but in 2022, there is increased demand for investment funds that look beyond financial metrics and to also consider environmental factors (The Irish Times, 2022).
  • By investing in funds that also take account of environmental, social and governance (ESG) issues as part of their investment approach, you can help to make a positive change in the world while aiming to grow your pension. (source: Irish Life)
  • Unlike traditional funds, ESG funds invest less in companies that may be harmful to the planet or society such as those that are involved in fossil fuels, controversial weapons or tobacco manufacturing. Instead, they actively look for assets that score highly on environmental, social and governance factors
  • There is heightened concern over climate change, and growing discomfort about what it means. The number of people who believe they personally can help the environment has fallen in recent years, dropping from 79% in July 2019 to 68% in May 2022 (RedC on behalf of Irish Life, 2022). However, investing in a pension fund with a responsible investing approach is a key step you can take to improve your climate impact.

If you have a pension or investment plan, or are thinking of getting one, you may not know how much good it could do for the world. At HC Financial we have access to pension and investment funds that allow you to invest your money more responsibly. This means that – compared to typical funds that track stock-markets – you can invest less in companies that are harmful to the environment or society, and more into companies which try to help.

So while you are saving towards your retirement you can also do your bit to help build a better future for everyone.


Environmental factors refer to an organization’s environmental impact(s) and risk management practices. These include direct and indirect greenhouse gas emissions, management’s stewardship over natural resources, and the firm’s overall resiliency against physical climate risks (like climate change, flooding, and fires).



The social pillar refers to an organization’s relationships with stakeholders. Examples of factors that a firm may be measured against include human capital management (HCM) metrics (like fair wages and employee engagement) but also an organization’s impact on the communities in which it operates.



Corporate governance refers to how an organization is led and managed. ESG analysts will seek to understand better how leadership’s incentives are aligned with stakeholder expectations, how shareholder rights are viewed and honored, and what types of internal controls exist to promote transparency and accountability on the part of leadership.

Talk to us today about Sustainable Pension and Investment Options

contact us today

Contact Us | About Us  | E: admin@hcgroup.ie