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Union Mutualiste Retraite

PRI reporting framework 2020

You are in Strategy and Governance » Investment policy

Investment policy

SG 01. RI policy and coverage

New selection options have been added to this indicator. Please review your prefilled responses carefully.

01.1. Indicate if you have an investment policy that covers your responsible investment approach.

01.2. Indicate the components/types and coverage of your policy.

Select all that apply

Policy components/types

Coverage by AUM

01.3. Indicate if the investment policy covers any of the following

01.4. Describe your organisation’s investment principles and overall investment strategy, interpretation of fiduciary (or equivalent) duties,and how they consider ESG factors and real economy impact.

ESG integration is a way to improve risk surveillance of financial assets, including environmental, social and governance factors to "classical" financial indicators.

UMR's investment strategy integrates:

  1. The evaluation of the climate risks in order to better protect the portfolio against negative consequences of global warming.
  2. The reduction of GhG emissions: by screening both fixed income and stocks portfolios' carbon footprint.
  3. The contribution to sustainable development:  by investing in products and sectors that offer social & environmental benefits (such as High Quality Environmental real estate, infrastructure projects [green energy production] or private equity). 

It also allocates parts of its portfolio in thematical funds that offer a specific impact such as microfinance or social reponsibility funds (Novess).

In addition, UMR have set a few sector exclusions that concern : tobaco, alcohol, gambling and anti-personal & cluster ammunitions.

UMR encourages its historical partners to adopt better ESG practices and integrates ESG management and processes in its DDQ for new investments.  


01.5. Provide a brief description of the key elements, any variations or exceptions to your investment policy that covers your responsible investment approach. [Optional]

01.6. Additional information [Optional].


SG 01 CC. Climate risk (Private)

SG 02. Publicly available RI policy or guidance documents


02.1. Indicate which of your investment policy documents (if any) are publicly available. Provide a URL and an attachment of the document.

02.2. Indicate if any of your investment policy components are publicly available. Provide URL and an attachment of the document.

02.3. Additional information [Optional].

During year 2019, UMR has formalized a voting policy. However, it is not public yet.

SG 03. Conflicts of interest

03.1. Indicate if your organisation has a policy on managing potential conflicts of interest in the investment process.

03.3. Additional information. [Optional]

Currently, UMR does not have any formalized policy on managing potential conflicts. However, it is programmed for 2020.

SG 04. Identifying incidents occurring within portfolios (Private)