Responsible Investment

Responsible investment, including environmental, social, and governance considerations, is not taken into account in the investment policies and procedures of the Scheme as at the date of this product disclosure statement.

However, each of the Scheme's underlying fund managers applies responsible investment principles to the funds the Scheme invests in, including restrictions on investing in companies that operate in certain industries. We regularly review the underlying fund managers' approach to responsible investment and take it into account when deciding whether to appoint an underlying fund manager. Please contact Civic for further details at anytime.