We take the time to understand your feelings about responsible investment


Responsible investment (RI) is an important topic that more and more of our clients are concerned about. It’s only natural that we should each want to consider the impact of the companies and funds that we invest in on the world around us, which is why we take it very seriously at Citrus Financial.

While it can appear daunting, in simple terms it’s an approach to investing which incorporates environmental, social and governance (ESG) factors.

Although it’s not a new concept, it has become more mainstream; thanks to initiatives like the UN-backed Principles for Responsible Investment (PRI), the world’s leading proponent of responsible investment, supported by the United Nations.


The term ESG makes us initially think of environmental factors such as resource, water and land use, biodiversity, pollution, atmospheric emissions, climate change and waste. However, environmental factors constitute only the ‛E’ of ESG. There are also social and governance factors to consider.

Social factors are issues relating to the relationship between companies and people, such as their employees, suppliers, customers, and communities. Examples of social issues of interest to investors include health and safety, labour standards, supply chain management and consumer protection. Governance factors are issues relating to the governance of an organisation, also referred to as corporate governance. Examples include board composition, executive remuneration, internal controls and balancing the interests of all stakeholders.


When we provide you with financial advice our advisers will take the time to understand your feelings about responsible investment and its importance to you.

Our advice process is fully integrated with ESG considerations, enabling you to consider responsible investment preferences alongside your risk appetite and desired investment returns. Within the universe of funds available to us, each has an ESG rating provided by the specialist research provider, Square Mile, so you’ll always be able to make an informed choice.

We believe our approach to responsible investment provides you with the perfect blend of insight, choice and value. Whether
responsible investment is fundamentally important to you, or you’re simply curious, our service has been designed with you in


If you are interested in learning more about responsible investment, the The United Nations Principles for Responsible Investment (UNPRI) is a good place to start. 

The UNPRI is a set of six principles that have been adopted by over 2,300 investment firms worldwide. The principles provide guidance on how to integrate ESG factors into investment decision-making.

You can access their website here. *By clicking on this link you are now departing from the regulatory site of Citrus Financial. Neither Citrus Financial nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.

The value of investments can fall as well as rise. You may get back less than you invested.