Overview of TodoVale infrastructure investment strategies

A UNIQUE INVESTMENT APPROACH, FOCUSED ON OUTPERFORMANCE

Manage claims

To ensure that we provide a positive expertise to customers who do business with us, we are systematically paying attention to customers through our Net Promoter System (NPS) programs, not only as part of our claims process but all round all customer touchpoints.

Invest and deliver returns

Our financial gain includes returns from invested premiums, policy fees and deposits. Our success as a business is vital to those that depend on us to reliably pay claims, furthermore as investors who look to us to deliver savings returns and operate our business responsibly.

Manage reserves

Our Group-wide policy, the ‘TodoVale Manner of Reserving,’ with well-defined and prudent standards, is the basis for how we tend to calculate insurance liabilities. Our reserving method is supported by sturdy governance, plus large-scale internal and external reviews.

Underwrite and manage risks

Managing and insuring risk is central to what we tend to do. Understanding, modeling and measuring risks helps us to cost risk fairly and offer competitive premiums to customers, who additionally look to us to provide expertise aimed toward mitigating risks.

Serve customers and distribute through multiple channels

Our products and solutions are accessible to customers with attention on great customer service, through many channels: directly, or indirectly via brokers, through employee advantages consultants, and in collaboration with third parties together with banks, rental agreements, car dealerships, travel providers and retailers.

Our Multi-asset impact investing strategy

Our Multi Asset Impact strategy leverages the breadth and depth of TodoVale’s investment expertise across geographies and asset classes, combined with our proprietary impact approach and ESG research and scoring.

TodoVale Impact Approach

In plain terms, our impact approach is regarding investing in prosperity for people and prosperity for the globe. We have the tendency to assess investments using our listed impact framework which is made up of 5 key pillars:

This impact framework is integrated into our multi asset team’s investment method that aims to capture worldwide growth through long-term convictions at both asset allocation and security choice levels. The team then use the flexibility of the strategy to navigate ever-changing market conditions and apply a multi-tiered approach to risk mitigation.

The strategy’s primary goal is to deliver sustainable and enticing returns through an active multi-asset approach, whereas generating a positive and measurable impact.

We aim to provide clear and measurable impact metrics centered on a wide range Sustainable Development Goals contribution towards societal and environmental issues.

What is the Evolving Economy?

Companies are growing ever more global and multi-sector in their approach, however several investors’ approach to equities remains the same. We’ve recognized five themes that we believe will shape the way companies work in future, which will also have a radical impact on equity investors: automation, the connected consumer, lifestyle and ageing, cleantech, and transitioning societies. We call these themes the Evolving Economy.

Our Clean Economy strategy

Our approach to investing within the Clean Economy seeks to recognize high-quality, growth-oriented firms operating across one of four key investment areas impacted by the finite amount of natural resources. We trust these are the areas which will provide innovative, new investment opportunities:

Focus on thematic purity through innovative proprietary research

To give investors access to long-term drivers of returns, we’ve evolved our collaborative analysis organization to prioritize thematic exposure over geographic and sector data which is slightly relevant for evaluating today’s multi-sector businesses.

Our proprietary thematic exposure database also allows us to quantify companies’ levels of exposure to specific themes across the Evolving Economy, across a universe of c.11,000 listed companies:

What are the potential benefits of the Ageing and Lifestyle theme?

The investible opportunities of ageing populations extend much beyond the obvious areas of healthcare. The changing lifestyles and needs of older generations could represent a multi-decade growth chance for investors. By 2030, two-thirds of over-60s’ consumption growth in developed markets will be spent across various industries dedicated to living well, from fitness and beauty, to entertainment and travel.

Meanwhile other industries like financials, healthcare and real estate will have to rapidly adapt to retiring and elderly generations’ needs.

We invest in corporations operating across four areas related with the economic implications of longevity:

• Silver Spending: Industries dedicated to living well; aesthetics/beauty, fitness, personal care, travel, housing, entertainment and leisure.
• Treatment: Corporations seeking sustainable treatment solutions for the approaching generations.
• Wellness: The wellness industry includes personalized treatments, nutrition, beauty, preventative medicine and anti-ageing treatments.
• Senior Care: Markets for senior housing and specialist assisted living facilities, like Memory Care that focuses on dementia patients.

Our Green Bonds strategy

At TodoVale, our Green Bonds strategy is a purist approach which combines our extensive resources in global, active stable income investing with our proprietary Green Bond framework and ESG scoring methodology.

Our green bond framework

Using TodoVale’s green bond framework, we only invest in green bond projects which provide a material benefit to the environment to ensure that only the most impactful and relevant projects receive the needed funding. Our proprietary framework is composed of four pillars for choosing an investment:

• Is the green bond suitable with the bond issuer’s environmental objectives?
• Will the project have a transparent impact beyond the issuer’s business as usual?
• Do we know that the proceeds will finance what they’re supposed to?
• How does the issuer plan to track the progress of the project and calculate the impact?

We centre on green investment bonds which give benefits in one of four key environmental themes:

• Smart energy solutions
• Green buildings
• Sustainable ecosystems
• Low carbon transportation

We aim to provide clear and measurable impact metrics centered on UN Sustainable Development Goals contribution towards societal and environmental issues, including:

Diverse & Inclusive workplace