Sustainable Finance Disclosure

Sustainability Factors- Investments/IBIPs/Pension Advice

In accordance with the Sustainable Finance Disclosure Regulation (‘SFDR’), we inform you that when providing advice on insurance-based investment products/Investments, we assess, in addition to relevant financial risks, relevant sustainability risks as far as this information is available in relation to the products proposed/advised on. This means that we assess environmental, social or governance events/conditions that, if they occur, could have a material negative impact on the value of the investment.

We integrate these risks in our advice by reviewing product provider literature in relation to sustainability risks, we liaise with the providers in relation to any queries in relation to the funds.  This information is reviewed by the firm on an ongoing basis. 

Remuneration & ESG considerations:

We are usually remunerated by commission from the Product Providers with whom we facilitate Investment and Insurance Based Investment transactions on your behalf.

This commission payment will not influence our decision to recommend a particular product.  We consider how the Product Providers have integrated sustainability risks into their investment product offerings prior to making our recommendations to our clients.

Considering Principal Adverse Impacts on sustainability factors in the advice:

When providing advice on insurance-based investment products (‘IBIPs’) or investment advice we assess the PAI information published by product manufacturers as follows:

The firm will examine the Product Providers literature to establish the Principal Adverse Impacts for the relevant products.  The firm will then compare financial products across available providers to make informed investment decisions about the suitability of ESG products for individual clients.

Vista Financial Services Ltd is regulated by the Central Bank of Ireland