As insurers promote investments in companies with good sustainability practices, clients benefit from greater financial stability and less exposure to environmental or economic shocks.
Every time a person saves or takes out insurance, he or she trusts that his or her money will be protected. However, in an environment where a climate crisis or new regulations can affect the value of investments, how do you safeguard that money? The answer is a global financial trend: responsible investing.
“This strategy is not just a matter of good intentions, but a key pillar of investment portfolio management. Responsible investment processes and practices allow us to incorporate global sustainability trends into risk and opportunity analysis in order to make better investment decisions.”, says Ricardo Santanera, Investment Manager of Pacífico Seguros.
Along these lines, the expert explains how this strategy combines the generation of returns with greater security for your money:
- Stability that supports your coverage: By investing in responsible companies, you reduce the risk of your money losing value in the face of crises or sanctions. Thus, the funds backing your insurance remain stable and ready to respond when you need them.
- Investments aligned with best practices: Sectors with a high environmental or social impact - such as coal, tobacco or arms - are avoided, and priority is given to companies with climate transition plans or positive social impact management, which tend to be lower-risk businesses.
- Real impact, safe return: Part of the money is invested in projects with direct social environmental impacts (clean energy, housing, education) and which, at the same time, generate profitability.
“Investing sustainably allows us to anticipate risks and protect the value of the money backing our clients. It's not just about profitability, but about doing it responsibly and with a long-term vision.”says Santanera.
This approach recently led the company to be recognized by ALAS20 as the Peruvian insurer with the best Responsible Investment practices. This regional ranking distinguishes companies that integrate environmental, social and governance (ESG) criteria in their financial management, promoting decisions that contribute to sustainable development and a more resilient economy.
