Environmental, Social, and Governance (ESG) Investing

Environmental, social, and governance (ESG) investing is a values-based approach of growing importance and interest among all demographics—from baby boomers to Gen Zers. In fact, 2020 saw a record $51 billion of inflows to ESG strategies, according to Morningstar.1 Help your clients pursue their financial objectives without compromising their values with the choice of two multi-asset ESG investment options available with a variable annuity. 

PLFA ESG Diversified Funds

The PLFA ESG Diversified Funds are proprietary investment options that invest in funds managed by industry leaders and are pushing the ESG industry forward in innovative ways. There are two ESG Diversified Funds, PLFA ESG Diversified and PLFA ESG Diversified Growth, which offer specific target allocations to help your clients choose the right portfolio based on their investment time horizon and risk tolerance.

 

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Actively and Passively Managed

Minimizes fees through a combination of actively and passively managed funds.

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Benefit-Eligible2

Combine the security of lifetime income and downside protection with sustainability through PLFA ESG Diversified.

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Transparent

Clearly indicates how clients are invested across E, S, and G factors on a quarterly basis.

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Turnkey Asset Allocation

Overseen by experienced money managers.

What is ESG Investing?

The concept of ESG investing is simple: clients can invest in companies that aim to make the world a better place, so they can save for retirement while saving the environment. Below are examples of the criteria used to guide the construction of ESG investments.

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Environmental

Water Usage

Carbon Emissions

Waste/Recycling

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Social

Worker Safety

Customer Data & Privacy

Supply Chain Sustainability

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Governance

Board Diversity

Ethical Business Practices

Shareholder Rights

Morningstar Fact Sheets & Performance

PSF ESG Diversified
msfs_psf_esg_diversified_growth.pdf
Variable Annuity Performance

ESG Investing Resources

Inspired Investing: Part 1
Inspired Investing: Part 2

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VAP2208-1121H

1Hale, Jon. “A Broken Record: Flows for U.S. Sustainable Funds Again Reach New Heights.” Sustainability Matters. Morningstar. January 28, 2021.
2Optional living benefits are available with certain variable annuities for an additional cost. They can provide lifetime income and downside protection. PLFA ESG Diversified Growth is not currently eligible for optional living benefits.

Investors should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goals of the underlying investment options. This and other information about Pacific Life are provided in the product and underlying fund prospectuses. These prospectuses should be read carefully before investing.

Asset allocation and diversification do not guarantee future results, ensure a profit, or protect against loss. Better results could be achieved by investing in an individual fund or funds representing a single asset class rather than using asset allocation. A fund-of-funds is subject to its own expenses along with the expenses of the underlying funds. It is typically exposed to the same risks as the underlying funds in which it invests in proportion to the allocation of assets among those underlying funds, among other risks. Each underlying fund has its own investment goal, strategy, and risks.

Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

Unless otherwise noted, all aforementioned money managers, their distributors, and affiliates are unaffiliated with Pacific Life and Pacific Select Distributors, LLC.

Pacific Life refers to Pacific Life Insurance Company and its subsidiary Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company and in all states by Pacific Life & Annuity Company. Product/material availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. 

Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life & Annuity Company. 

The home office for Pacific Life & Annuity Company is located in Phoenix, Arizona. The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.

No bank guarantee • Not a deposit • Not FDIC/NCUA insured • May lose value • Not insured by any federal government agency

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