Objectives and Investment Policy
The fund is a rules-based mixed fund and is primarily intended for investors born in the 80s. The objective of the fund is to achieve good returns, while gradually reducing risk up to the time of retirement.
Fund returns are determined by how the fund's investments in equity- and fixed income funds increase or decrease in value. The fund invests primarily in Nordic and global equity funds, as well as fixed income funds. Investments are made almost exclusively in Handelsbanken funds. We decrease the proportion of equities and gradually increase the proportion of interest-bearing securities until the retirement age.
As of the year the first-born in the category (individuals born in the 1980s) turns 56 years old, the equity exposure shall be gradually weighted downward by 3.75 percentage each year until the equity exposure is approximately 25%.
The equity exposure shall consist of approximately 50% exposure to an index that represents the global equity markets and an approximately 50% exposure to an index that represents the Nordic equity markets. The fixed income exposure shall consist of exposure to an index that represents the fixed income market in Sweden.
The equity indexes that guide the equity exposure are Solactive ISS ESG Screened Paris Aligned Nordic Index (50%) and Solactive ISS ESG Screened Paris Aligned Global Markets (50%).
International norms and guidelines for the environment, social responsibility and corporate governance are taken into consideration and the fund applies an exclusion strategy for companies (both direct holdings as well as holdings in funds in which the fund invests) operating within the alcohol, tobacco, cannabis, commercial gambling, weapons and military equipment, pornography and fossil fuels segments/sectors. However, the fund may invest in companies that are considered to be in transition towards fossil-free energy production. This is applicable to both direct holdings as well as holdings in funds in which the fund invests. With regard to the fund’s investments in index derivatives, the fund will primarily invest in sustainability-oriented instruments. In the absence of such instruments, the fund will invest in index derivatives and index products that may include companies that are not permitted in accordance with the aforementioned exclusion criteria.
The fund can invest in derivative instruments as part of the fund’s investment focus. However, the use of derivative instruments is of such a nature that it only has a marginal impact on the fund’s risk level.
The shareclass does not distribute dividends. All income is reinvested in the fund.
Normally, you may purchase and sell fund units every banking day.
Additional information about the sustainability work, the share class designation in parentheses and the management in relation to the funds benchmark index, may be found in the prospectus.
Recommendation: This fund may not be suitable for investors who plan to withdraw their money within 5 years.