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INVEST DIFFERENTLY

Responsible investing allows you to secure your future while protecting our
beautiful planet. By placing your money in RI funds, you invest in companies
willing to improve their environmental, social and administrative policies,
while increasing your performance . Are you ready to change the world?

Explore the RI

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 * Introduction
   * Responsible investing
   * Leveraging profitable change
   * History
   * The RI worldwide
 * 
 * Environment
   * introduction
   * climate change
   * biodiversity
   * water access related issues
 * 
 * Social
   * Introduction
   * Aboriginal people
   * Children’s rights
   * Worker rights
 * 
 * Governance
   * Introduction
   * Performance Bonuses
   * Diversity
 * 
 * Learn more
   * Socially engaged shareholders
   * Myths and facts
   * Desjardins RI
 * 

 * Articles
 * Contact Us

fr

For over a century, Desjardins has been one of the top-tier financial product
providers in Canada, with innovative and effective investment products.
Desjardins is proud to offer unique responsible investment solutions, giving
members and clients attractive return potential on their portfolios, while
having a positive impact on their communities and the environment.

Learn how


WHAT IS
RESPONSIBLE
INVESTING

Responsible investing is a form of financial investment that incorporates
environmental, social and governance (ESG) factors, without, of course,
neglecting desired financial returns. These portfolios are designed for
investors who want to see their investment grow while supporting businesses that
promote sustainable development and social responsibilities.


LEVERAGING PROFITABLE CHANGE

The acronym ESG, which stands for environmental, social and governance, includes
a set of challenges that companies may face. ESG criteria are used in
responsible investment to select the companies which have the best practices in
their industry.


ENVIRONMENTAL


ENVIRONMENTAL

Biodiversity
 * Forestry

Climate change
 * Greenhouse gas (GHG) emissions
 * Carbon footprint
 * Green buildings

Water management
 * Water-related risks
 * Water footprint
 * Fracking

Product safety
 * Genetically modified organisms (GMOs)
 * Nanotechnology

RecyclingTransparency


SOCIAL


SOCIAL

Workers' rights
 * Workers' rights

Human rights
 * Burma / Darfur

First NationsSupply chains
 * Electronics / Clothing

Child labourHealthcareViolence and militarizationHealthcare in developing
countriesExtraction of natural resources
 * Democratic Republic of the Congo


GOVERNANCE


GOVERNANCE

Board of directors
 * Composition
 * Independence
 * Shareholder nominations

Executive compensation
 * Advisory vote
 * Financial crisis
 * Severance pay

Shareholder rights
 * Multiple-voting shares

Political contributionsShareholder rights planSuccession planAbstention
campaignSecurity lending


HISTORY


 * 2000
   
   In 2015, 195 countries signed on to the Paris Climate Agreement, which aims
   to combat climate change and to accelerate and intensify the actions and
   investments needed for a sustainable low-carbon future.
   
   
   
   2000
   
   In 2015, 195 countries signed on to the Paris Climate Agreement, which aims
   to combat climate change and to accelerate and intensify the actions and
   investments needed for a sustainable low-carbon future.
   


 * END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH
   
   The English Quakers refuse to invest in alcohol and weapons.
   
   
   
   END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH
   
   The English Quakers refuse to invest in alcohol and weapons.
   


 * END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH
   
   1928, the Pioneer Fund of the American Methodists bans "sin stocks".
   
   
   
   END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH
   
   1928, the Pioneer Fund of the American Methodists bans "sin stocks".
   


 * END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH
   
   The first champion of shareholder rights, Lewis D. Gilbert, speaks-up during
   hundreds of annual meetings of American companies from the year 1933 to the
   year 1992.
   
   
   
   END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH
   
   The first champion of shareholder rights, Lewis D. Gilbert, speaks-up during
   hundreds of annual meetings of American companies from the year 1933 to the
   year 1992.
   


 * YEARS 1960 TO 1970
   
   1956, the creation of the first European RI funds: Aktie Ansvar, the Swedish
   fund.
   
   
   
   YEARS 1960 TO 1970
   
   1956, the creation of the first European RI funds: Aktie Ansvar, the Swedish
   fund.
   


 * YEARS 1960 TO 1970
   
   1971, the first socially motivated “active” shareholders emerge. For example,
   Saul Alinsky, a world renowned activist and polemicist, buys shares of a bank
   with the objective to denounce, during the annual shareholders meeting as
   well as in the media, the fact that it finances slums in Chicago.
   
   
   
   YEARS 1960 TO 1970
   
   1971, the first socially motivated “active” shareholders emerge. For example,
   Saul Alinsky, a world renowned activist and polemicist, buys shares of a bank
   with the objective to denounce, during the annual shareholders meeting as
   well as in the media, the fact that it finances slums in Chicago.
   


 * YEARS 1960 TO 1970
   
   In the wake of criticism about the apartheid and the war in Vietnam,
   America's first RI fund, the Pax World Fund (1972), is born. It excludes
   certain arms, napalm and Agent Orange suppliers of the American army.
   Suppliers of military equipment to dictatorships, Chili for example, are also
   excluded.
   
   
   
   YEARS 1960 TO 1970
   
   In the wake of criticism about the apartheid and the war in Vietnam,
   America's first RI fund, the Pax World Fund (1972), is born. It excludes
   certain arms, napalm and Agent Orange suppliers of the American army.
   Suppliers of military equipment to dictatorships, Chili for example, are also
   excluded.
   


 * YEARS 1970 TO 1990
   
   1977, Leo Sullivan (priest and director of General Motors) launches 7 global
   socially responsible principles bearing his name. He supports the demands of
   religious communities, which contributes to the withdrawal of American
   companies in South Africa by which also contributed to the fall of apartheid
   in 1991.
   
   
   
   YEARS 1970 TO 1990
   
   1977, Leo Sullivan (priest and director of General Motors) launches 7 global
   socially responsible principles bearing his name. He supports the demands of
   religious communities, which contributes to the withdrawal of American
   companies in South Africa by which also contributed to the fall of apartheid
   in 1991.
   


 * YEARS 1970 TO 1990
   
   1986, the launch of Ethical Funds, the first RI fund in Canada.
   
   
   
   YEARS 1970 TO 1990
   
   1986, the launch of Ethical Funds, the first RI fund in Canada.
   


 * YEARS 1970 TO 1990
   
   In 1987, the Brundtland Report introduced the term “sustainable development,”
   defining it as “development that meets the needs of the present without
   compromising the ability of future generations to meet their own needs.”
   
   
   
   YEARS 1970 TO 1990
   
   In 1987, the Brundtland Report introduced the term “sustainable development,”
   defining it as “development that meets the needs of the present without
   compromising the ability of future generations to meet their own needs.”
   


 * THE 1990S
   
   1990, Desjardins launches its Environment Fund, the first ever RI fund in
   Quebec.
   
   
   
   THE 1990S
   
   1990, Desjardins launches its Environment Fund, the first ever RI fund in
   Quebec.
   


 * THE 1990S
   
   1999, establishment of the Regroupement pour la responsabilité sociale des
   entreprises (RRSE). Composed mainly of Quebec religious communities, the RRSE
   begins engaging dialogue with many companies.
   
   
   
   THE 1990S
   
   1999, establishment of the Regroupement pour la responsabilité sociale des
   entreprises (RRSE). Composed mainly of Quebec religious communities, the RRSE
   begins engaging dialogue with many companies.
   


 * 2000
   
   2005, the Caisse de dépôt et placement du Québec adopts a Policy on
   Responsible Investing.
   
   
   
   2000
   
   2005, the Caisse de dépôt et placement du Québec adopts a Policy on
   Responsible Investing.
   


 * 2000
   
   2006, the United Nations launches the Principles for Responsible Investments
   (UNPRI).These principles counted than 1,250 signatories, from 48 different
   countries, with 45 billion USD in assets under its management in 2014.
   
   
   
   2000
   
   2006, the United Nations launches the Principles for Responsible Investments
   (UNPRI).These principles counted than 1,250 signatories, from 48 different
   countries, with 45 billion USD in assets under its management in 2014.
   


 * 2000
   
   In 2015, 195 countries signed on to the Paris Climate Agreement, which aims
   to combat climate change and to accelerate and intensify the actions and
   investments needed for a sustainable low-carbon future.
   
   
   
   2000
   
   In 2015, 195 countries signed on to the Paris Climate Agreement, which aims
   to combat climate change and to accelerate and intensify the actions and
   investments needed for a sustainable low-carbon future.
   


 * END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH
   
   The English Quakers refuse to invest in alcohol and weapons.
   
   
   
   END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH
   
   The English Quakers refuse to invest in alcohol and weapons.
   


PrevNext


2000

In 2015, 195 countries signed on to the Paris Climate Agreement, which aims to
combat climate change and to accelerate and intensify the actions and
investments needed for a sustainable low-carbon future.



END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH

The English Quakers refuse to invest in alcohol and weapons.



END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH

1928, the Pioneer Fund of the American Methodists bans "sin stocks".



END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH

The first champion of shareholder rights, Lewis D. Gilbert, speaks-up during
hundreds of annual meetings of American companies from the year 1933 to the year
1992.



YEARS 1960 TO 1970

1956, the creation of the first European RI funds: Aktie Ansvar, the Swedish
fund.



YEARS 1960 TO 1970

1971, the first socially motivated “active” shareholders emerge. For example,
Saul Alinsky, a world renowned activist and polemicist, buys shares of a bank
with the objective to denounce, during the annual shareholders meeting as well
as in the media, the fact that it finances slums in Chicago.



YEARS 1960 TO 1970

In the wake of criticism about the apartheid and the war in Vietnam, America's
first RI fund, the Pax World Fund (1972), is born. It excludes certain arms,
napalm and Agent Orange suppliers of the American army. Suppliers of military
equipment to dictatorships, Chili for example, are also excluded.



YEARS 1970 TO 1990

1977, Leo Sullivan (priest and director of General Motors) launches 7 global
socially responsible principles bearing his name. He supports the demands of
religious communities, which contributes to the withdrawal of American companies
in South Africa by which also contributed to the fall of apartheid in 1991.



YEARS 1970 TO 1990

1986, the launch of Ethical Funds, the first RI fund in Canada.



YEARS 1970 TO 1990

In 1987, the Brundtland Report introduced the term “sustainable development,”
defining it as “development that meets the needs of the present without
compromising the ability of future generations to meet their own needs.”



THE 1990S

1990, Desjardins launches its Environment Fund, the first ever RI fund in
Quebec.



THE 1990S

1999, establishment of the Regroupement pour la responsabilité sociale des
entreprises (RRSE). Composed mainly of Quebec religious communities, the RRSE
begins engaging dialogue with many companies.



2000

2005, the Caisse de dépôt et placement du Québec adopts a Policy on Responsible
Investing.



2000

2006, the United Nations launches the Principles for Responsible Investments
(UNPRI).These principles counted than 1,250 signatories, from 48 different
countries, with 45 billion USD in assets under its management in 2014.



2000

In 2015, 195 countries signed on to the Paris Climate Agreement, which aims to
combat climate change and to accelerate and intensify the actions and
investments needed for a sustainable low-carbon future.



END OF THE XIXTH CENTURY AND THE BEGINNING OF THE XXTH

The English Quakers refuse to invest in alcohol and weapons.


XIXth - XXth 1960-1970 1970-1990 1990 2000



RI AROUND THE WORLD

Every two years, the Global Sustainable Investment Alliance releases the an
overview of responsible investing (RI) around the world. Five regions are
covered in the report: Europe, the United States, Canada, Australia/New Zealand
and Japan.

The current international market for RI — an investment approach that includes
environmental, social, and governance (ESG) criteria in the selection and
management of placements and investments — already represented USD 30.7 trillion
in the regions covered by the report as of December 31, 2017.


CANADA


$ 1,699 BILLION

RI assets (US$)


50.6%

RI assets of total assets


AUSTRALIA & NEW ZEALAND


$ 734 BILLION

RI assets (US$)


63.2%

RI assets of total assets


USA

Learn more


$ 11,995 BILLION

RI assets (US$)


25.7%

RI assets of total assets


JAPAN


$ 2,180 BILLION

RI assets (US$)


18.3%

RI assets of total assets


EUROPE

Learn more


$ 14,075 BILLION

RI assets (US$)


48.8%

RI assets of total assets


EUROPE

Europe has the largest RI market, both in terms of absolute numbers and in
relative numbers when compared to the total investment market in Europe. Between
2009 and 2011, Europe registered the highest growth in RI in the retail investor
market. The most commonly used strategies are those of exclusion filters, and
the most frequently used filter is that of arms banned by international
conventions, such as cluster bombs and anti-personnel mines.

The European asset management industry has integrated all forms of RI; however,
although the retail investor market is growing, it is doing so at a much slower
rate than that of the fourth market.

Responsible investing increased from USD 8,758 billion in 2012 to USD 13,608
billion in 2014.


CANADA

The growth of responsible investing has been marked over the past few years and
totalled USD 945 billion at the end of 2014, or 31.4% of total managed assets in
Canada. This figure represents a growth of 16% between June 2010 and December
2012 while the growth of managed assets overall increased by 9% during the same
period.

The fourth market experienced the largest growth due to pension funds, which
increasingly are integrating ESG criteria in the selection and management of
their placements and establishing shareholder engagement and voting strategies.

Growth in the retail investor market is less prominent but hovers around 8% and
has been growing steadily year after year since the early 2000s. Around 11% of
retail investor funds in Canada are managed using corporate engagement
strategies.

The most common strategies are shareholder engagement, exclusion filters, and
ESG criteria integration.


USA

In the United States, around 17.9% of managed assets are invested in RI funds
for a total of USD 6,572 billion in 2014, an increase of 76% since 2012.

As in Europe, the fourth market dominates RI. The integration of ESG criteria in
investment management is becoming increasingly common with institutional
investors and particularly with public fund managers. Between 2009 and 2011,
issues such as those of executive compensation, the responsibilization of boards
of directors, as well as climate change and carbon emissions have been addressed
by American investors. Additionally, engagement by institutional investors such
as pension funds, religious foundations, and labour-sponsored funds has
increased substantially over the years.

Between 1995 and 2012, the responsible investment market in the United States
grew by 486% while the total managed asset market in the country increased by
376% during the same period.

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ENVIRONMENT