How we evaluate products
Responsible Investment strategies, processes, practices and disclosures are assessed against the eight criteria for product certification in the Responsible Investment Standard and accompanying Guidance and Assessment Notes.
What this symbol means
General certification: This Symbol signifies that a product or service offers an investment style that takes into account environmental, social, governance or ethical considerations, and that it adheres to the operational and disclosure practices required under the Responsible Investment Certification Program for the category of Product.
The content on this webpage is provided by Responsible Investment Association Australasia Ltd (ACN 641 046 666, AFSL 554110). For more information refer to our Financial Services Guide. Certain content provided may constitute a summary or extract from the offer document of a financial product. Any general advice has been provided without reference to your investment objectives, financial situation or needs. If the advice relates to the acquisition of a particular financial product for which an offer document (such as a product disclosure document) is available, you should obtain the offer document relating to the particular financial product and consider it before making any decision whether to acquire the product. Past performance does not necessarily indicate a financial products’ future performance. To obtain information tailored to your situation, contact a financial adviser.
Themes & Issues
Society
Armaments
Fully avoided
Fossil fuels
Fully avoided
Gambling
Fully avoided
Pornography
Fully avoided
Tobacco
Mostly avoided
Environment
Armaments
Fully avoided
Fossil fuels
Fully avoided
Gambling
Fully avoided
Pornography
Fully avoided
Tobacco
Mostly avoided
For RIAA’s definitions of the themes included and issues avoided, please view this guide . Product-specific exclusion criteria and practices may vary. You can find these by referring directly to the product provider.
Overview
The RAM Diversified Fixed Income & Credit SMA has specifically integrated ESG considerations into the portfolio management process. RAM's Internal research is supplemented with consideration of Bloomberg ESG scoring as part of the research process. Companies which operate in Armaments, Coal Mining, Gaming, Pornography and Tobacco industry groups are excluded from the investable universe. RAM's issuer level research process reviews and scores issuers on a range of metrics with a number being specifically related to ESG factors including: Governance and related party risks, Management, Environmental risks, Social risks, Reputational risks, Disclosure, Diversity, and Off balance sheet risks including regulatory and political risks.
Description
The RAM Diversified Fixed Income & Credit SMA has a bias to quality as part of its research and portfolio construction process. Specifically, the strategy only invests in large, liquid securities issued by Investment Grade Companies. These issuers are generally large domestic banks with strong reporting framework operating within heavily regulated industries. Furthermore, RAM's research process scores companies on a range of metrics, with many of these factors being governance and ESG risk related. In addition to our ongoing research process several negative ethical screens are applied to the portfolio universe to exclude a range of industries which are commonly excluded in ethical investment strategies. The following sector exclusions based on company revenue/GICS industry group apply to the investment universe:  Revenue: Gambling (0.0%), Tobacco Retailing (10%), Tobacco Manufacturing (0.0%), Pornography (0.0%), Armaments (0.0%), Coal Mining (0.0%). GICS sectors following are specifically excluded: Aerospace & Defense, Casinos & Gambling, Coal & Consumable Fuels, Tobacco/Nicotine Production.The strategy is also available in a managed account framework for wholesale investors which allows clients to set their own mandate and add any additional investment constraints suitable for their objectives and needs. *RIAA has received written undertaking from product issuer to update ESG-criteria, assessed as part of certification, either at:Â
- Next roll of product collateral, Internal policy update and/orÂ
- Next reporting/disclosure cycle
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Themes & Issues
0
themes included
4
issues fully avoided
1
issues mostly avoided
0
issues partially avoided
Product Targets
Wholesale
Retail
Institutional
Certified Since
Last date certified
March 5, 2025
Primary RI Strategy
Separately Managed Account
Secondary RI Strategy
ESG Integration