Sustainability risk policy – Article 3
Manentia Wealth Consulting Group Limited (Malta) integrates sustainability risks into investment and insurance advice where such risks are financially material to the recommended product or strategy. We assess how environmental, social or governance factors could affect returns (for example, transition risk, physical climate risk, governance failures) and we consider product‑manufacturer disclosures and due‑diligence reports as part of our suitability process.
Principal Adverse Impacts (PAIs) – Article 4
At entity level, we do not currently consider PAIs of investment decisions on sustainability factors within the meaning of Article 4 SFDR. Reasons include: (i) incomplete and non‑comparable issuer‑level data across the open‑architecture universe we advise on; (ii) practical challenges obtaining PAI indicators consistently from third‑country and private‑market products; and (iii) ensuring that advice remains driven first by clients’ objectives and constraints.
We will reassess this position at least annually and aim to publish an update by 30 June each year.
At portfolio level, where clients select dedicated sustainable or impact mandates, we may take account of PAI‑type indicators disclosed by product manufacturers to the extent they are relevant to client preferences and available with reasonable quality.
Remuneration – Article 5
Our remuneration policies are designed to avoid incentives that would encourage excessive risk‑taking including with respect to sustainability risks. Variable pay (where applicable) is linked to a balanced scorecard emphasising compliance, conduct and client outcomes rather than product volume or ESG labels.
Product‑level disclosures – Article 10
We do not manufacture financial products within the meaning of SFDR. Where we recommend Article 8 or Article 9 products, clients will receive the manufacturers’ pre‑contractual and website disclosures (including periodic reports) as part of our advice process.
Contact
Questions about these disclosures: DPO@mwcgroup.ch.