As environmental and social concerns become increasingly important, more and more savers want their money to have a positive impact. Investing is no longer solely about growing wealth but also about contributing to a more sustainable future. With this in mind, Foyer has placed ESG criteria — Environmental, Social and Governance — at the heart of its multi‑support life insurance solutions.
Since 2013, Foyer has held the ESR label (Socially Responsible Company), awarded by the INDR. This certification reflects a solid, coherent, and long-standing sustainability strategy embedded in the Group’s overall vision. Integrating ESG‑focused funds into its investment products is a natural extension of this commitment, allowing clients to support companies with responsible business practices.
Foyer’s smartlife investment solution is accessible from just €200 per month. It offers a high level of flexibility and meets strict regulatory requirements: classified as an Article 8 product under the European SFDR regulation, it clearly promotes environmental and social characteristics.
Several investment orientations are available to suit different risk appetites:
These allocations can evolve over time in line with the saver’s objectives. The investment management is handled by CapitalatWork Foyer Group, a well‑established player with more than thirty years of experience.
The ESG approach relies on a demanding assessment of companies. Each investment is evaluated using strict extra‑financial criteria, including the ten principles of the United Nations Global Compact: human rights, labour standards, environmental protection, and anti‑corruption. Certain activities are excluded from the outset, such as controversial weapons, tobacco production, and sensitive oil exploration. Companies facing severe controversies are also excluded.
Each year, CapitalatWork Foyer Group publishes a detailed report demonstrating full compliance with these commitments, ensuring complete transparency for investors.
Beyond its ESG dimension, Foyer’s investment solutions benefit from the inherent advantages of Luxembourg life insurance:
These features make it a highly attractive tool for wealth optimisation and transmission.
Choosing to invest in ESG funds means adopting a responsible and committed savings strategy. It means supporting companies that work towards a more sustainable economic model while benefiting from a solid, flexible, and efficient investment framework.
In essence, Foyer’s ESG investment solutions combine purpose, performance, and responsibility. They offer every saver the opportunity to build their financial future while supporting companies actively working towards a more sustainable world.
