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ESG

ESG investing means considering environmental, social and governance issues and risks during the investment process. In addition to helping you align your portfolio with your sustainable investing goals, it’s also consciously investing your capital. That’s because these factors may have a positive societal affect – not just influence a company’s bottom line.

Unpacking ESG

Environmental

Evaluating the ways companies use resources and set policies to limit environmental effects and protect the environment. Examples include waste disposal, recycling efforts and carbon emission.

Social

Evaluating company policies and practices toward employees, suppliers, customers and communities. Social factors include human rights, employment and pay equality, health safety and more.

Governance

Evaluating corporate policies and procedures such as board composition, diversity, business ethics and others. These are all essential tenets of sound corporate governance.

Investing in employees makes good business sense.

This key ESG factor is at the top of mind for investors and companies alike. Learn more about why.

Learn More

Historically ESG leaders have strong performance in sustainable investing

Historically companies with higher ESG ratings tend to perform better over time than companies over lower ESG ratings1

The performance of individual companies can be tracked using historical economic trends over boom and bust periods. For example, within the MSCI ACWI Investable Market Index (IMI), companies in the top ESG quintile outperformed those in the bottom quintile consistently over 1-, 3- and 5-year periods.2 This underscores that companies with higher ESG scores have performed better over time.

ESG and financial performance

The majority of metadata studies find a positive or neutral correlation between ESG and financial performance compared to conventional investments.3

Climate and sustainability factors are increasingly material to building stronger, more resilient portfolios for clients.  Regardless of strategy, leading investors are taking a research-first approach to integrating these factors into their investment and ownership decisions.

Custom Reporting

Custom reporting using relatable sustainability metrics

Through our acquisition of OpenInvest, J.P. Morgan now offers automated and relatable sustainability reporting. Clients can view certain indicators within their portfolios versus that of the benchmark such as “fewer one way flights from NYC to London” and more across eligible securities. This information will provide investors with a more nuanced view of the ESG metrics on applicable holdings, giving them a new tool to evaluate parts of their portfolio.

*All information is for example purposes only

*It is not possible to invest directly in an index.

1ESG and Performance, MSCI.com, 2023.

2ESG Factor Returns: 2022 in Review, MSCI.com, March 7, 2023.

3ESG and Financial Performance: Uncovering the Relationship by Aggregating Evidence from 1,000 Plus Studies Published between 2015-2020, NYU Stern Center for Sustainable Business. By Tensie Whelan, Ulrich Atz, Tracy Van Holt and Casey Clark, CFA, 2021.

Talk to your J.P.Morgan Team to learn more about ESG

Sustainable investment opportunities

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Important Information

DEFINITIONS

The MSCI ACWI Investable Market Index (IMI): The MSCI ACWI Investable Market Index (IMI) captures large, mid and small cap representation across 23 Developed Markets (DM) and 24 Emerging Markets (EM) countries*. With 9,152 constituents, the index is comprehensive, covering approximately 99% of the global equity investment opportunity set.

KEY RISKS

Investment approaches that incorporate environmental, social and governance (“ESG”) considerations or sustainable investing may include additional risks. ESG or sustainable investing strategies (together, “ESG Strategies”), including separately managed accounts (“SMAs”), mutual funds and exchange traded funds (“ETFs”), can limit the types and number of investment opportunities and, as a result, could underperform other strategies that do not have an ESG or sustainable focus. Certain strategies focusing on a particular theme or sector can be more concentrated in particular industries or sectors that share common characteristics and are often subject to similar business risks and regulatory burdens. Because investing on the basis of ESG /sustainability criteria can involve qualitative and subjective analysis, there can be no assurance that the methodology utilized by, or determinations made by, J.P. Morgan, or an investment manager or investment adviser selected by J.P. Morgan, will align with the beliefs or values of the Client. Additionally, other investment managers and investment advisers, including our affiliates, can have a different approach to ESG or sustainable investing and can offer ESG Strategies that differ from the ESG Strategies offered at J.P. Morgan with respect to the same theme or topic. When evaluating investments, an investment manager or investment adviser is dependent upon information and data that might be incomplete, inaccurate or unavailable, which could cause the manager/adviser to incorrectly assess an investment’s ESG or sustainable attributes.

In making investment decisions, J.P. Morgan uses data and information, including but not limited to, industry classifications, industry grouping, ratings, scores and issuer screening provided by third party data providers or by a J.P. Morgan affiliated service provider.  J.P. Morgan does not review, guarantee or validate any third-party data, ratings, screenings or processes.  Such data and information will not have been validated by J.P. Morgan and can therefore be incomplete or erroneous. ESG and sustainable investing are not uniformly defined concepts and scores or ratings may vary across data providers that use similar or different screens based on their process for evaluating ESG characteristics. Investments identified by J.P. Morgan as demonstrating positive ESG characteristics might not be the same investments identified by other investment managers in the market that use similar ESG screens or methodologies. In addition, investments identified as demonstrating positive ESG characteristics at a particular point in time might not exhibit positive or favorable ESG characteristics across all relevant metrics or methodologies or on an ongoing basis. ESG or sustainable investing practices differ by asset class, country, region and industry and are constantly evolving.  As a result, a company’s ESG or sustainability-related practices and J.P. Morgan’s assessment of such practices could change over time.

The ESG or sustainable solutions offered by J.P. Morgan meet our internally developed criteria for inclusion in the ESG Strategies available to our clients which, where applicable, take into account ESG or sustainable investing regulations. As part of the due diligence process, J.P. Morgan’s Manager Solutions team applies an ESG eligibility framework that establishes minimum criteria for determining the universe of ESG Strategies offered to our clients.   The evolving nature of sustainable finance regulations and the development of jurisdiction-specific legislation setting out the regulatory criteria for a “sustainable” investment or “ESG” investment mean that there is likely to be a difference in the regulatory meaning of such terms. This is already the case in the European Union where, for example, under the Sustainable Finance Disclosure Regulation (EU) (2019/2088) (“SFDR”) certain criteria must be satisfied in order for an investment to be classified as a “sustainable investment”. Unless otherwise specified and where permitted by applicable law, any references to “sustainable investing” or “ESG” in this material are intended as references to our internally developed criteria only and not to any jurisdiction-specific regulatory definition.

This material is for information purposes only, and may inform you of certain products and services offered by private banking businesses, part of JPMorgan Chase & Co. (“JPM”). Products and services described, as well as associated fees, charges and interest rates, are subject to change in accordance with the applicable account agreements and may differ among geographic locations. Not all products and services are offered at all locations. If you are a person with a disability and need additional support accessing this material, please contact your J.P. Morgan team or email us at accessibility.support@jpmorgan.com for assistance. Please read all Important Information.

GENERAL RISKS & CONSIDERATIONS

Any views, strategies or products discussed in this material may not be appropriate for all individuals and are subject to risks. Investors may get back less than they invested, and past performance is not a reliable indicator of future results. Asset allocation/diversification does not guarantee a profit or protect against loss. Nothing in this material should be relied upon in isolation for the purpose of making an investment decision. You are urged to consider carefully whether the services, products, asset classes (e.g. equities, fixed income, alternative investments, commodities, etc.) or strategies discussed are suitable to your needs. You must also consider the objectives, risks, charges, and expenses associated with an investment service, product or strategy prior to making an investment decision. For this and more complete information, including discussion of your goals/situation, contact your J.P. Morgan team.

NON-RELIANCE

Certain information contained in this material is believed to be reliable; however, JPM does not represent or warrant its accuracy, reliability or completeness, or accept any liability for any loss or damage (whether direct or indirect) arising out of the use of all or any part of this material. No representation or warranty should be made with regard to any computations, graphs, tables, diagrams or commentary in this material, which are provided for illustration/ reference purposes only. The views, opinions, estimates and strategies expressed in this material constitute our judgment based on current market conditions and are subject to change without notice. JPM assumes no duty to update any information in this material in the event that such information changes. Views, opinions, estimates and strategies expressed herein may differ from those expressed by other areas of JPM, views expressed for other purposes or in other contexts, and this material should not be regarded as a research report. Any projected results and risks are based solely on hypothetical examples cited, and actual results and risks will vary depending on specific circumstances. Forward-looking statements should not be considered as guarantees or predictions of future events.

Nothing in this document shall be construed as giving rise to any duty of care owed to, or advisory relationship with, you or any third party. Nothing in this document shall be regarded as an offer, solicitation, recommendation or advice (whether financial, accounting, legal, tax or other) given by J.P. Morgan and/or its officers or employees, irrespective of whether or not such communication was given at your request. J.P. Morgan and its affiliates and employees do not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any financial transactions.

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