Investment guide

Investing in change

The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply. Past performance is not an indicator of future performance and should not be relied on as such.

Your investments are our first priority

But we’re also conscious about their impact on the world we live in. That’s why the PPF funds have embedded responsible investing into their approach to investment management.

By embracing responsible investing, you help the planet and could help your long-term returns, too.

That’s why the investment manager, Coutts, has committed to achieving Net Zero across the Personal Portfolio Fund range by 2050 and has set interim targets in 2025 & 2030 to help achieve net zero. 

Coutts, our investment manager, is a Certified B Corporation as well as signatory and participant of:

B Corp certification means Coutts, our investment managers for Royal Bank Invest, consciously work towards providing responsible wealth management in line with exceptional levels of service. 



Climate Action 100+
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Principles for Responsible Investment
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Stewardship Code
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Race to Zero
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What is responsible investing?

It’s an investment approach that Coutts, the investment manager for the Personal Portfolio Funds, uses for the funds they select.

Responsible investing consists of three key areas: environmental, social, and governance (ESG):


The impact on the environment. This includes carbon emissions, deforestation, water usage and packaging.


The impact on society. This includes the treatment of staff, making sure supply chains avoid unethical labour practices, and the health impact of products.


The impact on the business environment. This includes accounting practices, negotiations with suppliers, attitude to diversity and contribution to a fair and stable market environment.

Why ESG factors are important for investments

These factors are not just based on moralistic beliefs, they can make good financial sense.

That’s because there’s a strong link between share price performance, and companies who have good corporate practices.

Does responsible investing affect returns?

Market data tells us that by being a responsible investor, you could potentially reduce your downside risk and see a positive impact on your returns. 

Whenever there is a market shock, for example, statistics show that those invested in products that consider environmental, social and governance (ESG) factors have lost less money – and over the long term, have made more.

Source: NYU Stern Center for Sustainable Business examine the relationship between ESG and Financial Performance in more than 1,000 research papers from 2015 – 2020. (Next paper due in 2025)


How responsible investing is part of our DNA

As a bank, we want to be climate positive by 2025 – so you can see that we take the environment as seriously as we take responsible investing.

Now, we’ve already made big changes – including significantly reducing energy consumption in our branches, and sourcing 100% of branch electricity from renewable sources – but we need to go further.


What's in it for you?

If you invest in PPF, you can rest assured that the funds seek to support the transition to a low carbon economy, improve the treatment of staff and behave responsibly.   

Get started with Royal Bank Invest

You’ll need to be a Royal Bank customer with Digital Banking, aged 18 – 84 and a UK residence for tax purposes. 

Click “Continue” to log into the Royal Bank Invest portal.

Learn more about investments

Whether you’re an experienced investor or just finding out what investing is, we’ve got a range of articles to help you understand more about investing.

We regularly update our articles depending on what’s happening in the market so check back for future updates.