Discover inclusive investing

Our world is complex and often unequal. Investing with a focus on inclusion can help you align your investment choices with the changes you want to see in the world. At UBS, we can help you pursue investments that seek strong risk-adjusted returns while also creating a more equitable world.

Inclusive investing empowers investors to support diversity, equity and inclusion through deliberate investment choices that align with their personal principles, promote inclusive social objectives and seek competitive financial returns.

What do we mean by diverse? Our definition includes people who self-identify as women, racial or ethnic minorities, veterans, persons with disabilities and LGBTQ+ individuals.

Learn more about inclusive investing and how we can help uncover smart, innovative investments that align with what’s most important to you.

Managing Director
Head of Sustainable and Inclusive Investing Solutions
Wealth Management USA 

Executive Director
Head of Inclusive Investing
Wealth Management USA

ESG/Sustainable investing considerations: Sustainable investing strategies aim to consider and in some instances integrate the analysis of Environmental, Social and Governance (ESG) factors into the investment process and portfolio. Strategies across geographies and styles approach ESG analysis and incorporate the findings in a variety of ways. Incorporating ESG factors or Sustainable Investing considerations may inhibit the portfolio manager‘s ability to participate in certain investment opportunities that otherwise would be consistent with its investment objective and other principal investment strategies. The returns on a portfolio consisting primarily of ESG or sustainable investments may be lower or higher than a portfolio where such factors are not considered by the portfolio manager. Because sustainability criteria can exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Companies may not necessarily meet high performance standards on all aspects of ESG or sustainable investing issues; there is also no guarantee that any company will meet expectations in connection with corporate responsibility, sustainability, and/or impact performance.

Important information and disclosures
The What’s your story? situations and solutions are hypothetical examples provided for illustrative purposes only. Investing involves risks, including the potential of losing money or the decline in value of the investment. Performance is not guaranteed. The information included is current as of the date indicated and is subject to change without notice.

Purpose of this document.
This is marketing material intended to help you understand services and investments we offer. It should be used solely for the purposes of discussion with your UBS Financial Advisor and your independent consideration. UBS does not intend this to be fiduciary or best interest investment advice or a recommendation that you take a particular course of action.

Personalized recommendations or advice.
If you would like more details about any of the information provided, or personalized recommendations or advice, please contact your UBS Financial Advisor.

Conflicts of interest.
UBS Financial Services Inc. is in the business of establishing and maintaining investment accounts (including retirement accounts) and we will receive compensation from you in connection with investments that you make, as well as additional compensation from third parties whose investments we distribute. This presents a conflict of interest when we recommend that you move your assets to UBS from another financial institution or employer retirement plan, and also when we make investment recommendations for assets you hold at, or purchase through, UBS. For more information on how we are compensated by clients and third parties, conflicts of interest and investments available at UBS please refer to the ‘Your relationship with UBS’ booklet provided at ubs.com/relationshipwithubs, or ask your UBS Financial Advisor for a copy.

Inclusive investing considerations.
At UBS Financial Services Inc., inclusive investing opportunities focus on diversity in firm ownership, portfolio management or investment strategies as described in this publication. Industry standards and terminology related to inclusive investing and diverse investments will differ and are evolving rapidly. Furthermore, while many industry participants, including UBS, are focused on improving the quality of data that is being collected about diversity in investment management, these efforts are ongoing, and current data collection efforts can be limited for certain investment selections. As a result, the standards and definitions that we use for inclusive investing are subject to change.

In assessing data regarding ownership and portfolio management, UBS relies on the information provided by the asset management firms at a point in time, and we do not independently verify or guarantee the accuracy or completeness of such information. In addition, the information currently collected may be more limited for some products or firms, but we expect availability and transparency to expand over time.

Strategies and managers across geographies and styles define and incorporate inclusive investing considerations in a variety of ways. Incorporating inclusive investing factors or considerations into portfolio construction may inhibit the portfolio manager‘s ability to participate in certain investment opportunities that otherwise would be consistent with its investment objective and other principal investment strategies. The returns on a portfolio consisting primarily of investments or strategies considered diverse may be lower or higher than a portfolio where such factors are not considered by the portfolio manager, and the investment opportunities available to such portfolios may also differ. Companies may not necessarily meet high performance standards on all aspects of their DEI Diversity, Equity and Inclusion (DEI) initiatives or inclusive efforts; there is also no guarantee that any company will meet expectations in connection with corporate responsibility, sustainability, inclusivity, and/or impact performance.

No tax or legal advice.
UBS Financial Services Inc., its affiliates and its employees do not provide tax or legal advice. You should consult with your personal tax and/or legal advisors regarding your particular situation.

Important additional information applicable to retirement plan assets (including assets eligible for potential rollover, distribution or conversion).
This information is provided for educational and discussion purposes only and are not intended to be fiduciary or best interest investment advice or a recommendation that you take a particular course of action (including to roll out, distribute or transfer retirement plan assets to UBS). UBS does not intend (or agree) to act in a fiduciary capacity under ERISA or the Code when providing this educational information. Moreover, a UBS recommendation as to the advisability of rolling assets out of a retirement plan is only valid when made in a written UBS Rollover Recommendation Letter to you provided by your UBS Financial Advisor after a review of detailed information that you provide about your plan and that includes the reasons the rollover is in your best interest. UBS and your UBS Financial Advisor do not provide rollover recommendations verbally.

With respect to plan assets eligible to be rolled over or distributed, you should review the IRA Rollover Guide UBS provides at ubs.com/irainformation which outlines the many factors you should consider (including the management of fees and costs of your retirement plan investments) before making a decision to roll out of a retirement plan. Your UBS Financial Advisor will provide a copy upon request.

Important information about our research
There are two sources of UBS research. Reports from the first source, UBS CIO Wealth Management Research, are designed for individual investors and are produced by UBS Wealth Management Americas (which includes UBS Financial Services Inc. and UBS International Inc.) and UBS Wealth Management. The second research source is UBS Investment Research, and its reports are produced by UBS Investment Bank, whose primary business focus is institutional investors. The two sources operate independently and may therefore have different recommendations. The various research content provided does not take into account the unique investment objectives, financial situation or particular needs of any specific individual investor. If you have any questions, please consult your Financial Advisor. UBS Financial Services Inc. is a subsidiary of UBS AG and an affiliate of UBS International Inc.

2022-666826
Expiration: 4/30/2023 Approval date: 4/6/2022 Review Code: IS2201918