Investment policy

Our investment policy

Part of our available liquid assets is not immediately necessary for direct business operations. This is invested in shares or bonds or is held in cash. The primary objective of Eucare’s investment policy is to preserve capital and limit risks to the solvency position. The aim is also to achieve the best possible return under the conditions set, so that a positive contribution to the annual premium can be realized.

In addition to these financial criteria, Eucare also takes social, corporate governance and environmental considerations into account in its investment policy. The strategic investment policy and governance have been elaborated in an Investment Policy approved by Eucare’s Board of Directors.

Governance and organization

The Investment Policy, approved by the Board of Directors of Eucare, sets out the objectives of the investment portfolio. This also includes the preconditions. The preconditions relate to the risks and the socially responsible interpretation of the investment portfolio.

The investment committee, which is charged with implementing the investment policy, meets every quarter. The investment results of the investment portfolio are discussed with the Board of Directors and the Audit and Risk Committee. The tactical investment policy is outsourced to an asset manager.

Socially responsible investing

Eucare invests prudently and does not take unnecessary risks. We are also aware of our responsibility towards people and the environment. A sustainable and socially responsible investment portfolio fits in with this. In our investment policy, we therefore take social, corporate governance and environmental considerations into account in addition to financial criteria.

Eucare also strives to exclude, to the best of its ability, investments in organizations whose orientation or business focus includes:

– Gamble
– Military weapons and/or firearms
– Pornography
– Exploitative labor practices
– Exploitative environmental practices