Ethical funds are increasingly popular, more and more of our clients are placing greater emphasis on a socially responsible approach to investing.
This is a developing arena; not all propositions classified as an ethical investment are the same.
The United Nations supports specified principles based on the notion that environmental, social and governance (ESG) issues, such as climate change and human rights, can affect the performance of investment portfolios and should therefore be considered alongside more traditional financial factors when investing. Now nearly 30% of global investments claim to have some ESG component. ESG funds will nearly always exclude companies involved with fossil fuels, tobacco and armaments.
“Ethical” investment funds draw the net tighter, by excluding all Pharma companies involved in any animal testing.
“Impact Investing” takes things even further seeking out companies, organisations and funds with the intention to generate social and environmental impact through their products, services and business practices.
Different factors are important to different clients. In addition to this there is a challenge to balance a client’s attitude to risk and reward with their ethical stance as a number of larger companies are excluded from the investment universe due to the ethical criteria. Consequently, we have built model portfolios with Ethical funds to a Cautious/Moderate and Moderate risk rating giving a balance approach between ethical contribution and sound investment strategy.
For clients who have an absolute stance on ethical investments we can build bespoke portfolios according to their specific needs, within the limitations of what is available within what we consider to be sound investment funds.
Your investments may fall as well as rise and you may not get back what you put in.
We provide financial planning to help our clients make informed decisions about money and establish what is important to them.
Inheritance Tax Planning
We help clients structure their assets to safely control succession and minimise tax.
Pension and Retirement Planning
The right solutions to best meet your retirement needs and requirements for income.
Annual Investment Review
We offer an annual Face-to-Face review of investments under management and the client’s situation.
Quarterly Rebalancing Service
We offer a portfolio review in which we construct, amend, provide commentary on and rebalance our clients’ investments.
Tax Efficient Investment
We help our clients to invest tax-efficiency, giving them the ability to make a choice suited to their knowledge and risk preferences.
There are a range of insurance and protection plans that can help cover you and your family in the event of ill health or early death.
Ethical funds are increasingly popular. More and more of our clients are placing greater emphasis on a socially responsible approach to investing.
Modern Money Financial Services Limited is authorised and regulated by the Financial Conduct Authority: 150571. Registered in England: No. 2459464. Directors: M Paine, L Edmunds
The Financial Conduct Authority does not regulate tax or estate planning
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK
© Modern Money Financial Services Ltd 2019