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What is Ethical Investing?

At its core ‘Ethical Investing’ is a range of investment styles which go beyond simple financial returns to incorporate ethical, social and responsible values.

The 3 most well known ethical investment styles are:

1/ SRI – Socially Responsible Investing. A more traditional method that excludes unwanted sectors such as fossil fuels, weapons etc.

2/ ESG – Environmental, Social, Governance. A growing, more modern method for screening companies based on their environmental impact, treatment of staff and transparency of management. ESG has become more popular with the ability to gather and share detailed information about a companies use of resources, waste management, HR practices and quality of the management process.

3/ Impact Investing – choosing only to invest in companies working to solve the problems faced by humanity and the planet eg. sustainable farming, healthcare, renewable energy.

Ethical investing is a broad term used to describe a number of different approaches to investing which seek to reduce the negative impact that industry has on our planet and the people living on it.

It’s not just about the environment (although that is a big part of it) it’s also about people and the community.

Corporate Governance (how a company is run) plays an important part in deciding if a company meets the right criteria for investment. Companies with ‘bad’ corporate governance run the risk of falling foul of scandal, bad publicity and negative investor sentiment.

By choosing only to invest in companies with good corporate governance, ethical investing is a way for investors with a conscience to have a positive impact on the way companies are run, how they treat employees, their standing in the wider community as well as their consideration to environmental factors.

How it Works

We provide fully regulated, independent, ethical financial advice.

The process is much the same as you would expect from any financial advice firm except, we use our knowledge and experience of ethical investments to help conscientious investors like you, find the right funds and portfolios to invest in-line with your beliefs.

We start by talking with you (in person or remotely) to discuss what you would like to achieve, what areas of your financial plan need consideration, your investment preferences, knowledge of financial products and your understanding of the risks involved.

Balancing what you want to achieve with your current lifestyle and budget helps us develop a tailored recommendation.

It’s not about picking individual stocks or shares to create a portfolio. Instead, we turn to respected and experienced fund managers who run a range of established ethical funds and portfolios with a proven track record of delivering genuine ethical solutions with solid performance.

Having established your preferred ethical investing strategy and selected a suitable fund or portfolio, your investment can be placed in an appropriate ‘wrapper’ be it a Pension, ISA, General Investment Account, Investment Bond or Trust Account.

Please call and speak to one of our ethical financial advisers on: 023 8000 3456 and we can explain the process in more detail.

The Growth of Ethical Investment Advice

In the past, your investments could have been used to fund companies making weapons, exploiting workers and damaging the environment and it would have been difficult to invest in a way aligned with your beliefs.

Ethical funds were hard to find, difficult to access and had high charges.

Now, thanks to growing consumer demand and changes in legislation, ethical investing options are more widely available, easier to access and with very competitive management charges.

Ethical portfolios have demonstrated the ability to perform as well as non-ethical equivalents and the competitive charges make them an obvious choice for conscientious investors.

There is no longer any need to compromise on cost or performance while helping create a cleaner, more sustainable world.

That’s something to feel good about.

We help you access a wide range of ethical funds and portfolios to find a solution that meets your ethical preferences and investment expectations.

Funds and portfolios are carefully selected for quality and performance and a completely bespoke portfolio service is available for larger investments.

Investment Options

Investment options have been carefully selected based on strict ethical credentials and include:

Ethical Funds – from respected fund managers with a track record of positive engagement and solid performance

Ethical Model Portfolios – ‘off the shelf’ portfolios containing a range of ethical funds. (ESG, SRI & Impact portfolios are available to suit a variety of ethical preferences).

Bespoke Portfolios – for high net worth investors. A portfolio constructed just for you. (Semi-bespoke portfolios over £200k, fully bespoke over £300k).

You’ll receive advice to help you access suitable ethical investments plus ongoing monitoring and reviews for the life of the investment.

We aim to provide the best advice we can and stick with you for us long as you need us.

Take your first steps to Ethical Investing:

Get in touch, tell us your plans and we’ll tell you about the available options

After gathering more detailed information & carrying out research we present you with a personal recommendation

If you’re happy with our recommendation, switch to ethical investments and start making a positive impact with your savings

Rest assured, we are regulated by the FCA

Ethical Money is listed on the FCA register under number 607976 and is an Appointed Representative of New Leaf Distribution Ltd who are also authorised and regulated by the Financial Conduct Authority Number 460421. Registered office 1st Floor Princess Caroline House, 1 High Street, Southend on Sea, Essex, SS1 1JE

In all areas of our business we aim to operate according to the FCA’s 11 principles for business which are: Integrity, Skill care & Diligence, Management & control, Financial prudence, Market conduct, Customers’ interests, Communication with clients, Conflicts of interest, Relationships of trust, Client’s assets & Relations with regulators.

We are regulated to provide independent financial advice which means if, following a detailed review of your circumstances, an ethical option is not the right one, we can still recommend a suitable solution.