If Investment is for you
Complete a full investment assessment and make an informed decision....
If you are not getting the returns you hoped for from your deposits or are wondering how to get a reasonable return, then insurance investment funds offer an alternative for growing your money. Once we discuss and agree your investment risk attitude then the investment mangers will take care of your fund from there. You will have the option to review and switch funds at any stage.
Is Investment for me?
Consider the following and if you are not comfortable with these points, then investment may not be for you.
For a full assessment of investment suitability, please contact me.....
Lump Sums and Regular Premium Investment
There are many reasons why people invest money >
Whatever your reason, contact me for advice and make an informed decision....
Investment through a life insurance policy - an attractive option for business investment
Sustainable investment relates to investment in companies that are changing the way they operate. The three elements are, Environment, Social, Governence. (ESG)
Is ESG Likely To Mean Better Returns?
It may seem obvious that well-run companies which behave well towards their staff, suppliers and customers and do not damage the environment should perform better over the longer term. Past evidence in this regard is mixed. The industries on the wrong side of the trend, such as fossil fuel producers, will see higher costs, disappearing markets and progressive curtailment of their activities. This can work in two ways - the more unpopular the ‘bad’ companies become, the further their valuations will sink, and (a) might offer quite attractive returns for the few investors still willing to embrace them or (b) they might go out of business. The tobacco industry has provided stellar returns over the many years since it first fell from favour.
In short, it would not be prudent to invest on the basis that better returns are likely.
Will ESG Investing Lower Risk?
There is a greater basis for expecting ESG compliant companies to be less risky. Some of the highest profile share price collapses of recent times have been associated with corporate wrongdoing. In 2015, Volkswagen AG shares halved in the wake of the ‘Diesel-gate’ scandal, which brought a total cost to the company in excess of €30bn. Looking to the future, investing though an ESG filter should help avoid those businesses which could lose most in the transition to a zero-carbon world. That is not to say that risk reduction through ESG is guaranteed. A high concentration in a small number of companies and sectors and the favouring of investments can lead to expensive shares.
Firstly, I do not consider any sustainability risks when providing investment advice - please see my SFDR Statement
The main reason for this is the scale of the business. Also, all the investment providers that I use consider sustainability in their investment process and some provide Article 8 and Article 9 funds.
A Word of Caution – You May Be Surprised
The fact that a fund is classified as Light Green (Article 8) or Dark Green (Article 9) does not necessarily mean that it will meet every investor’s
reasonable expectations. Such funds may own companies involved in fossil fuel extraction or other activities which are damaging the planet - or which
have come up substantially short under one or even a number of other ESG criteria. In the first instance this is because many fund managers use systems of ratings which assess companies within the sector in which they operate; a sector-based approach leads, inevitably, to the ownership of the ‘least bad’ companies in all sectors including those which might be considered completely out of bounds, such as Energy, which is dominated by the big oil companies. So, a fund which you believe to be ‘green’ could own large oil companies and such. The use of overall ratings based on scores derived separately under ‘E’, ‘S’ and ‘G’ can also lead to the inclusion of companies which surprise and disappoint investors. For example, a company which has failed badly under ‘G’ could have scored highly under ‘E’ and ‘S’ – with the total score being quite good.
Warning: If you invest in these products, you may lose some or all of the money you invest
Warning: The value of your investment may go down as well as up
Warning: Returns may be affected by changes in currency exchange rates