Greenwashing

The scale of the climate change challenge is immense and becoming more apparent each year.  If we want to limit global warming to 1.5°C above pre-industrial levels, then global emissions need to fall 7.6% every year this decade. To put this into perspective upon this, the worldwide lockdowns caused by COVID-19 only saw emissions drop…

ESG and Greenwashing

Over the past few years, there has been a growing demand from investors who not only want investment growth but also want to see the companies and funds they invest in providing benefit to the environment and communities.  Known as ESG – Environmental, Social, and corporate Governance – the market is awash with claims of ESG friendly investments.  In fact, the sector has been one of the fastest-growing, and this trend has accelerated dramatically during…

Financial Planning in your 40’s

Finances play a critical role in life throughout.  Many decisions are dictated by the state of our finances, so having good financial planning is one of the most effective tools in achieving the life that you truly want. As we go through life our lifestyles and priorities shift and so do our financial planning requirements. …

Socially Responsible Investing

Traditionally, investment decisions have been made using standard methodology.  A balanced portfolio should have a diversified asset allocation with elements of equity, fixed interest, and cash.  But, until recently, there has been little thought as to the underlying companies and, more importantly, how companies use the invested money. But there is now an ever-increasing movement…