Our investment philosophy
There are currently over 3700 funds available representing £6.9 trillion assets. These all need to be researched for their ethical/sustainable investment focus.
Fortunately the universe of ethical funds has expanded and we have a much wider selection of funds from which we can build sustainable portfolios. The focus of this is to give you a potential return and for you to know the investment fits in with your wishes. You can thus have the potential returns whilst knowing your investments coincide with your values.
Previously ethical investing could mean lower returns, less stable companies, and extreme ideas. Fortunately the world is changing and we want to be a catalyst to further that change.
There are companies that accept their social responsibility and others working towards it. Finding the fund houses and fund managers that are willing and able to invest in these companies on your behalf is our responsibility. It is also our responsibility or goal to encourage these and other fund houses to adopt a more ethical strategy. Once the fund has been established as suitable it then to be considered based on fund size, availability, ratings, charges and longevity. The funds are then reviewed by asset class and geographical exposure to fit a pre-determined asset allocation. The asset allocation is determined by risk to enable us to build portfolios to meet individual attitudes to risk.
All research, investment criteria and asset allocation will be undertaken by Purposeful.Money Ltd. This information will be shared with PFM Associates Ltd and their investment committee as a third party check. PFM will then use their discretionary powers to rebalance and switch the portfolios.
Below is a short presentation that guides you through our portfolio process, simply press the cog button on the right hand side corner and select the speed of the auto-play or just press the arrows to move between slides.