Frequently Asked Questions

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Frequently Asked Questions2018-03-21T18:07:39+00:00
What benefits would I gain from using a Discretionary Fund Manager (DFM) for the extra costs?2019-05-14T09:39:31+01:00

What benefits would I gain from using a Discretionary Fund Manager (DFM) for the extra costs?

Clearly there is a cost associated with using a Discretionary Fund Manager (DFM).  However this should be balanced against the time, effort and cost of managing investments yourself.

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Do Ethical & Sustainable Funds make a difference?2019-03-27T09:41:14+00:00

Do Ethical & Sustainable Funds make a difference?

It’s correct to say that some ethical and sustainable funds fail to live up to the marketing. Claiming to invest positively, when in reality, little of the fund is invested that way.  However, there are many good funds that truly invest in solutions to social and environmental challenges. For example climate change, pressure on resources and an ageing population.

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Ethical Funds | Aren’t these kind of investments for environmentalists?2019-01-23T10:55:41+00:00

Ethical Funds | Aren’t these kind of investments for environmentalists?

Ethical funds were traditionally seen as the preserve of the environmental nutcase.  In fact, one of the founders of the first ethical fund in the UK, tells a story of people telling him that the fund should be called the Brazil fund because it was nuts!

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I Like to pick my own funds, how would I benefit from using Pennine Wealth Solutions?2018-11-26T11:07:30+00:00

I like to pick my own funds, how would I benefit from using Pennine Wealth Solutions?

This is a highly specialist market which requires specialist knowledge.  Constructing a multi-asset portfolio that also makes a demonstrable positive impact isn’t easy and is likely to prove very time-consuming.
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Positive Investments | Better to get as much return as you can & do good with the profits?2018-10-25T14:01:04+01:00

Positive Investments | Isn’t it better to get as much return as possible & do good with the profits?

Some people believe that it’s better to maximise returns, arguing that you can then give more to charities.  There are a number of reasons why this dose not stand up.
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Sustainable Investments | Does it take a lot of time and resources for research?2018-09-27T14:13:45+01:00

Sustainable Investments

There’s no doubt that positive investing introduces an extra layer of complexity with sustainable investments.
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What if I am comfortable with my existing advice process , why do I need to consider alternatives?2018-08-15T10:06:07+01:00

There is a disturbing disconnect between advisers and investors on sustainable investing.  According to Morgan Stanley, over two thirds of investors have an interest in sustainable investing, whilst Cerulli Associates reported adviser interest at half this level. (more…)

By their very nature, are the investment vehicles in this area very illiquid and high risk?2018-07-18T10:39:19+01:00

In fact, the majority of funds are open ended with daily trading, and have a high level of liquidity. There are some investment companies that hold less liquid assets such as infrastructure and real estate, but even these are traded on the main market of the London Stock Exchange.
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There is a very small Universe of funds in this space, so it doesn’t make financial sense?2018-06-20T08:10:05+01:00

It’s certainly the case that ethical and sustainable funds comprise a small proportion of the whole marketplace, but this marketplace is very big.  There are around 220 funds monitored by 3D Investing which are registered for sale in the UK and have an ethical or sustainable mandate.
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I have asked in the past and my clients aren’t interested?2018-05-14T13:25:27+01:00

All the research shows that investors are interested in positive investing, but how advisers ask the question is important.  PWS can supply advisers with a survey that helps to uncover what clients really think about positive investing.   (more…)

What is positive investing and why should I consider it for my client?2018-03-27T10:10:58+01:00

Positive Investing involves using your money to make a positive social or environmental impact. It is still an investment, and as such, the aim is to deliver a competitive financial return whilst also generating positive benefits for the wider community or the environment. Typical positive investments might include social housing, energy efficiency, sustainable transport or healthcare. (more…)

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