ETHICAL INVESTMENT ADVICE

ETHICAL
INVESTMENTS

NOTE: We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted which will require us to share your personal information with our advisers and our group of companies. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our privacy policy.

FAMILIES | ENTREPRENEURS | WOMEN

THE IMPORTANCE OF ETHICAL INVESTMENT

Ethical investment, or socially responsible investing (SRI), is an increasingly popular approach that empowers individuals and businesses to invest in alignment with their values. It involves supporting companies and industries committed to sustainability, positive social impact, and ethical practices. Ethical investments not only promote a better world but can also offer financial stability and long-term growth. Discover how ethical investing can align your investments with your principles while potentially delivering strong returns by downloading our ethical investment guide.
The value of investments can fall as well as rise and you may not get back the amount originally invested.

“I had the pleasure of working with Rebecca as my financial advisor. Rebecca is extremely knowledgeable and experienced when it comes to all aspects of personal finance, including investments, retirement planning, and tax strategies. She took the time to truly understand my financial goals and tailored her advice and recommendations to my specific needs.”  Nicole Newbury, UK, 2023

ARE YOU INTERESTED IN ETHICAL INVESTING?

Book a free 20 minute discovery call where we can explore how we can help you and your unique situation. Our Client Manager Katie will be able to answer all your questions about our approach and establish if there is a good fit for working together.

DOWNLOAD THE GUIDE

WHAT YOU'LL FIND IN THE ETHICAL INVESTMENT GUIDE

AN OVERVIEW OF ETHICAL INVESTING

Find out about what ethical investment is, how it works, who to engage with and when to engage with opportunities.

ETHICAL INVESTMENT
APPETITE

Understand the 3 levels of ethical investment and how to define your priorities to support your investment goals.

ETHICAL INVESTMENT
PROCESS

Learn the 4 steps you need to take to gain confidence in ethical investment and make the right decisions for your circumstances.

IS THE CONCEPT OF ETHICAL INVESTMENT DAUNTING?

HERE AT EVOLUTION FINANCIAL PLANNING WE UNDERSTAND, AND CAN HELP:
  • You understand what the top ethical funds are
  • Learn which are the most ethical companies to invest in
  • Know what are the best ethical stocks and shares to buy now
  • Get clear on why  there are higher charges for some ethical investments vs others
  • How to tell if some ethical sustainable investing options are genuinely eco-friendly?

Most people also have concerns around general investment and financial planning matters such as risk avoidance, income vs lump sum investments, pensions, etc. We can help you with exploring your overall risk appetite and return expectations so that you can make a truly informed decision.

Helping You To Understand

SHOULD YOU USE AN IFA FOR ETHICAL INVESTMENTS?

You don’t have to use an IFA… Here’s a comparison of the different approaches…

WHY USE AN IFA

Our award-winning all-female team of advisers can help you to select investments that give you the best of both worlds; investments that allow you to put your money where your morals are, and that have the potential to achieve your personal financial goals.
We answer all your ethical investing and financial planning concerns in a safe, non-judgmental environment. With our expert ethical financial advice, you’ll have the confidence of knowing you’ve invested wisely and that you’re in control of your financial future.

NAVIGATING YOURSELF

It is 100% possible to invest ethically on your own without the help of an independent financial adviser (IFA). However, there are numerous pitfalls to this, not least of all the time and effort it will take to discern which investments are genuinely ethical and which aren’t.
Whether you decide to use our services or not, we want you to feel completely comfortable and confident in your moral investment decisions. That’s why we’ve put together an ethical investment guide. It explains ethical investing and provides specific tips to help you navigate your ethical investment decisions.

CONSIDERATIONS TO TAKE INTO ACCOUNT BEFORE INVESTING...

PREPARE FOR THE UNFORESEEN

We strongly recommend that you ensure your income is protected before you invest. If worst came to worst and you were unable to work for an extended period of time, you need to make sure that you and your family will still be able to pay the bills. As a general rule, it makes sense to have at least three months of savings to fall back on as an emergency fund.

THINK ABOUT YOUR RETIREMENT

We also recommend thinking about a pension before you invest. If you are employed, pensions can benefit from employer contributions and tax breaks, and so are a less risky investment for retirement. If you already have a pension, you can think about investing any spare cash you have to boost your pension once you retire.

THINK YOU ARE READY TO START YOUR JOURNEY WITH ETHICAL INVESTMENTS?

There are so many investment options that it is always worth talking to a professional who knows the market and can advise you on which option(s) will be best suited to your circumstances.

Whether you are still unsure or you are ready to invest, our award-winning all-female team of advisers can help you develop a clear idea of how to invest, what to invest, and the best way of doing so for your circumstances, so that you feel completely confident in your investment decisions. Book a discovery call and discuss things further with a member of our team.

Book a free 20 minute discovery call where we can explore how we can help you and your unique situation. Our Client Manager Katie will be able to answer all your questions about our approach and establish if there is a good fit for working together.

CLEAR | CONSCISE | CONSISTENT

OUR COMMITMENT TO YOU:

  • You will always have a female adviser
  • You will always be spoken to professionally and honestly
  • All your information is protected by the relevant GDPR policies.
  • You will not be charged any fees until you have approved them
  • We promise to act fairly and professionally at all times
  • We provide independent advice, acting on our client’s behalf

“After seeing Rebecca’s work with a close friend, I was very impressed and subsequently sought her advice myself. I have an intermediate knowledge of finance and was pleased that Rebecca took that into account. She didn’t make things too simple, nor too complex. Not only could I tell she really knew her stuff, she was friendly and really approachable with any questions. Would not hesitate to use her again if I needed to” Cathey Meredith, Essex 2018

BOOK YOUR DISCOVERY CALL

Book a call and gain valuable insight that can support you to make the most informed decisions about your financial future.

Frequently Asked Questions
regarding investments

If there is a question we don’t answer, please get in touch!

  • Stocks and shares: This is the most common type of investment, and involves buying shares in companies. Shares can go up and down in value, so there is an element of risk involved.
  • Bonds: Bonds are loans that you make to a company or government. They are generally considered to be less risky than stocks, but they also offer lower returns.
  • Funds: Funds are a way of investing in a variety of assets, such as stocks, bonds, and other investments. This can help to reduce risk, as your money is not invested in just one asset.
  • Cash: Cash is the least risky type of investment, but it also offers the lowest returns.
  • Property: Property can be a good investment, but it is important to remember that it is illiquid, meaning that it can be difficult to sell quickly.
  • Other investments: There are a variety of other investments available, such as commodities, derivatives, and cryptocurrencies. These investments are generally considered to be more risky than traditional investments.

The risks and rewards of each type of investment will vary. Stocks and shares are generally considered to be the most risky type of investment, but they also offer the potential for the highest returns. Bonds are generally considered to be less risky than stocks, but they also offer lower returns. Funds can offer a good mix of risk and reward, depending on the type of fund you choose. Cash is the least risky type of investment, but it also offers the lowest returns. Property can be a good investment, but it is important to remember that it is illiquid, meaning that it can be difficult to sell quickly. Other investments are generally considered to be more risky than traditional investments.

The amount of money you need to start investing will vary depending on the type of investment you choose. Stocks and shares can be expensive, so you may need to start with a small amount of money. Bonds and funds are generally more affordable, so you may be able to start with a smaller amount of money.

Your investment horizon is the length of time you plan to invest your money. This will affect the type of investments you choose. If you are investing for the long term, you can afford to take more risk, as you have more time to ride out any fluctuations in the market. If you are investing for the short term, you will need to choose lower-risk investments, as you may need to access your money sooner.

You should review your investments regularly, at least once a year. This will help you to ensure that your investments are still aligned with your goals and risk tolerance.

The tax implications of investing in the UK vary depending on the type of investment you choose. Stocks and shares are subject to capital gains tax, while bonds are subject to income tax. You may also be subject to stamp duty when you buy or sell investments. It is important to understand the tax implications of investing in the UK before you make any investment decisions.

Whether or not you should start investing if you are in debt depends on your individual circumstances and goals. Here are some factors to consider:

  • The type of debt you have: Some types of debt, such as credit card debt, have high interest rates. If you have this type of debt, it is important to prioritize paying it off before you start investing.
  • Your investment goals: If you are investing for the long term, such as for retirement, you may be able to afford to take on some debt, as you have more time to ride out any market fluctuations. However, if you are investing for the short term, such as to save for a down payment on a house, you will need to focus on paying off your debt first.
  • Your risk tolerance: If you are not comfortable with risk, you may want to focus on paying off your debt before you start investing. Investing involves risk, and you could lose money.
  • Your financial situation: If you are struggling to make ends meet, it is probably not the right time to start investing. You need to make sure that you have enough money to cover your essential expenses before you start investing.

If you are considering starting to invest while you are in debt, it is important to speak to a financial advisor. They can help you to understand your options and make the best decision for your individual circumstances.

Whether it is better to invest or add to your pension pot depends on your individual circumstances and goals. Here are some factors to consider:

  • Your age and retirement goals: If you are young and have a long time to retirement, you may be more comfortable investing your money in stocks and shares, which have the potential for higher returns over the long term. However, there is also the risk that the value of your investments could go down in the short term. If you are closer to retirement, you may want to consider adding more to your pension pot, which is a more secure investment.
  • Your risk tolerance: How comfortable are you with the risk of losing money? If you are risk-averse, you may want to focus on adding to your pension pot, which is a less risky investment. However, if you are willing to take on more risk, you may be able to achieve higher returns by investing in stocks and shares.
  • Your tax situation: The amount of tax you pay on your investments will also affect your decision. Pension contributions are tax-deductible, while investment returns are taxed. This means that you will keep more of your money if you invest in a pension.
  • Your financial goals: What else do you want to do with your money? If you have other financial goals, such as buying a house or saving for a child’s education, you may want to invest some of your money in a different way.

Please note, investment returns can vary, the capital and income generated cannot be guaranteed.

This notice cannot disclose all the risks associated with the products we make available to you. You should not invest in or deal in any financial product unless you understand its nature and the extent of your exposure to risk. You should also be satisfied that it is suitable for you in the light of your circumstances and financial position. Different investment products have varied levels of exposure to risks and to different combinations of risks.

Our disclaimers are not intended to be fully inclusive of all relevant risks; we would strongly encourage to you ensure that you have read all relevant literature, and that you are comfortable that you understand all of the associated risks relating to an investment, before you decide whether or not to purchase it. Should you be in any doubt as to the risks involved, or to the suitability of a particular investment, you should seek professional financial advice.

Please note that investment values can go down as well as up and past performance is no indication of future performance.

SIGN UP TO DOWNLOAD THE GUIDE NOW