Put your money where your mouth is!
Figuring out how to go about Sustainable Investing can be very challenging, believe me, been there done that. Sustainable investing is also referred to as Socially Responsible Investing (SRI), Impact Investing or Ethical Investing.
Traditionally this means that weapons and tobacco companies are excluded however this doesn’t go nearly far enough for my liking.
If you go deeper into the so-called “sustainable funds” most banks offer, they consist of companies like Google, Amazon, Unilever, Apple and even Shell. I am not saying these companies aren’t trying their best to become more sustainable however from my personal point of view, there are companies out there that facilitate the transition to a better world TODAY.
During my quest to invest sustainably, I concluded that “Sustainable” means different things to different people. So, I wanted to find a way that was true to my personal interpretation of sustainability: treat your people fair, leave the planet better than you found it, (renewable energy, recycling, waste management), innovative products in textiles, packaging, consumer products,… and sustainable profits based on a sustainable strategy and pricing without exploiting resources,…
So a very important question to ask is: Is it possible to invest ethically AND generate a solid financial return? Does Socially Responsible Investing make financial sense?
The answer is YES! The world’s leading research institutions such as Harvard and the Wharton School at the University of Pennsylvania – as well as industry heavyweights including Morgan Stanley and the Royal Bank of Canada, have confirmed this:
* In the grand majority of cases, Socially Responsible Investing (SRI) criteria have no negative impact on risk or return.
* Responsible investments regularly outperform conventional strategies.
* 91% of impact investors say they generated returns that met or exceeded expectation.
I am not going to pretend I am an investment professional because I am not. I am simply in it for the long term, not for short term gains and this requires a different strategy and a different approach. It is important to have a basic understanding and a level of affiliation with the companies you want to invest in and understand why. When you do this through the traditional channels, usually banks, they will propose you a fund based on your risk profile, collect their fees and that’s about it.
I wanted something different!
And I found something amazing: a young Swiss fintech business named YOVA. They are a young, fun entrepreneurial bunch of people who wanted to approach investing differently and in my opinion, they have succeeded beautifully.
“Yova exists to create a more sustainable world through investing. We want to make sure our grandchildren, and yours, inherit a Planet Earth that is liveable.”
You can start investing from as little as 2.000 CHF which makes investing incredibly accessible, they have fixed fees so no surprises there and here is the best bit: they have made a pre-selection of sustainable companies you can choose from depending on your preferences! You can customise your entire portfolio to your liking.
Everything is online and it is super-easy, you can also keep track as they provide you with an easy to understand monthly report so you can monitor how your investment is performing.
They also organise different events: you can visit their offices, organise special evenings for women who want to invest but don’t fully know how and where to start and more…
I invite you to try out the free investment strategy here: app.yova.ch/en/invite/elisabeth-van-der-maarel – when you use this link and get a free investment strategy YOVA commits to planting a tree for both of us, when you invest we both get 6 months free investing!! Everything to gain! (Currently only for Swiss residents however they are working hard on launching their European platform sometime in 2020. Feel free to reach out and let them know you are interested!)
My last call-to-action is the following: when you invest, you have a vote, use it to make the company focus on actions that will make a difference! Be an activist investor and make a difference!
PS: I was not paid for this article, I simply believe in their mission so I wanted to spread the good news.