Quality Abundance

My Current Ethical Impact Investment Portfolio

  • Concept Page: Better Globe
  • My Review: Evaluating a “Better Globe” – As an Ethical Impact Investment Alternative through Tree Plantations
  • Basically: Invest in trees in semi-arid areas of Africa, stimulating local economy, capturing carbon and getting a return
  • Return: 10%-15% denominated in Euro, 10-13% annual dividends after 5 years, 10X investment after 20 years.
  • Incentive Approach: Buy 12 donation packages and 120 trees annually (can be spread over the year), to receive 20 bonus trees.
  •  Available to: Anyone with Visa/Mastercard and Paypal.
  • My Current Approach: Monthly donation package 53 Eur and 10 tree packages annually 170 Eur. I plan to step up to incentive approach in two months once I’ve closed down some short term debt.
  • My Exposure: 346 Eur (Jan ’19)
  • Referral Link: Help support this site and my journey – I get bonus trees.
  • My Review: Solar in Africa – My experience and thoughts using Trine
  • Basically: Crowdfund solar for off the grid people in Africa
  • Return: 5%-11% p.a. denominated in Euro, expect about 6%. There is a withholding tax
  • Incentive Approach:  Additional interest – E.g. If you invest €1,000 or above TRINE will pay you an additional interest worth 2%. Above €50,000, an additional 3.75%.
  • Available to: Anyone with Visa/Mastercard and Paypal.
  • My Current Approach: Sporadic, as I get referrals, I top up and invest.
  • My Exposure: €205.12 (Jan ’19)
  • Referral Link: Help support this site and my journey (€10 each to invest).
  • My Review: Upcoming
  • Basically: Great for consolidating workplace pensions
  • Expected Return: Fund dependent. I used 7.8% as a benchmark to track against.
  • Incentive Approach: None
  • Available to: Anyone in the UK.
  • My Current Approach: I consolidate old workplace pensions.
  • My Exposure: £18.2k (Jan ’19)
  • Referral Link: UK Only – Help support this site and my journey – We both get £50 towards our pension.

Coming soon

Please note that I do not only invest in Ethical Impact Investing, I do not believe it has matured enough to be part of my core wealth strategy. It is rather a growing part.

In my broader wealth accumulation strategy Additionally I have a rental Property, my core pension with Scalable Capital (we both get £50) and a workplace pension with Aviva (which I’ll consolidate with Pension Bee when I leave).

Latest Posts:

Better Globe – Concept

This is taken from Better Globe Marketing Material and is subject to change, but is useful in gaining an understanding.  I am an ambassador for Better Globe and receive commission on referrals.  Contribute to a better world while doing good and making money at the same time! In…

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How to Accumulate Wealth – Slow and Steady

Originally Posted on Reaching Aspiration – updated 15/01/19 People stress the importance of saving money, but there is less guidance on how to actually make it work for you. How to grow your wealth. Unfortunately putting your cash in a savings account and contributing to your workplace…

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Why Ethical Impact Investing:

Source – Nordea – To limit climate change, we need to reduce our CO2 from 19 tonnes today to 1 tonne of CO2 emissions per year. Going  vegetarian diet would reduce personal carbon footprint by close to 1 tonne.

A much more efficient way of reducing personal carbon footprint is to look at your pension and savings account. By investing in climate solutions. Investing Eur 8,000 reduces personal carbon footprint by 8 tonnes

If everybody reallocated their pension and other savings in this way, there would not be a climate crisis. This also works the other way around. Investing Eur 8,000 in an oil company increases carbon footprint by 3.4 tonnes. 

The more money you have in your pension and savings account, the more responsibility and power you have to help steer the world towards a sustainable future, through investing in sustainable companies and funds. 

In much of the world, when we are short of money, we put it on a credit card, get a low interest loan, it is hard for us to conceive a world without these things. 

If someone doesn’t have something like a proof of address, they can easily be excluded from the system entirely.

Ethical impact investing focuses on accountable allocation of capital. It is a hand up, not a hand out.

With population growth we are dependent on GMOs. Without them there would be famine. Ethical Impact Investing focuses on producing locally and with diversity.

Without it, we cannot live. Only oxygen ranks higher. Ethical investing focuses on sustainable approaches to capturing, storing and utlising water.

“Education is the great engine of personal development. It is through  education that the daughter of a peasant can become a doctor, that the son of a mineworker can become the head of the mine, that a child of farmworkers can become president of a great nation. It is what we make out of what we have, not what we are given, that separates one person from another.” – Nelson Mandela.

Refuse, reduce, reuse, recycle.

My approach is to focus on Circular Economy initiatives in the pursuit of a world without waste, where one by-product (historically waste) becomes an input to another product.

Invest Time instead of Capital - Check out the Circular Economy Job Board

The Circular Economy Job Board