The Ethical Investment Co-operative Ltd are specialists who offer financial advice to clients who want to align their investments with their ethical preferences. The Co-operative has adopted a structure whereby all members are equal and therefore decisions are made on simple majorities, no one director has any more influence than any fellow directors. Key functions and responsibilities are proportionally distributed through the membership, the membership is controlled and restricted to selected financial advisers with appropriate qualifications and who have a desire to promote ethical and environmental investment.
The Co-operative is independent and is transparent and open with regard to its operation and costs. The company has enjoyed working closely with Amnesty International UK over the past 12 years helping to promote ethical investment to their members and has also provided a donation stream in excess of £60,000 over the period. During the same time the Co-operative has been voted by the Consumer Finance Awards run by The Guardian and Observer Newspaper Group as the best IFA firm for three consecutive years with the fourth year as runner up.
The members of the Co-operative believe in what they do and operate the same values and principles within their own lifestyles and working environment. It is with this focus that makes the job worthwhile, in the knowledge that they are helping to assist others who are trying to adopt a lifestyle with a more positive impact on the environment or help discourage the non-ethical working practices of some companies. In the long term, it is hoped that these values will be commonplace which will encourage better corporate behaviour which will be considered the norm.
Every day billions of pounds are lent or invested by banks, pension funds, insurance and investment companies on your behalf. It's your pension, savings or investment, but you don't often get a say in what happens to it, unless you ask!
Economic interests are increasingly influencing and dominating the political, social and environmental agenda across the world. We believe that financial institutions need to be more aware of the social and environmental impacts of the companies that they invest in. Ethical investment is an important part of this movement to help change corporate attitudes.
The traditional aim of companies is to say that 'our role is to maximise profit for share holders'. We say that 'yes, we want to make a financial return, but not at any price'. It is possible to profit with principles, in fact many companies are proving that by becoming more responsible corporate citizens, they are actually more profitable not less. Getting it right first time really can pay dividends and that helps your savings as well.
Through your pensions and investments you own equities or shares in different businesses and these shares can give a vote to the shareholder. A 'quality' ethical fund manager will use this vote to help influence improvements in corporate behaviour.
Ethical Investment is not just about influencing big companies, although that's an important agenda. Why should you invest in businesses whose activities or behaviour you fundamentally disagree with? Ethical investment gives you the choice. We undertake an ethical profile with you to screen out unsuitable companies from your investments e.g. armaments companies, animal testing, Human Rights Abuse etc.
You can also invest in the industries of the future. By changing your banking, or investing in ethical funds, you can focus money into exciting new developments in areas such as renewable energy, organic farming, healthcare and education.
There are times when it can prove difficult to establish your true financial needs. You may want an expert to consider whether or not your finances are in order or to point out if you need to take some action.
We offer a free consultation, of up to half an hour in length, to consider your personal circumstances. Our consultation offer is made without any obligation upon you.
Our directors/advisers are available to meet in person, or if you would prefer it is possible to hold a consultation over the telephone.
In a similar way as the medical profession, there are differences between the manner in which financial planners operate. Some can be viewed as general practitioners, whilst others choose to specialise on certain areas of advice.
Although all our directors/advisers are qualified and experienced in a wide range of areas of financial advice, our particular speciality is to combine financial advice and planning with the facility to invest ethically, according to the wishes and concerns of our clients.
Assisting our clients to plan for their futures, normally requires us to consider all aspects of their financial well-being. We are careful to ensure that we highlight any protection needs, investment or tax saving opportunities that exist. This level of service demands the general financial planning skills that we have built up over the years our business has been in operation.
We offer a free consultation, of up to half an hour in length, to consider your personal circumstances. Our consultation offer is made without any obligation upon you. Subject to you wishing to proceed with our services we will liaise with you and provide you with all the necessary documentation to make an informed decision as to your future financial planning. Our costs will be clearly identified so you are fully aware of the charges applicable and will be based on our hourly rate plus an implementation fee for any plans put in place. Please refer to our Client Agreement, and Information About our Services.
Treating Customers Fairly [TCF] is an initiative of our regulator, the Financial Conduct Authority. It was felt that by introducing high level principles for regulated firms to consider that it would improve fair treatment of customers. At The Ethical Investment Co-operative we aim to embody TCF in all our dealings with you.
There are many different reasons why you may be looking to save, such as a deposit for a house, children’s education, or you have a lump sum to invest. Whatever the reason it is important that you consider all the different factors that will impact on your decision to ensure that you embark on the right path to meet your financial goals, for instance:
Our aim is to help you achieve your financial goals in line with your ethical/environmental preferences.
Management of your investments is a vital role in ensuring that you remain on course to achieve your financial goals. We can assist you with this by reviewing your investments and providing our thoughts and recommendations for the ongoing management of your portfolio.
The review process will consider a number of factors, including:
If you wish us to undertake a review of your investments and provide a report outlining our recommendations please contact us.
We work alongside a number of stockbrokers and discretionary fund managers and subject to how much you wish to invest a bespoke investment portfolio can be tailored to suit your individual needs and ethical/environmental concerns.
Planning for your retirement is essential if you wish to maintain a good standard of living when you cease work, the earlier you start saving the better chance you have of achieving your goal. Saving regularly into a pension scheme is probably one of the best options given the tax advantages associated with these types of plans.
Finding a plan that is right for you is a complex task and we can assist you with this to ensure that your long term planning is on the right track to meet your requirements in retirement.
You may already have pension schemes in place and we will be happy to undertake a full review of these with you to ensure that you are on course to meet your retirement objectives.
If you wish us to undertake a review of your existing pension arrangements and produce a report outlining our recommendations to keep your pension planning on track please contact us.
Retiring is a significant milestone in your life when all those things that you have talked about doing when you retire come to fruition, subject of course to you being able to afford them. There are a number of options available to you to realise your pension pot and finding the right one for you is complex. However we can help guide you through the options to find the most suitable solution for you, such as:
If you wish us to review the options with you and produce a report outlining our recommendations for your retirement please contact us.
Planning for the unexpected and maintaining your standard of living for you and your family is an important part of financial planning. Ask yourself, how would you cope and continue to provide for your family should you have an accident or become ill and unable to work, or if you lost your job. What if you were to die who would provide for your family? None of us like to think about these things but if the unexpected did happen the last thing you need is the added stress of how you will manage financially. After all we insure our possessions such as our house and contents so why not our lives and income.
There are numerous insurance products available, which can be tailored to meet your needs and to cater for future changes in your circumstances, such as:
If you wish us to undertake a review of your protection planning and produce a report outlining our recommendations please contact us.
None of us like thinking about our demise and therefore we put off discussing and making a Will. However if you die “intestate” i.e. without making a Will then there is no guarantee that your assets will be passed onto those that you wish to inherit. The Law is very specific about how your assets are distributed when you die intestate and can be very complicated especially if you have children, whether they are dependent or not.
A Will can be prepared in a matter of hours and the cost of preparing this will far outweigh the potential charges that could be incurred due to the additional administration and potential IHT if there was no Will in place.
We would therefore strongly advise you to consider drafting a Will and ensure that this is kept up to date with your wishes.
If the value of your estate exceeds a certain limit i.e. the Nil Rate Band, then the amount your beneficiaries will inherit will be drastically reduced, as anything over the Nil Rate Band will be subject to an inheritance tax of 40%. There are options which you can consider to help manage and reduce your potential liability such as:
We will be happy to guide you through the options and create a plan to help with the on-going management of your estate. If you wish us to undertake a review of your potential liability and produce a report outlining our recommendations please contact us.
Click here to view the Ethical Investment Brochure
Click here to view Important Information About Our Services
Whilst The Ethical Investment Co-operative has taken all reasonable care to ensure that the information contained within the pages of this site is accurate, current and complies with the relevant United Kingdom legislation and regulations as at the date of issue, no liability can be accepted for any errors or omissions, or for this information becoming out of date.
The Ethical Investment Co-operative accepts no responsibility for information contained in any other sites which can be accessed by hypertext link.
Nothing on the pages of this site shall be deemed to constitute financial advice in any way and you should contact us if you require any financial advice.
Past performance is not necessarily a guide to the future. The value of investments and the income from them can fall as well as rise as a result of market and currency fluctuations and you may not get back the amount originally invested. All products purchased through The Ethical Investment Co-operative should be regarded as medium to long-term investments.
The Financial Ombudsman Service Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk
Copyright 2014 by Ethical Money
The Ethical Investment Co-operative Limited is authorised and Regulated by The Financial Conduct Authority.
Registered office The Ethical Investment Co-operative Ltd, 4 The Riding School, Aske, Richmond, DL10 5HQ
Registered number 3350281 England & Wales
Site by Purple Creative Studio - Login