FAQs Archive - Positive Pennine

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

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. Pennine Wealth Solutions works with partners, 3D Investing and Smart IM, to offer a range of risk-rated portfolios that also make a positive social impact. 3D Investing analyses over 220 ethical and sustainable funds to establish a universe of the leading positive impact funds, including fixed interest, global equities, real estate and infrastructure. Smart IM takes responsibility for risk management, determining asset allocation and fund selection, so you can be confident that the portfolios will meet investors’ needs. Putting an equivalent portfolio together for clients would require a very substantial internal resource. Keeping up to date with funds is also likely to prove time-consuming. Compare this with the Positive Portfolios that make it very easy to offer a disciplined, research-intensive solution for clients. Investors should remember that the value of investments, and the income from them, can go down as well as up. Investors may not recover what they invest. Past performance is no guarantee of future results. Any mention of a specific security should not be interpreted as a solicitation to buy or sell a specific security. For more information on Positive Pennine click here

Q: Positive Investments | Better to get as much return as you can & do good with the profits?

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. Firstly, there is considerable evidence that there is no performance penalty for investing in positive funds, so you can do social good through investment as well as making good returns. And if you choose to give the profits away, you can still do so. Furthermore, everyone has a moral code at some level, and the ends don’t always justify the means. There are many ways of making money and they don’t have to involve areas that you’d rather avoid. It’s also true that the scale of challenges like climate change, affordable housing, healthcare for an ageing population and sustainable food, requires very large investment flows that charity alone can’t provide. Positive investment is vital to fund the solutions that will make the world a better place. Investors should remember that the value of investments, and the income from them, can go down as well as up. Investors may not recover what they invest. Past performance is no guarantee of future results. Any mention of a specific security should not be interpreted as a solicitation to buy or sell a specific security. For more information on Positive Pennine click here

Q: Sustainable Investments | Does it take a lot of time and resources for research?

Sustainable Investments There’s no doubt that positive investing introduces an extra layer of complexity with sustainable investments. There are several different approaches and it can be very time consuming to fully research the alternatives, since specialist knowledge is required. However, Pennine Wealth Solutions launched the Positive Pennine Portfolios to provide an effective solution for non-specialist advisers, since they make it easy to offer this type of investment for clients. Detailed research is undertaken by 3D Investing to ensure that funds really do deliver a positive impact, whilst Smart IM take responsibility for meeting the financial objectives. Pennine Wealth Solutions also offer training to help non-specialist advisers enter this market. This makes it a practical and cost effective solution, even if the level of client interest were low, which surveys* show is unlikely to be the case. For more information about the survey and to see the results please click here . *Survey of over 160 investors carried out by PWS in Sept 2017. For more information on Pennine Wealth Solutions click here

Q: What if I am comfortable with my existing advice process , why do I need to consider alternatives?

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. Source: Cordes Foundation, 28th December 2105 Initial results from Pennine Wealth Solutions’ Investor Survey backs this up. 76% of the investors who responded (43% of the total) indicated that they are interested in positive investing and that they would like their IFA to talk to them about it. Not only does this mean that the IFA is duty bound to offer a suitable solution, but it represents a clear opportunity to cement existing relationships with clients and to attract new investors.

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

This is a highly specialist market which requires specialist knowledge.

Jayne Raven2019-05-14T09:39:31+01:00May 14th, 2019|

Do Ethical & Sustainable Funds make a difference?

This is a highly specialist market which requires specialist knowledge.

Jayne Raven2019-03-27T09:41:14+00:00March 27th, 2019|

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

This is a highly specialist market which requires specialist knowledge.

Jayne Raven2019-01-23T10:55:41+00:00January 23rd, 2019|

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.

Jayne Raven2018-11-26T11:07:30+00:00November 26th, 2018|

Positive Investments | Better to get as much return as you can & do good with the profits?

Some people believe that it’s better to maximise returns, arguing that you can then give more to charities.

Jayne Raven2018-10-25T14:01:04+01:00October 25th, 2018|

Sustainable Investments | Does it take a lot of time and resources for research?

There are several different approaches and it can be very time consuming to fully research the alternatives, since specialist knowledge is required.

Jayne Raven2018-09-27T14:13:45+01:00September 26th, 2018|

What if I am comfortable with my existing advice process , why do I need to consider alternatives?

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.

Jayne Raven2018-08-15T10:06:07+01:00August 15th, 2018|

By their very nature, are the investment vehicles in this area very illiquid and high risk?

Jayne Raven2018-07-18T10:39:19+01:00July 18th, 2018|

There is a very small Universe of funds in this space, so it doesn’t make financial sense?

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.

Jayne Raven2018-06-20T08:10:05+01:00June 20th, 2018|

I have asked in the past and my clients aren’t interested?

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.

Jayne Raven2018-05-14T13:25:27+01:00May 14th, 2018|

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