Latest News2021-05-12T17:12:12+01:00

Why Positive Pennine Portfolios have 30 Million reasons to celebrate turning five!

The Positive Pennine portfolios launched in August 2016 and have recently reached a milestone of not only turning five but having £30 million of investment under management. We think that is something to celebrate! Why I hear you ask.

Positive Pennine are investment portfolios that have been designed using a wide variety of investments that make a social or environmental difference whilst avoiding certain areas such as fossil fuels, tropical deforestation and mining, to name but a few.

Over the past five years, there has been more and more talk about climate change and the damage to our planet. You only have to watch the news or pick up a paper to see the evidence. So, to see investors requesting that their pensions and investments are doing good in the world and avoiding harm can only be a good thing and something to celebrate!

It was also recently reported that socially responsible investing is predicted to double in 2021. Nine out of 10 investors are beginning to move their capital into ‘greener’ investments in response to the threat of climate change (Unbiased April 2021). *

With this in mind, it’s important that Financial Advisers understand and are able to offer sustainable and responsible investment solutions to their clients.

Here at Positive Pennine we have been working with Financial Advisers over the last five years and continue to do so by providing education on the importance of sustainable and responsible investing.

Time is taken to explain the terminology used in this area, such as ethical, impact and ESG and so on. Advisers are provided with detailed information on what research was used to construct the Positive Pennine portfolios, how the portfolios are continually reviewed and their performance.

Positive Pennine are proud of what we have achieved in the past five years, and we will continue with our mission to provide investment solutions that are doing good, avoiding harm while making money for investors.

So, as the headline says, there are definitely 30 Million reasons to celebrate!

Positive Pennine

If you would like to know more about sustainable and responsible investing, please visit our website

If you are an IFA and would like more information about the range of Positive Pennine Portfolios, click here or contact Sean Fisher on 0800 161 5052 or email

* Source: – https://www.unbiased.co.uk/news/financial-adviser/socially-responsible-investing-predicted-to-double-in-2021


Positive Pennine is a trading style of Pennine Wealth Solutions LLP, part of the Socium group, which is authorised and regulated by the Financial Conduct Authority and is for professional investors only.  These investments are only accessed via accredited Financial Advisers.

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 specific security should not be interpreted as a solicitation to buy or sell specific security.

August 2nd, 2021|Latest News|

World Environment Day – What’s it all about, and how can the way we invest money make a difference?

The 5th June is World Environment Day. Since 1974 it has been held on this date each year engaging governments, businesses and the general public to address important environmental issues.

The way money is invested can play a big part in addressing these issues and make a difference in achieving the United Nations Sustainable Development Goals (SDGs).

The Positive Pennine range of Portfolios launched in 2016 has an investment strategy focusing on sustainable and responsible investing, designed around the SDGs.

One of the funds within the range of Portfolios is the Rathbones Ethical Bond Fund. Here is what Bryn Jones, Fund Manager at Rathbones says about the Ethical Bond Fund “We believe that the fund offers the opportunity to invest in a fixed income fund with high-quality investment grade bonds whilst applying a broad range of both positive and negative screening criteria that will appeal to consumers with ethical concerns”.

* An example of one of the companies within the fund is Burnham and Weston Energy, which are one of the largest community solar farms in the UK. The 9.3MW Wick Farm Community Solar Project has been generating electricity and income from the sun since June 2016. It’s 36,000 solar panels generate the equivalent of the electricity consumption of around 2,000 homes.

* Surplus income generated by the community solar project will be used to provide funding for community organisations and projects in the local area. The surplus will be around £50,000 per year from the outset and an estimated £3 million over 23 years. Payments will be split between a community grant for local projects and an energy and fuel poverty advice service.

Investing within the Positive Pennine Portfolios is a way that investors can impact the environment through their investments by doing good, avoiding harm while making money and playing a part in addressing the issues highlighted by World Environment Day.

If you would like to know more about responsible and sustainable investing you can find more information on our website www.positivepennine.co.uk

* Source – Rathbone Ethical Bond Fund Illustrative Holdings


Positive Pennine is a trading style of Pennine Wealth Solutions LLP, authorised and regulated by the Financial Conduct Authority and only available through authorised Financial Advisers.

Investors should remember that the value of investments and 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 specific securities should not be interpreted as a solicitation to buy or sell specific securities.

June 4th, 2021|Latest News|

Good Investment Review April 2021


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The next issue of the Good Investment Review is now available to download. In side this issue of the review the writers explores some of the important themes surrounding Responsible Investment (RI). The review provides clarity on the terminology surrounding this style of investing, outlining how to think about and define RI, to help avoid confusion amongst investors. The review outlines the growth in RI funds, highlighting new funds that have entered the 3D Investing universe over the last 6 months, and how the performance of RI funds compares to their traditional counterpart.

We are proud to be sponsors of the Good Investment Review and have supported the publication for many years. In our article as part of the April 2021 Review, we outline how we view Responsible Investing and how we are tackling this area of investment.

THE STORY FROM CHORLEY
Yes Chorley in Lancashire! home to a small model portfolio manager called Pennine Wealth Solutions (PWS). In 2016 PWS launched their Positive Pennine Portfolio range. To date it has attracted £25.2m from 610 investment accounts held by over 400 retail investors.

THE BEGINNING
The PWS team understood very quickly that they had to attract the regular investor, people who had thought this a ‘specialist area’ and not for them. Their own investor surveys showed that there was a willingness to at least place a portion of their investments into ESG and Impact portfolios.

“It’s when the everyday, average investor utilises ESG solutions, that the world can start to change. The weight of invested money means that even the small investor can contribute towards great improvements.”

Back in 2016, IFAs were way behind the curve. It’s taken COVID and multiple lockdowns to accelerate their understanding and involvement. “We had to train and educate the IFAs” says Sean Fisher, Business Development Manager. Several sessions and visiting guest speaker specialists from WHEB, Liontrust, and the 2030 Hub helped greatly.

The Positive Portfolios utilised third party ESG and Impact analysis right from the start.
“We are heavily into utilising investments that work towards the UN goals. The more impact we have, the better”, says Sean. We score very highly in terms of doing good.
The influence of John Fleetwood’s work saw to that.

Any movement along the ESG continuum is welcome. However, we are a bit dubious of many of the recent additions to the ESG bandwagon. A sprinkle of E, and a touch of G, do not make an ESG leader. The S is often lost altogether.

KEY INFORMATION
Marketing Manager at PWS Jayne Raven has created a second website www.positivepennine.co.uk to inform the investor. “These types of investors need two types of data. They want the usual financial information, but equally important is impact and ESG information. How does their pension do good? The more data the better.”

Good Investment Review

Jayne and Sean are also responsible for the quarterly PWS investment seminars. 100-150 investors watched the latest video recording. They can speak directly to their portfolio managers. Ask questions, share thoughts. During lockdown these have continued as webinars. Jayne adds, “by meeting many of our investors on a regular basis, we can communicate far better. They feel close to what is happening with their money. This encourages them to stay invested for the longer term. Not to panic with short term dips in the market.”

Good Investment Review

Over 100 investors attended the (Blackburn) 2020 investor seminar

Investment returns from the Positive Pennine Portfolios have been very strong. By August 2021, they will have a 5-year track record. Fact sheets are available from www.penninewealthsolutions.co.uk Any concerns about performance have been blown out of the water.

PWS have been recognised as a GOOD EGG by consumer website Good with Money. The sustainable goods website Blue Patch also recognises Positive Pennine.

WHAT ABOUT THE FUTURE
PWS want to attract more investors and build our influence further.” You will always find us at the Impact end of the ESG continuum. By matching investor needs with solutions that have a positive impact.”

They have considered a passive range of the Positive Portfolios but don’t believe this is technically available yet.

As IFAs understand the huge variance in the ESG range of investments, PWS hope to appeal to those attracted to Impact Solutions. “We believe the pandemic has created a universal conscious need for a more caring and sustainable world. We have a key role to play.”

If you find our article interesting and would like read more of the Good Investment Review, you can download the full document here


Positive Pennine is a trading style of Pennine Wealth Solutions LLP, which is authorised and regulated by the Financial Conduct Authority and is only available through authorised Financial Advisers.

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.

January 13th, 2020|

Investing in the Transition to a Low Carbon World

The Covid crisis has slowed down many things, but the move to a low carbon world is not one of them.  In the face of another existential crisis in the making, governments have been legislating and companies adapting throughout the world.

This is creating hugely beneficial tailwinds for companies which are either aligned to or are enabling the energy transition to a low carbon, ‘clean’ energy world. In order to limit global temperature increases to the current target of 1.5 – 2 degrees, governments and policymakers have started to realise that we essentially need to drastically reduce our carbon dioxide emissions and revolutionise our current energy infrastructure. Thus, we have started to see a marked shift in governmental approach, with the increasingly widespread introduction of emissions targets, ‘green’ energy policies and financial commitments.

A change in attitude and actions which has also been seen at both a corporate level and in the lives of individuals, with companies and people seeking to adapt their energy usage and limit emissions outputs. However, as this is an evolution still very much in its infancy, it will also be the catalyst for extensive structural growth across the entire global energy infrastructure, as well as numerous investment opportunities.

The Positive Pennine portfolios have recently invested in a fund which strives to take advantage of these opportunities – the Schroder Global Energy Transition Fund. The investment philosophy applied to the fund is broad based in its nature and aims to capture the serious growth potential of this market, driven by the aforementioned shift in global policies and approach. Indeed, its five investment themes of renewable energy equipment, renewable energy generation, transmission and distribution, energy storage, hydrogen and other applications and electrical equipment and services, give the fund exposure to every stage of the energy transition.

This reflects the fact that many different types of company will be part of the energy transition – not just clean energy generators.  Some of these might be classified as ‘enabling infrastructure’, especially relating to electrical equipment and services. This theme starts with the manufacture of more efficient and effective equipment for the production of non-renewable energy, and ends with the companies providing the everyday, end user infrastructure, such as charging points of electric vehicles.

The managers also apply an exclusions screen, which enables the fund to avoid areas of the market and companies which do not align with the intentionality of the approach, with, as one would expect, particular focus being placed on excluding companies associated with fossil fuels or which are negatively contributing to the environment.

Moreover, the manager and his colleagues strive to invest in companies which clearly demonstrate responsible business practices. They will also actively engage with these companies to not only ensure that these standards are maintained, but also to encourage them to play an even bigger role in helping to enable the energy transition.

This is a highly exciting investment area which has long been talked about, but is only just starting to bear the fruits of its potential and the Schroder Global Energy Transition Fund aims to capture this growth.

For more information about how you can choose pensions and investments with a social and environmental conscience, have a look at our website www.positivepennine.co.uk.


Positive Pennine is a trading style of Pennine Wealth Solutions LLP, which is authorised and regulated by the Financial Conduct Authority and is only available through authorised Financial Advisers.

Investors should remember that the value of investments and income from them can go down as well as up. Investors may not recover what they invest. Past performance is no guarantee future results. Any mention of specific securities should not be interpreted as a solicitation to buy or sell specific securities.

February 17th, 2021|Latest News|

Good Investment Review – October 2020

The Good Investment Review published injunction with 3D Investing and the people at Good with Money is now available to download below.

Pennine Wealth Solutions are proud to be sponsors of this publication, as it highlights the research required to make informed decisions when constructing investment portfolios in the sustainable and impact investing market. It also gives advisers confidence when discussing these types of investment choices, that research has shown clients are clearly interested in.

Read our article on Page 67 all about ESG (Ethical, Social and Governance) Investing.

Good With Money is the UK’s first responsible finance website, whose mission is to show it is possible to achieve financial goals that have values and profit with principles. They champion the products and providers that make this possible.  Their website provides consumers with lots of information about sustainable financial products available, helping make more informed choices about how their money is being invested www.good-with-money.com


For more information about Positive Pennine please, contact Sean Fisher Business Development Manager
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.
January 13th, 2020|

So, what is Earth Overshoot Day?

Earth Overshoot Day marks the date when humanity’s demand for ecological resources and services in a given year exceeds what Earth can regenerate in that year (definition by https://www.overshootday.org/about/)

Earth Overshoot Day records started in 1970, with the first overshoot day being recorded on the 29th December 1970.  Over the years this date has moved as the demand on the Earth’s resources have increased. To help demonstrate this, here are a selection of recorded dates.

1975 – 30th November

1985 – 4th November

1995 – 4th October

2005 – 25th August

2015 – 5th August

2019 – 29th July

2020 – 22nd August

You will see from these dates, that the day the Earth’s resources are being used is slowly creeping up the calendar each year.  You will also notice that in 2020 the date moved back one month due to the impacts from the coronavirus pandemic. The Global ecological footprint reduced by 9.3% compared to the same period last year (https://www.overshootday.org/2020-calculation/).

Solutions

Earth Overshoot Day has identified five key areas which can help in moving the date back.

Planet – helping nature to thrive, Cities – how these are built and managed, Energy – how cities, businesses and homes are powered, Food – how food is produced, distributed and consumed, and finally Population.

All of the five key areas link with the United Nations Sustainable Development Goals. The Sustainable Development Goals were introduced by the UN, and adopted by all UN member states, in 2015. The collective aim of the goals is to end universal poverty, protect the planet and improve everyone’s lives, regardless of where they live.

Sustainable Investing

One of the way’s we can also help to move the Earth Overshoot Day back, is by investing in companies and projects that are making a difference to improve the world and will help achieve the UN Sustainable development Goals. The Positive Pennine Portfolios have been designed to do good and avoid harm by focusing on sustainable and responsible investing, in line the UN Sustainable Development Goals, while at the same time making money on investments.

For more information about how you can choose pensions and investments with a social and environmental conscience, have a look at our website www.positivepennine.co.uk.

If you would also like more information about Earth Overshoot Day, please visit their website https://www.overshootday.org/about/


Positive Pennine is a trading style of Pennine Wealth Solutions LLP, which is authorised and regulated by the Financial Conduct Authority and is only available through authorised Financial Advisers.

Investors should remember that the value of investments and income from them can go down as well as up. Investors may not recover what they invest. Past performance is no guarantee future results. Any mention of specific securities should not be interpreted as a solicitation to buy or sell specific securities.

August 20th, 2020|Latest News|

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