FINANCES
Local Agent Buys North HOW CAN YOU BECOME A Valley Homes for Cash “SUSTAINABLE” INVESTOR?
Y
our values are important to you – and so are your investments. But you don’t have to keep these two parts of your life separate if you pursue sustainable investing.
If you haven’t heard of this term, you might know it by other names: socially responsible investing, values- based investing and environmental, social and governance (ESG) investing. Essentially, sustainable investing incorporates non-financial or indirect financial considerations, specifically environmental concerns (climate change, renewable energy, water scarcity), social concerns (human rights, product safety or liability) and governance issues (corporate behavior, executive compensation, lobbying and so on). As a sustainable investor, you would invest in companies that take what you’d consider a positive stance on these issues, or are at least improving in these areas, and you’d avoid businesses that fall on what you perceive as the negative side. There are many ways to implement a sustainable investing approach that addresses your specific concerns with varying levels of diversification and control. Some investors select individual stocks of companies they are comfortable supporting. But you might find it more affordable, and more efficient, to invest in mutual funds or exchange-traded funds (ETFs) that focus on sustainable investments. When exploring sustainable mutual funds and ETFs, make sure you look beyond the name of the fund to assess whether its ESG approach aligns with your personal interests and goals. Also, look for these key elements: • DIVERSIFICATION – By definition, mutual funds that concentrate on sustainable investments might exclude entire industries, which could hurt your portfolio’s performance if the excluded investments perform better than the rest of the market. For example, a fund that excludes all oil-related companies
might generate poor returns during a period of rising oil prices. Therefore, you may prefer to invest in a fund that integrates environmental, social and governance considerations into the investment process without excluding specific sectors or types of companies. You can further dilute this risk by owning a wide array of sustainable funds that use different approaches or processes to invest in sustainable companies. However, while diversification can reduce the effects of volatility on your portfolio, it can’t guaran- tee profits or protect against all losses. • TRACK RECORD – As you have no doubt heard, past performance can’t guarantee future results, so you may not want to focus too much on a fund’s historical returns. Still, it might be worthwhile to assess how one fund has performed over time in comparison with similar funds or an index. Many sustainable- investing funds are newer or weren’t always invested sustainably, so be sure the track record you are considering is relevant. Here’s something else to keep in mind: The universe of mutual funds is vast, and some funds may not market themselves as “sustainable,” but still include sustainable considerations in their investment selections. These funds could provide you with more options. Finally, consider including charitable contributions in your investment strategy. In some cases, you may decide that’s a better way to meet your financial and non-financial investing goals than limiting your investment choices. By following a sustainable investing approach or incorporating charitable donations in your financial strategy, you can express your beliefs in a tangible way – while still working to achieve your long-term goals. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
Cole St. Clair, Edward Jones Financial Advisor 13610 N Scottsdale Road Suite 8 Scottsdale, AZ 85254 480-948-1028 northtatumtimes.com
Real Estate Catch 22. Before you North Valley - Every month, hire any professional, you should thousands of homeowners are faced with the stressful dilemma of whether research the market to find out who to buy first or sell first. You see, if you can do the best job for you. When interviewing agents, find out what buy before selling, you could run the kind of guarantee they are willing to risk of owning two homes. Or, just as give you with respect to the selling of bad, if you sell first, you could end your home. Unfortunately, you’ll find up homeless. It’s what insiders in the that most agents simply cannot make industry call the Real Estate Catch such a guarantee. 22, and it’s an extremely anxious To help you learn more about this position to find yourself in. program and how it can make your This financial and emotional move less stressful, a FREE special tightrope is one you usually have report has been prepared entitled to walk alone because most agents have no way of helping you with this “How to Avoid Getting Stuck with Two predicament. But one local realtor Homes”. is using a unique Guaranteed Sale To hear a brief recorded message Program which solves this dilemma. about how to order your FREE copy This program guarantees the sale of of this report call toll-free 1-800-277your present home before you take 1959 and enter 2222. You can call Eaton Vance possession of your new one. If your any time, 24 hours a day, 7 days a home doesn’t sell in 120 days, they week. will buy it from you themselves for Get your free special report NOW the previously agreed price ensuring to find out how to guarantee the cash How can my values? that you never get investment caught in the approach salereflect of your my home.
Eaton Vance
Event details Date: Tuesday, February 19, 2019
How can my investment approach reflect Time: my values?
Join the conversation
6:00 PM Appetizers and drinks
Interest in responsible investing is intensifying, as a growing number of investors are discovering the possibility of earning competitive returns with portfolios that reflect their values. Join us for a seminar that will introduce you to the world of responsible investing. You’ll discover how companies are incorporating environmental, social and governance (ESG) best practices into their businesses — and the role you can have as an investor to affect positive change.
Join Reservethe your conversation place now because space is limited. Interest in responsible investing is intensifying, as a growing number of investors are discovering the possibility of earning competitive returns with portfolios that reflect their values. Join us for a seminar that will introduce you to the world of responsible investing. You’ll discover how companies are incorporating environmental, social and governance (ESG) best practices into their businesses — and the role you can have as an investor to affect positive change. Reserve your place now because space is limited.
Location: Tommy Bahama Restaurant 15205 N Kierland Blvd Scottsdale, AZ 85254 Hosted by Cole St. Clair Event details Date: For further details, please Tuesday, February 19, 2019 contact: Marlaina Traut
Time:
Office of Cole St. Clair 6:00 PM Edward Jones Appetizers and drinks 480-948-1028
Marlaina.Traut@EdwardJones.com Location: Tommy Bahama Restaurant 15205 N Kierland Blvd Scottsdale, AZ 85254 Hosted by Cole St. Clair
For further details, please contact: Marlaina Traut Office of Cole St. Clair Edward Jones 480-948-1028 Marlaina.Traut@EdwardJones.com
Not FDIC Insured • Not Bank Guaranteed • May Lose Value
Investing involves risk, including the risk of loss. Impact investing and/or Environmental Social Governance (ESG) investing has certain risks based on the fact that ESG criteria excludes securities of certain issuers for nonfinancial reasons and therefore, investors may forgo some market opportunities and the universe of investments available will be smaller. ©2018 Eaton Vance Distributors, Inc. • Member FINRA/SIPC Two International Place, Boston, MA 02110 • 800.836.2414 • eatonvance.com 28401 2.27.18
NORTH TATUM TIMES • February 2019 • 7 Not FDIC Insured • Not Bank Guaranteed • May Lose Value
Investing involves risk, including the risk of loss. Impact investing and/or Environmental Social Governance (ESG) investing has certain risks based on the fact that ESG criteria excludes securities of certain issuers for nonfinancial reasons and therefore, investors may forgo some market opportunities
