Thinking of an Ethical Pension by Trustee Investment Planning ...

In today?s evermore conscious financial climate of what the ethics of the companies and trust funds your pension and investments actual funds, more and more of the general public are looking to set up their own private pensions with financial services that offer a range of Ethnical Investments and Pensions. Trustee investment planning offers a whole new way of doing things, for your retirement plans being secured whilst your money is invested in Ethnical companies that have beneficial social or ecological working commitments at their financial core.

Ethnical Investment funds look at the social and environmental behaviours of their companies that they fund with a positive record of ongoing benefits, that don?t damage the environment, make harmful or dangerous products or exploit their workforce with low pay or bad working conditions.

Ethnical Banking and Investments is worth about ?9 Billion in the UK investment markets according to The Co-op Bank. Ethnical finances have a growing range of financial investment products now encompassing banking, savings, mortgages, insurances and investments.

Switching to ethnical credentials is one thing with large financial companies and institutions? jumping onboard the ?Ethnical? bandwagon and offering ethnical financial products. Making sure your investments are ethnical can take a bit more effort. If you are truly interested in where and what you money is being used to fund, you can do background checks of the ethnical investment fund companies and their information on what they invest in though the Ethnical Investment Research Services ? http://www.eiris.org/ At the end of the day all Investment Funds whether ethnical or not are aimed to make money by being sold on the stock markets, by traders placing their value on the companies and trust funds financial performances, sometimes only for hours and minutes depending on the fluctuating economic times. By positive screening of companies beneficial ethnical characteristics you can be socially responsible in your choice of retirement financial planning.

If you invest in shares or have a pension endowment or life insurance through ethnical investments then you are a shareholder in those companies invested in. When you invest in shares you are giving your money to a company for them to use in their business ? hopefully generating a return in the process, which you see in the form of dividends and capital growth. ?Responsible Shareholding? involves buying shares in a company and then steering using your shareholder?s vote the company towards better social and environmental conduct. Or by investing in genuine ethnical investment funds that take into account a company?s social and environmental impact. It might sound like a particularly strict form of ethical investing, but from this point of view the principle is that there should always be a direct link between your money and the work of the company: your return should actually be earned in some useful way. That?s where trustee investment planning can come in for pension provision, because it enables many more ethnical options than regular pension providers do.

Trustee investment planning works in conjunction with SSASs or SIPPs, these will give extremely flexible and diverse investment opportunities for your retirement. Whereas regular pensions will rely on a limited number of big funds, with TIP you can invest in a far broader range of assets that you can precisely tailor to your ethical requirements. You can have shares in small companies ? even unlisted ones ? in which you have personal involvement, or in commercial property used by a specific business which has aims you respect and wish to support. On that scale, the direct, personal link between your money and the aims of the company is preserved: you know you really are doing well with it. (Unlike a normal private pension plan, you can also opt for ETFs ? perhaps clean energy or a social index.)

Trustee investment planning is therefore a way to broaden your pension provision to include a vast range of assets that reflect your ethics in a very personal way. Your IFA should be able to give you more details about how to go about arranging this with a SSAS or SIPP.

This article was supplied by FSA regulated financial advice Norwich specialists SG Wealth Management who serve individuals and organisations throughout Norfolk, East Anglia and the south-east.

Source: http://www.personalfinance4all.com/thinking-of-an-ethical-pension-by-trustee-investment-planning/

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