Investing in an ethical and socially responsible way is now acknowledged as a sound medium to long term strategy. Whilst there will be those who are happy to make easy money at the expense of others, the rapidly increasing trend for companies is to seek profit responsibly via ethical investment.
Along with Investment and Savings, Pensions and Life Assurance and Protection Plans, Ethical Investors can advise companies upon:
Please contact us for further information.
Most people would agree that saving and investing is one of the best ways to build capital for the future. If you want to save a regular amount each month or have an existing lump sum to invest to achieve capital growth or income, there are many options open to your organisation.
Like most things in life, saving and investment is a question of drawing a balance. On the one hand there are safe, secure and relatively low yielding investments such as Building Society accounts, and on the other are schemes such as Unit Trusts, which offer the potential for far greater returns, but which also incorporate a greater degree of risk.
Helping you to strike a balance between the two is the job of your Independent Financial Advisor. Each company will have its own needs and these must be taken into account when building a savings or investment scheme for the short, medium and long term.
For those groups with substantial sums to invest (usually in excess of £250,000), Ethical Investors offers a unique Discretionary Fund Management service.
This section is intended to be a general guide to savings and lump sum investments which can be specifically linked to an ethical / green fund. Please contact us for further information.
If you are an employer, and wish to offer the valuable benefits of pension provision to your employees, there are many options open to you. Arrangements can be designed to suit your company's circumstances, whether you employ two people or two hundred.
All contributions you make to a pension scheme on behalf of your employees are tax deductible, and can be seen as a valuable recruitment incentive. Whichever option suits your company, it is possible to ensure that all contributions made by yourself and your employees can go directly into an ethical/green fund.
Managing a business, large or small, requires levels of expertise and hard work which are becoming progressively complex in our modern society. All businesses are familiar with insuring offices, vehicles, and other equipment, but what about protecting the business against the loss of its most important asset - key personnel?
Providing financial protection for the security of your business's future is vital. However, the immediate consequences following the death of a key employee can be extremely damaging to your business and its profits.
It is an unfortunate fact that many businesses have failed to arrange adequate levels of protection for their most valuable assets. Life assurance can provide the protection required in the event of the sudden death of a key employee, and finding a replacement, or even to pay for subcontracting work. This type of cover is inexpensive, and in many cases the premiums may be allowable as a business expense.
If a partner or share holding director in a business were to die, the business may be faced with some very difficult decisions. Will the deceased's estate want to continue with a stake in the business, or will they require immediate settlement, in cash, for their recently inherited share in the business?
Partnership/Director protection can provide a business with a lump sum which can be used to "Buy Back" the deceased person's interest in the business. As the amounts in a successful business can be very large, not having a lump sum available could place an enormous strain on a business.
In any business, the sudden illness of a key person could have disastrous effects on cash flow and profits. Would income be affected? What would the costs of employing a professional locum temporarily, whilst perhaps still paying an income to the ill employee?
Both Critical Illness and Permanent Health Insurance policies can be used by businesses to protect themselves against the sudden loss, through serious illness or injury, of a key person.
Critical illness policies have been developed to provide your company with a lump sum, if any of your staff are diagnosed as suffering from a critical illness, or need to have a major surgical operation. Statistically, there is a far greater chance of suffering a critical illness before retirement than there is of dying. Look at these government statistics from recent years:
The lump sum payment from a critical illness policy can give your company the freedom and ability to cope with the changes in work loads which would follow a critical illness to a key member of staff. With contributions starting from as little as £10 per month, this is a form of protection every company should be considering, whether large or small.