DECISION TREE 1 Impact Investing

1 Decide on not doing Harm to People

2 Decide on not doing Harm to Workers

3 Decide on Fair Treatment of Workers: Equality & Diversity

4 Decide on investing in Basic Needs & Impact Tech

5 Decide on investing in Scaling & Efficiency

STEP 1: Decide on not doing harm to People, thus not to invest in products that are dangerous and can harm people.

Because of the horrifying damage to people 11 countries have legislation and another 30 have interpretative statements prohibiting investment in controversial weapons such as anti-personnel mines & cluster ammuniton (submunition).

Easy to exclude also through ready-made investment products are AGTAF: Alcohol, Gambling, Tobacco, Adult Entertainment (Porn) and Firearms.

A soaring divestment movement excludes Fossil Fuel, CO² & Carbon producing & emitting industries.

There are dozens of do not invest issues excluding harmful industries to protect people, communities, 'no go' area's, animals & the planet.

FAGTAF -> Alfabet Soup

A fast way to check if companies are active in harmful issues is the CSRHub.com database

(17.000 companies).

It lists 17 issues, negative such as Child Labor Involved, & positive action: Working Mother or GLBTQ Friendly (Gay, Lesbian, Bisexual, Transgender, Queer).

List, Descriptions & Links to involved companies: https://esg.csrhub.com/csrhub-special-issues

YahooFinance gives online data on 2000 companies on 14 issues from Sustainalytics. Note that it might state 'no controversies' wit the check 'animal testing'. e.g. for Danone. Yahoo Finance & Sustainalytics aim to include funds, investment products controversies as well.

Robo investment Advisors offer exclusion choices such as Open Invest.ca excluding companies (>5% revenue) to: Fight Gun Violence & Take Down Big Tobacco.

Odd that 'junk'' & high sugar content food & drinks are never mentioned....

shop staff....

HOW TO GUIDE

CONTROVERSIAL WEAPONS (countries)

Note that some fund managers & distributors claim 'exclusion' strategies when compliant with national legislation prohibiting investments in controversial weapons.

http://www.stopexplosiveinvestments.org/

HARMFUL PRODUCTS & SECTORS

Free online database CSRHub (17.000 corps max 3 profiles per day): Animal Test User (companies might outsource, but still use aminal testing), Burma, Iran, Sudan involved, Child Labor, Coal, Fracking, GMO, Military Contractor, Nuclear Power (=CO² free), Oceana Red List, Pesticides & Pollutants, Trump Involved...

Positive themes: Diverse Board, Gay Lesbian Sensitive, Labor Union Supporter, Sustainable Forrestry & Working Mother Friendly.

CSRHub https://esg.csrhub.com/csrhub-special-issues

& links to companies connected with these issues.

Sustainalytics data for Yahoo Finance

Alcoholic Beverages, Adult Entertainment (Porn), Gambling, Tobacco,

Animal Testing, Fur & Specialty Leather, Controversial Weapons, Small Arms, Catholic Values, GMO, Military Contracting, Pesticides, Thermal Coal & Palm Oil. https://www.sustainalytics.com/press- release/yahoo-finance-adds-sustainability-scores/

Controversy data is found under the heading Sustainability. An Example: Nestlé, targeted by a breast over baby milk boycott campaign gets ''no controversies'' & high ESG-rating even though it is checked for 'Animal Testing' (as are it's competitiors Unilver & Danone). Link https://finance.yahoo.com/quote/NESN.VX/sustainability?p=NESN.VX

SRI, Socially Responsible Investing, Robo Advisors offer a wide range of exclusion themes constructing your portfolio (and positive inclusion portfolio's.)

I mentioned OpenInvest's Fight Gun Violence & Take Down Big Tobacco.

Many SRI robo advisors also offer positive thematic portfolios such as Swell's Clean Water & Zero Waste.

Best of all, most have 100% transparant portfolio's = leads!

Swell Investing even offers MCSI ESG rating data on companies.

Most mentioned are:

Aspiration https://www.aspiration.com/

Betterment https://www.betterment.com/

CNote www.cnotegroup.com & www.mycnote.com

cNote also offers high yield saviong accounts for CommunityDevelopmentFiunancialInstitutions CDFIs

EarthFolio earthfolio.net

Grow Invest ? (Linkedin profile only)

Hedgeable www.hedgeable.com

Impact Labs www.impactlabs.com

Motif www.motifinvesting.com

Note that Motiv has many non impact portfolios

OpenInvest www.openinvest.ca

Prophecy www.prophecyimpact.com

Stash www.stashinvest.com

Swell www.swellinvesting.com

TIAA https://www.tiaa.org/public/land/personal-portfolio

WiseBanyan www.wisebanyan.com

WorthFM www.worthfm.com

Brian Walsh, Liquidnet monitors the market and wrote in Feb 2017: http://allthingsimpact.com/home/2017/2/17/all-things-impact-for-feb-17-robo-advisors-for-good-fossil-fuels-are-legacy-funders-are-like-teenagers-when-facts-fail

In Nov 2017 Lena Backe wrote: https://news.impactalpha.com/eleven-online-platforms-that-let-you-yes-you-make-socially-responsible-investments-right-now-d150e781fe46

Invest with Values looked 11 SRI robo advisors available in the USA their minimum investment, costs & fees and (de)selection options: https://investwithvalues.com/news/socially-responsible-online-investment-platforms-current-landscape/

Risk Rater Morningstar has a Product Involvement Tool for professionals with 15 exclusion options. https://corporate1.morningstar.com/ResearchLibrary/article/812380/morningstar-portfolio-product-involvement-methodology/

Morningstar also has a free online available sustainability globes system (1-5) for over 20000 investment products: http://news.morningstar.com/articlenet/article.aspx?id=745467