Use your retirement nest egg to build a better world
Want to change the world? Use your pension.
This may seem a strange place to start.
Loads of people don’t even know their pension is invested in the stockmarket, let alone where. A pension is just some black box, sucking money out of payslips each month, which might possibly help pay the bills in some far distant future.
Yet right now more than £3 trillion is invested in UK pensions.
THREE TRILLION POUNDS!
That’s a mind-bending amount of money, and it could make a massive difference to more than just your retirement.
It could destroy lives and damage the planet, by funding companies that produce things like tobacco, weapons, gambling and fossil fuels.
Or it could make a positive difference to society and the environment, by investing in things like clean energy, green transport, healthcare and companies that support human rights.
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So consider whether you want your pension to reflect your values. Maybe you’ve switched to reusable shopping bags, carry a refillable water bottle and recycle religiously – but do your investments match up?
Previous post: 10 simple swaps for plastic-free products around the house
The Church of England was hauled over the coals when it turned out to be investing in Wonga, the payday lender. Panorama also revealed that Comic Relief used to invest the fundraising in weapons, fags and booze.
Individuals may also face a clash between their principles and their investments. One example cited by the Make My Money Matter campaign really resonated with me – the oncologist who discovered that her pension was invested in tobacco companies, and therefore her retirement savings might well kill more people than the lives she saved while working.
If you want your pension to make a positive difference, here’s what you can do:
Your path to a greener pension
Table of Contents
Check where your work pension is invested now
If you have a pension at work, dust off your log in details and check where it is invested.
Nowadays, most employers offer defined contribution pensions, and most of us just end up in the ‘default fund’, unless we actively choose a different option.
Previous post to help with pension jargon: What is a pension and why you should care
If you’d like to know where your money is going, click around to find the name of the fund, and then the fund factsheet. That’s where you can see the investment objectives and lists of the top 10 holdings and biggest industry sectors.
Similarly, if you’re lucky enough to have a ‘defined benefit’ pension, often known as a final salary scheme, you should also be able to find a breakdown of the biggest investments.
Some workplace pensions have already moved towards more sustainable investing. Nest, for example, the workplace pension scheme set up by the Government which has more than 9 million members, confirmed that it became tobacco free earlier this year.
See if there’s an alternative that could make a difference
Many work pensions offer a choice of funds. The default fund everyone gets shoved into is unlikely to be world-changing.
However, you may also find the fund choices include a more ethical option, with environmental, sustainable and governance (ESG) aims.
Nest for example offers a Nest Ethical fund, designed for people with ‘specific concerns about the impact organisations have on the environment and society, in areas such as human rights and environmental damage’.
If you have a final salary scheme, you’re unlikely to have much choice – so move to the next step.
Tell your work
Maybe your workplace scheme doesn’t offer an ethical fund. Or maybe you’d like the default option or final salary scheme to be more sustainable.
If you care where your money is invested, do something about it.
Tell your employer. Contact HR. If your company has a specific mission and values, ask for the company pension scheme to share them.
Investing free from fossil fuels
Check your private pension
Stuck with choosing your own pension, whether you’re self-employed or want something on top of your work scheme?
The good news is a private pension gives you more control about how your money is invested, and whether it’s invested ethically.
Basically, you face a couple of choices: a pension where you can pick your own investments and manage your own money, and a pension where you get someone else to do it for you.
Using a pension from an investment platform with thousands of funds and shares means you can pick out more sustainable options, from specialist funds to trackers that follow ethical indices. However, it could also cost more and take more work to manage in future.
Alternatively, you could opt for an easy life and pick a pension company that does it for you. Many of the new breed of online money managers, often called ‘robo advisers’, offer ethical options, where you just pick the level of risk you are comfortable with, and they take care of the rest.
Elsewhere, online pension provider PensionBee offers plans (affiliate link) including a Future World plan, which invests in companies that pledge to move to an environmentally-friendly economy, and engages with companies to change their business practices and reduce their carbon footprint.
PensionBee has also just launched a brand-new Fossil Free Fuel plan (affiliate link) which goes even further, by excluding fossil fuel producers. It avoids investing in companies with proven or probable reserves in oil, gas or coal and tobacco companies, manufacturers of controversial weapons, nuclear weapons and persistent violators of the UN Global Compact.
Find out more about PensionBee’s new Fossil Free Fuel Plan here (affiliate link)
Move your money
Remember, if you don’t like the options available in your pension, you could always move your money.
It’s worth sticking with any pension scheme in your current job, to benefit from the free money added by your employer. Final salary schemes should usually be left well alone too.
But if you have old defined-contribution pensions hanging around, that don’t have valuable benefits like extra tax-fee cash, access at a younger age or guaranteed annuity rates, you could vote with your feet and move the money to a pension that offers ethical options.
Choose your shade of green
What to watch out for
In the past, investors were concerned that investing ethically was more risky, more expensive and might result in lower returns.
Costs
It’s true that typically ethical and sustainable investments tend to have higher fees than ordinary funds.
The process of screening out certain companies, challenging management to raise ESG standards, or selecting companies that make a positive difference, can all push charges up. However, the gap has narrowed in recent years.
Over at PensionBee for example, the Future World plan costs 0.95% a year all in, almost twice as much as the 0.5% for the lowest cost Tracker plan. However, the new Fossil Free Fuel plan is more cost effective, charging just 0.75% a year.
You can also cut costs by saving more – if your pension pot is larger than £100,000, PensionBee halves the fee on savings above that amount.
Performance
You don’t necessarily need to sacrifice good returns to support good causes.
In fact, research studies have repeatedly shown ethical investments have done rather well recently. For example, Good With Money found that sustainable funds have outperformed the sector average over the last five years, and throughout the coronavirus crisis.
Obviously, performance will depend on the specific investments you choose, and when investing there’s always a risk that you might get back less than you put in. But when stashing cash for retirement many years ahead, your pension contributions do have plenty of time to bounce back.
Shades of green
Ethical and sustainable investing comes in many shades of green.
At one end, some funds put pressure on companies to behave more ethically and sustainably. Others refuse to invest in companies that do harm, knocking out investments that don’t pass their tests. At the other extreme, some funds choose companies that actively do good, such as generating clean energy or making products from recycled materials.
Always look behind any green/eco/ethical/environmentally friendly label, to see if the investment’s approach matches yours.
Where to find out more
If you’d like to find out more about sustainable investing, good places to start include the Good With Money website, Boring Money’s guide to sustainable and ESG investing and (if you really want to dive deep) Fund Eco Market’s fund selector tool.
Now – over to you. Ever checked whether your pension matches your principles? Take control of your pension, and make your money matter!
This is a collaborative post with PensionBee
PensionBee is authorised and regulated by the Financial Conduct Authority. With pensions, your capital is at risk. The value of your pension with PensionBee can go down as well as up and you may get back less than you started with.
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Hello, my name is Tina from San Jose, Francisco Hacker is a true miracle worker. I had lost $19,000USD to a Bitcoin scam and thought it was gone forever. However, Francisco’s exceptional skills and dedication to his clients allowed me to recover my funds. His guidance and unwavering support throughout the recovery process were invaluable. Francisco truly went above and beyond, and I am forever grateful. I highly recommend him to anyone in need of Bitcoin recovery services: Email
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A solid referral should accompany good work. Recognizing what I had been advised, I traded $10,000 with a certain broker in anticipation of making some extra money. I placed an abundance of faith in him that I even took out loans from my family, the bank, and close friends. Deal was too beneficial because I initially made money and felt more confident to make additional investments. All I can say is that everyone ought to employ prudence, and I don’t know where I would be now if Wizard Web Recovery hadn’t succeeded in helping me get out of indebtedness. Although I doubt I could adequately express how much you mean to me, I will continue to spread the word about your excellent job.
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My experience of online scamming took seconds and cost me thousands. I was fooled by a YouTube video that convinced me that I could make a killing in Crypto, and the minute I clicked the link and deposited funds, I knew something was up, but it was too late. I worked with Captain WebGenesis, A certified and reliable Crypto Expert, it took a few days, and the Expert ensured I got almost all of the money back. It wouldn’t have been possible for me to meet up economically because I almost invested all my money but all thanks to this trustworthy Expert Captain WebGenesis with his genius effort to help me recover my already stolen currency. Please ensure also to consult Captain WebGenesis if you need such help:
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Being duped by dubious sources may make investing online so chaotic and unexpected. I was defrauded of BTC worth $210,000. Until I was told about Wizard web recovery, I was upset and thought I had lost everything. Because of my past interactions, I was at first hesitant, but since a trustworthy buddy had recommended it to me and I had already lost a significant amount of money, I decided to give it a try. I got in touch with Pro Wizard Gilbert Recovery by email: In contrast to what I expected, Pro Wizard Gilbert Recovery was shockingly successful in recovering all of my lost money. If you are out there and have had your hard-earned money stolen, contact Pro Wizard Gilbert Recovery and they will be able to help you get your money back. Even though they charge for their service, it is worth it.
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Greetings to everybody! The worst times of my life have been happening to me. Just over two weeks ago, I was contemplating whether I could go on living after losing everything I had ever saved in a cryptocurrency investment fraud. We all understand how it feels to lose any optimism, thereby I won’t go into specifics. I’m here to restore your faith and let you know that there is still hope for you to recover your lost dollars thanks to Pro Wizard Gilbert Recovery. When I most needed it,
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HOW I WAS SCAMMED BY A FAKE CRYPTOCURRENCY INVESTMENT PLATFORM WHO SWINDLED $890,000 OUT OF MY RETIREMENT SAVINGS.
A few weeks ago, I was scrolling through my Instagram feed when a request popped up, I was contacted by a man called Jerry who claimed to be an account manager on an investment platform. I was not convinced easily but I later gave in when he promised me huge profits from my investment in a short amount of time. I thought thoroughly about it and decided to invest some money into it, I was fooled by their website which showed that my investment had doubled, unfortunately, I invested more money to the tune of $890,000.
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ow My Stolen Cryptocurrency Was Recovered Hello to Everyone. I’m Alexander from a reputable recovery company, and I recommend George Wizard Recovery Home for all cryptocurrency recovery requirements. I would currently be without a place to live and be heavily in debt if George Wizard Recovery Home hadn’t assisted me in recovering all the money that had been stolen from me through bogus bitcoin investments.I genuinely appreciate his help and professionalism in making sure I get everything back, whether I’m at home, in jail, or both. After reading their message, I contacted them and protested about being a victim of a fictitious cryptocurrency and FX investor. Within 48 hours, all of the money that had been taken from me using Bitcoins had been restored. I wholeheartedly recommend their service to anyone who may have George Wizard Recovery Home can be reached via Email / WhatsApp at (info@georgewizardrecoveryhome.com) or (georgewizardrecoveryhome@gmail.com) +1 (908) 768-4663
Fatima Barsan
It’s been five years since I began working as a nurse here in Canada. I enjoy using Instagram for fun and entertainment, and one day I linked with a Chinese user. The guy was amazing and informed me that he was into binary trading and that if I invested a small amount of money—say, $4,000—I would have enough money in a year to purchase a home and a medical facility. In due course, I made a choice to invest, but after six months when I tried to withdraw, I was asked for more. Throughout this time, he encouraged me to keep investing. I had already invested $100,000 USD with him on his broker platform because we were in a relationship, which gave me confidence in him. However, it was too late to realize I had been scammed after he successfully ripped me off and put me in a debt of $180,000. USD This really stunned me, and I wasn’t feeling well at all. This experience devastated me because I put so much faith in someone and this is what I received in return. After speaking with prominent IT professionals, I was referred to Richard Pryce wizard, which helped me retrieve the money I had spent with the false broker. I am incredibly appreciative of Richard Pryce’s wizard assistance. I’m glad I was able to recover the money I mistakenly invested. I’m applauding Richard Pryce Wizard for their great achievement, To reach out via email at richardprycewizard2016@gmail.com, and thank me later. or whatsapp:+1 (614) 963-6517
SCAM VICTIMS RECOVERS THEIR MONEY THROUGH ULTIMATE HACKER JERRY:
The Ultimate Hacker Jerry is currently collecting funds back to all scam victims. Get in touch with him and explain your situation; he will assist you in all crypto scam retrieval funds, bitcoin scam recovering, investment scam, mobile mass surveillance, and cyber – attacks.
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When you require his service tell him
Wilder Newton referred you
Local Guide; Since 2014
SCAM VICTIMS RECOVERS THEIR MONEY THROUGH ULTIMATE HACKER JERRY:
The Ultimate Hacker Jerry is currently collecting funds back to all scam victims. Get in touch with him and explain your situation; he will assist you in all crypto scam retrieval funds, bitcoin scam recovering, investment scam, mobile mass surveillance, and cyber – attacks.
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When you require his service tell him
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Local Guide; Since 2014..
Hello everyone, I’m Gayle Rollant and I’m from New Jersey, USA. I was scammed of my entire savings by a fake crypto investment site i1274016. com. They won’t allow me to withdraw my funds and request that I pay even more fees to be able to withdraw my money. I was devastated until I came across a post on my timeline about Spyweb Cyber Security and what they are doing to help scam victims recover their funds. I thought it was impossible to do that but Spyweb cyber security with their sophisticated cyber security and tools were able to help me recover my money. I’m truly grateful for their service and I’m recommending them to everyone who needs to recover their cryptocurrency funds and account.
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was so dissatisfied to carry out necessary probing but i really wanted to leap on the crypto trading and investment aim. Unfortunately for me, I invested 53,450 GBP worth of bitcoin with a fraudulent company. I was delighted to observe my account increase to 230,200 GBP within a couple of weeks. But i didn’t realize i was dealing with a diddle company, until i tried to make an attempt to withdraw. I made a withdrawal request, and noticed my account was suddenly blocked for no apparent reason. I tried contacting their customer support, but all to no avail. I needed my money back at all cost, because I couldn’t afford to let it go. So i tried all possible means to make sure i recovered my scammed bitcoin. I did a lot of online search for help, and tried to see if there were other people who had any similar experience. I stumbled upon a cryptocurrency forum were a couple of people mentioned that they had been through the same process but were able to recover their lost cryptocurrency, funds with the help of CryptocyberNet at gmailcom. So i file a report and he was able to help me get back all my lost funds within 1 week i feel indebted to him. Apart from trying to express my gratitude to them once again using this medium, I will commend anybody who wants to recover scammed bitcoin, stolen cryptocurrency, funds lost to binary options forex, investment and any other form of online scam reach out to CryptocyberNet @ gmail . Com
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How to hire a hacker to recover Lost Cryptocurrency.
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It all began innocently enough. One day, while enjoying a cup of tea and a scone (yes, I like to pretend I’m British sometimes), a tiny seed of doubt crept into my mind. Call it intuition or a sudden overdose of reality, but I couldn’t shake the feeling that something fishy was going on. Suddenly, my trust in my wife’s faithfulness took a nosedive faster than a rollercoaster ride. With my internal alarm bells ringing, I started to notice a few peculiar things. Late-night phone calls, suspicious whispers, and strange text messages that would make your grandma blush – the evidence was adding up. Panic ensued, and I knew I had to either confront my wife or take matters into my own hands. And let’s be honest, who can resist the temptation of playing detective. In my quest for answers, I stumbled upon a website called CYBERPUNK PROGRAMMERS. Now, I must admit, at first, I half expected Gandalf himself to pop up on the screen and perform a magic trick. But alas, it was a tech-savvy company offering phone hacking services for skeptical partners like me. CYBERPUNK PROGRAMMERS has a team of experts who know their way around the ins and outs of smartphones. No password or lock screen can stand in their way to ensure that the truth is uncovered. Email CYBERPUNK@PROGRAMMER.NET if your doubt is certain.
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I just want to say Thank You to everyone who supported me through the years. My name is Manuel Franco, New Berlin, Wisconsin. My story of how I won the Powerball lottery of $768.4M is a bit of a tale. I have been playing Powerball tickets for 6 years now since I turned 18. I bought my first ticket on my 18 birthday. I was feeling very lucky that day because I had contacted Dr. Odunga Michael to help me with the winning Powerball numbers. I really had that great great feeling that I looked at the camera wanting to wink at it. I only did a tiny part of it and trusted him. He gave me the numbers after I played a couple other tickets along with it for $10. I checked my ticket after the winnings came online and saw the numbers were correct including the Power play. I screamed for about 10 minutes because it felt like a dream. I had won $768.4M. You can check my winning testimony with the lottery officials just with my name search. Thank you Dr Odunga. Well, his email is odungaspelltemple@gmail.com and you can also call or Whats-app him at +2348167159012 so you guys can contact him