Tim Day DipPFS CeMAP’s Post

Want to lower your carbon footprint and the footprint of others without them knowing? 12.7 tonnes of CO2 is the carbon footprint of the average UK citizen. An estimated £4.2 Trillion is invested in UK pension funds (including assets backing annuities) Sustainable funds & portfolios exist that avoid investing in carbon intensive industries such that, when compared to funds invested in an average spread of UK equities, have reduced emissions per £100,000 invested equivalent to about 5 average UK citizens/year. If just 1/3 of total pension investments were moved to low-carbon sustainable investments it would offset the emissions of the entire UK population. I hope my maths is correct! £4.2T / 100,000 = £42,000,000 Each £100,000 moved to low-carbon investments = 5 UK citizens. 42,000,000 / 3 = 14,000,000 14,000,000 x 5 = 70,000,000 (UK population is approx. 68.5M)

Quoted in City AM today on levels of pension investment into the UK. The simple reality is that if the government wants to attract investment from #pensionfunds they should seek to boost the UK’s #investment appeal. The most important thing the UK government can do is to remove the barriers that currently make investing into London listed companies difficult. UKSIF's Financing the Future series presents a set of solutions to boost #investorconfidence and drive private capital into the UK's #sustainability transition. https://lnkd.in/eEAFYXXG Charlie Conchie

An interesting article in the Economist for #investorrelations officers and #investortargeting strategies in the context of green transport and energy infrastructure. The dangerous rise of pension nationalism https://lnkd.in/dmfC_cBb from The Economist

Slow progress on investment consolidation in the UK's £350bn LGPS sector... probably not a surprise. And as the article observes these probably do not provide a "solution" for the UK's low investment and low growth. But... what the sector as a whole, or some of the pools within it, could achieve is a major change in the UK BTR market. Large quantities of long term, relatively low cost capital which could create its own integrated rental property platforms encompassing both social (Affordable) and mass market (affordable) housing. Full life cycle capabilities, enhanced yield on cost, integrated management and design/development, capturing both inflation/earning related real estate income and the creation of enterprise value... all while investing in a high economic multiple activity (developing houses) and investing in addressing the UK's most pressing economic and social problem. Now these's an idea... #LGPS #housing #buildtorent #commercialproperty #realestate

Did you know that approximately 80% of Australians end up on some form of government assistance in retirement? Did you also know that ONLY 20% of Australians invest in property? Coincidence you think? I'd say not. You could probably afford an investment property for less than the repayments on a small car. So rather than upgrading your car as soon as it is paid off, consider building wealth for your future. Have a look at this short article for more details - Are You Driving Your Investment Property.pdf https://lnkd.in/dgxsXfD

Did you know that approximately 80% of Australians end up on some form of government assistance in retirement? Did you also know that ONLY 20% of Australians invest in property? Coincidence you think? I'd say not. You could probably afford an investment property for less than the repayments on a small car. So rather than upgrading your car as soon as it is paid off, consider building wealth for your future. Have a look at this short article for more details - Are You Driving Your Investment Property.pdf https://lnkd.in/gGv5ZjYH

I came across this article last week about why Australians may need to take on more investment risk to improve their funds, prior to being able to retire. I suspect it's a similar situation in NZ. If you are going to think about these things, get some proper advice first - you'll be glad you did! #foresightfinancial #planwithforesight https://lnkd.in/gZPjr6sa

Did you know that approximately 80% of Australians end up on some form of government assistance in retirement? Did you also know that ONLY 20% of Australians invest in property? Coincidence you think? I'd say not. You could probably afford an investment property for less than the repayments on a small car. So rather than upgrading your car as soon as it is paid off, consider building wealth for your future. Have a look at this short article for more details - Are You Driving Your Investment Property.pdf https://lnkd.in/epiz8Tb

Great report from UK and Global Counsel on #CapitalMarkets in the #UK. Diverting more #pension funds into higher (yet calculated) #risk #innovation seems like a thoughtful strategy for boosting the UK's economic growth and financial #prosperity over the long term. Overall, wonderful insights: "This retreat from UK capital markets has many drivers. One is an ageing UK population which enjoys the benefits of Defined Benefit (DB) pension schemes. Around 30% of UK households are estimated to be participating in such a pension scheme and almost half their members have already retired. The fund managers for these pension schemes are required to focus on generating reliable income, rather than capital growth. In many cases this has pushed them away from investments in equities over recent decades." "When an economy and society suppress prudent risk-taking, they also suppress growth. The implications can range from a society with limited financial resilience to well-intentioned regulation that inadvertently hinders economic growth." "At the heart of capital markets is the simple but powerful idea that an investor is able to take a stake in a company’s future growth and success. Every society needs investors willing to invest capital in exchange for an appropriate reward. These investors need strong companies to invest in. The UK will need both in the years ahead as it transforms its energy system, renews its industrial base and deploys innovative new technologies." 1000%. "...alongside our evolving tolerance for risk there is a perceived vacuum of support and ‘championing’ for #entrepreneurs and those willing to take risk in the pursuit of commercial and personal success." We take notes at Y Entertainment: "The most important contributions technology can make are those that make it simpler to participate in UK capital markets, including measures that increase price transparency and efficiency for market users." "The backbone of UK capital markets must be a steady flow of companies up the growth escalator. Today’s challenges on that growth escalator are a warning of wider weaknesses tomorrow." "The failure rate for UK start-ups at 5 years is 20% higher than for their US counterparts." Thoughtful: "If UK savers opted to move 10% of current cash ISA holdings and 10% of non UK-company stocks and share holdings to UK company shareholdings this would represent a £70bn boost for UK public company markets and potentially higher returns for those cash savers."

Did you know that approximately 80% of Australians end up on some form of government assistance in retirement? Did you also know that ONLY 20% of Australians invest in property? Coincidence you think? I'd say not. You could probably afford an investment property for less than the repayments on a small car. So rather than upgrading your car as soon as it is paid off, consider building wealth for your future. Have a look at this short article for more details - Are You Driving Your Investment Property.pdf https://lnkd.in/gN_mJ3B