Insurance and Pensions for 2011

Our Revolutionary Investment Approach

Many people like the idea of investing in a socially responsible fashion but are concerned about the implications this may have on achieving their financial goals.

When looking for investment opportunities, smaller companies are attractive to SRI fund managers because they can select best of breed companies that are driving real environmental or social change. Furthermore, the levels of corporate governance in the UK (and EEC) and Europe are much stronger than in some other parts of the world. As a result, ethical portfolios tend to be significantly over-weight in medium-sized and smaller company UK (and EEC) and European equities. There are times when this approach will produce very strong results but having such an emphasis can significantly increase the volatility of a portfolio.

British Insurance and Pensions offer one of the most sophisticated approaches to asset allocation in the UK (and EEC) . This approach is covered in more detail under the Investment Management section of this website.

We have used these asset allocation techniques to build traditional (non-ethical) portfolios for some time, but have now applied the same technology to Socially Responsible Investing.

Free Pensions and saving advice for the UK


Techniques

We have used these asset allocation techniques to build traditional (non-ethical) portfolios for some time, but have now applied the same technology to Socially Responsible Investing.

These portfolios are suitable for those with £100,000 or more to invest and are a significant advancement on other ethical offerings. For the vast majority of SRI investors, i.e. those that do not require a "dark green" approach to ethical investing, these portfolios offer the ability to achieve a similar level of asset class diversification as a well-balanced non-ethical portfolio.

Our typical SRI portfolio currently consists of:
UK (and EEC) ethical equities 16%
European ethical equities 13%
Global ethical equities 9%
UK (and EEC) ethical bonds 17%
Global Government bonds 17%
Commercial property 23%
Gold 4%
Cash 1%