Premium Domain Names for Sale at CrocoDom.com
Save up to 74%
Subscribe to Kiplinger
When you purchase through links on our site, we may earn an affiliate commission. Here’s how it works.
Don’t be shy about asking your adviser tough questions. You don’t want to find out after the fact that your portfolio isn’t as responsible as you thought it was.
As sustainable, responsible and impact investing (SRI) continues to gain popularity, more investors have questions and are curious to see if it’s right for them.
According to US SIF, the Sustainable Investment Forum, about $8.4 trillion is invested using sustainable investing strategies in the U.S. — that’s equivalent to one out of every eight professionally managed dollars.
In ESG Investing, Money Changes Everything
Despite some of the negative politics leveled at responsible investing, using ESG (environmental, social and governance) metrics to construct a portfolio is simply a good practice. As a fiduciary, it’s important for me to know as much about a potential investment as possible, and ESG metrics are just as important as traditional, fundamental measurements.
Be a smarter, better informed investor.
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more – straight to your e-mail.
Profit and prosper with the best of expert advice – straight to your e-mail.
It’s critical to keep in mind there is a difference between ESG and sustainable investing. ESG is simply the metrics — it’s the data that helps your adviser make a decision about your investments. Sustainable investing is the final portfolio. Some investment managers will try to create a portfolio by layering ESG risk metrics over a traditional index such as the S&P 500. While this may have a better outcome than the original portfolio, it still usually includes fossil fuel companies and other non-sustainable companies.
A truly sustainable investment portfolio is built with intention, asking the question, “What kinds of companies are going to make the world a more sustainable and resilient place?” It’s a new way of thinking for a new economy.
I like to describe the difference like this: An ESG index that reduces its exposure to ExxonMobil is “less bad.” A portfolio that eliminates the company is better. But a portfolio that replaces it with First Solar is sustainable.
With all of that in mind, here are three key questions that you should ask your financial adviser about responsible investing:
The practice has been around for decades, but only a select few advisers have specialized in it. Brokerage houses of all sizes have added ESG portfolios to their investment options, but not all of their advisers have taken the opportunity to educate themselves on the ins and outs of SRI. Look for advisers with the CSRIC designation, which means they are a Chartered SRI counselor and completed a course on the topic.
Four Sustainable Investments That Could Have a Positive Impact
All too often, the ESG portfolios that brokerages put together include greenwashed ESG index funds, or ESG funds that are not sustainable. As described above, these portfolios are simply less bad versions of traditional stock indexes. I’ve found that most individual investors are interested in a solutions-based portfolio — one that truly reflects their personal values. An impersonal ESG index fund likely won’t meet your priorities. It’s just as important to understand what companies the adviser is removing from and adding to your portfolio.
A great way to eliminate the oftentimes proprietary investment recommendations proposed is for an adviser to use an outside expert SRI portfolio manager. These are often termed SMAs, or separately managed accounts. Your adviser basically contracts with the outside expert portfolio manager to oversee the investments for you while the adviser continues to manage the relationship. It’s the best of both worlds!
When you choose to invest with your values, it may make for an uncomfortable conversation with your current or prospective adviser. But it’s important that you not be shy about asking the tough questions — you don’t want to get a year or two into the relationship only to find out that your investments include ExxonMobil and DuPont (which is entirely possible with some “less bad” ESG index portfolios).
Five Ways to Invest in Water
These three questions are just a guide to get you started becoming a more responsible investor. There are many more questions to ask depending on your personal situation, values and goals. Make a list before your meeting, and don’t be afraid to say “next” and move on to another expert if your adviser doesn’t understand how to craft a sustainable portfolio that aligns with your values.
This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.
Peter Krull is the Partner and Director of Sustainable Investments at Earth Equity Advisors, a Prime Capital Investment Advisors company, and has been specializing in sustainable, responsible and impact (SRI) investing for nearly 20 years. He earned the Chartered SRI Counselor® from the College for Financial Planning and has been a member of the Investopedia 100 list of the most influential financial advisers in America. Peter is a longtime advocate for sustainable, fossil-fuel-free investing and works hard to educate his clients and the public on greenwashing in the SRI/ESG industry. He believes strongly in the power of positive, solutions-based sustainable investing focused on the economy of tomorrow.
Economic Forecasts Consumer credit growth is slowing due to high interest rates and banks implementing tighter lending terms on credit cards.
By Rodrigo Sermeño • Published
Economic Forecasts As AI continues to grow, artists want Congress to reconsider the Music Modernization Act and royalties for AI-created music.
By Sean Lengell • Published
Open and honest communication with heirs is key to avoiding drama like in the Roy family and ensuring your estate is handled the way you want after you’re gone.
By Rose Palazzo • Published
Streamlining your accounts and investments, which helps you to know where all your money is and gives you more control over it, is key to a sustainable retirement.
By Gracie Gann, IAR • Published
Many of today’s university students don’t seem to realize that they should thank the donor when they receive a scholarship or grant. Here are some ways to fix that.
By H. Dennis Beaver, Esq. • Published
If you’re on a fixed income, pricier travel means compromises, but you can still do fun stuff while saving. Think National Parks passes and senior discounts.
By Erin Wood, CFP®, CRPC®, FBSⓇ • Published
What seems like free money might not be in the long run, but sometimes bonus annuities can be worth it. Here’s how to figure out if one would work for you.
By Ken Nuss • Published
Many of the most valuable vintage photos are sports-related, and limited supply and high demand, as well as careful and trusted authentication, are key.
By Thomas Ruggie, ChFC®, CFP® • Published
As the Baby Boomer generation ages, it’s more important than ever that Gen Xers talk to their family and understand how their wealth situation could change.
By Mark Kenney, CFP®, CTS™ • Published
This Social Security Administration program is underused and underpromoted, yet hundreds of thousands of American workers could access its benefits.
By Jim Allsup • Published
Kiplinger is part of Future plc, an international media group and leading digital publisher. Visit our corporate site.
© Future US, Inc. Full 7th Floor, 130 West 42nd Street, New York, NY 10036.
Premium Domain Names:
A premium domain name is a highly sought-after domain that is typically short, memorable, and contains popular keywords or phrases. These domain names are considered valuable due to their potential to attract more organic traffic and enhance branding efforts. Premium domain names are concise and usually consist of one to two words or two to four individual characters.
Top-Level Domain Names for Sale on Crocodom.com:
If you are looking for top-level domain names for sale, you can visit Crocodom.com. Crocodom.com is a platform that offers a selection of domain names at various price ranges. It is important to note that the availability of specific domain names may vary, and it’s recommended to check the website for the most up-to-date information.
Contact at email@example.com:
If you have any inquiries or need assistance regarding the domain names available on Crocodom.com, you can reach out to them via email at firstname.lastname@example.org. Feel free to contact them for any questions related to the domain names or the purchasing process.
Availability on Sedo.com, Dan.com, and Afternic.com:
Apart from Crocodom.com, you can also explore other platforms like Sedo.com, Dan.com, and Afternic.com for available domain names. These platforms are popular marketplaces for buying and selling domain names. Each platform may have its own inventory of domain names, so it’s worth checking multiple sources to find the perfect domain name for your needs.
#PremiumDomains #DomainInvesting #DigitalAssets #DomainMarketplace #DomainFlipping #BrandableDomains #DomainBrokers #DomainAcquisition #DomainPortfolio #DomainIndustry #DomainAuctions #DomainInvestors #DomainSales #DomainExperts #DomainValue #DomainBuyers #DomainNamesForSale #DomainBrand #DomainInvestment #DomainTrading