The Role of Heart and Soul in Making Money

When funding long range goals, many people feel they must choose between their money and their values. That’s because in choosing funds and stocks, investors often assume that putting moral values first will put a drag on portfolio returns.

Ironically, with the dramatic decline of the energy sector in preceding quarters, this assumption has proven false. Returns for some of the leading ETFs and funds aimed at socially conscious investors actually exceeded common stock indexes like the S&P 500 for 2017, as an example.

Whether this outperformance may continue in the future is anyone’s guess. But, the anomaly does open the door to questions about whether investment choices made with a social conscience may indeed still make money for the investors concerned.

I will be taking on the topic of social investing at an upcoming seminar Saturday, March 24, from 10-11 a.m., at Venture Pad, 1020 B Street, San Rafael. See registration link below.

There are many criteria that can be classified as socially conscious. A short list might include environmental or green concerns, for instance, faith-based values, or beliefs about war and peace and their relation to armaments.   Some mutual funds which are not formally classified as socially conscious may indeed exclude makers of alcoholic beverages, cigarettes and tobacco products.

Funds and ETFs that are branded as socially conscious may g o further, to embrace only holdings that fit defined criteria for environmental, social justice, and employment standards.

While a company may be classified as highly rated for environmental, social and governance, many more companies are actively implementing internal strategies to align stated company principles and the company practices and ethics. Good ESG (environmental, social and governance) ratings have been linked to good performance, for these companies.

Mutual fund companies active in this space vary in their level of engagement with the companies they invest in. Some work with the companies they have chosen to help them do better.

A recent article in Forbes Link compares various fund companies (prospectuses upon request) and their offerings according to style and performance. While the article does not assess exchange traded funds, that is, index versions of ESG compliant companies, investors can and should compare these often lower cost alternatives.

To read more, click here.

The Talks, on Upcoming Saturdays

Learn more about socially conscious investing, and balancing gains, yields and values. Register for these seminars.


–Aligning Conscience with Investments
Saturday,  Mar. 24
a discussion of socially conscious investing and the choices you may make to enhance or avoid certain investments;


–All About Bonds
Saturday, Apr. 7
with PJ McCarthy, Head of Fixed Income, McClurg Capital, sharing perspectives
on assuring steady yield while preserving capital.

Free. All seminars run from 10-11 a.m. at Venture Pad, 1020 B St., San Rafael. Coffee and donuts will be served. RSVP to Information about Kathleen and her investment practice, and about investing in general, can be seen at 

Optional donations at the door benefit a local domestic violence charity.

Special event 

Together with the Wakeup San Rafael!

Networking Group,  I am proud to host a motivational speaker from the Tony Robbins organization, Robbins Research International, Monday, Mar. 12, in San Rafael. The 5:30-7 p.m. event also features some live music.

Free, with optional charity donation. Click to Register


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