There are multitudes of mistakes that people make when it comes to investing, and incorporating Environmental Social and Governance funds can make it that much more complicated. Today Kate Stalter gives her top tips to help avoid the most common mistakes people make when it comes to socially responsible investing. To give yourself the best chance to achieve the financial outcome you want, tune into this episode of Better Money Decisions.

Show Highlights:

• The necessity for wide diversification to smooth your return and reduce your risk
• The issues with over-concentration
• Approaches to avoid using when selecting investments
• Determining a clear investment objective and your goals
• Getting a fiduciary to create the roadmap for your financial plan

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We all want to invest our money in funds and companies that align with our values, but that isn’t always the best metric. Often times, Stockbrokers and other financial planners who don’t have your best interest in mind will encourage you to buy “sustainable” and “ethical” funds, which sound good, but that isn’t always the case. Today Kate Stalter shares how you can evaluate these funds and determine what is and isn’t worth investing your time and money in. To learn how you can become a better investor and spend less to achieve the same goals, tune into this episode of Bette Money Decisions. 

Show Highlights:

• Evaluating which sustainable funds will be the most beneficial to your situation
• How mutual funds and exchange-traded funds work
• Additional fees funds may cost you
• Why you should pay attention to fund expense ratios
• Putting your money to work for you instead of handing it over to a fund manager

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Most of us want to invest in companies that we believe in and morally support, but feeling good isn’t going to put money in your pocket. In this episode, Kate Stalter shares how you can incorporate those sustainable funds into your asset allocation without jeopardizing your portfolio. If you’re interested in maintaining an ethical portfolio and making it fit your current retirement plan, tune into this episode of Better Money Decisions.

Show Highlights:

• Incorporating sustainable funds into your asset allocation
• Having diversified funds to balance each other out
• Picking and choosing outside of your proper allocation
• What to do if you’re holding too much domestic stock

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Saying you’re “socially responsible” sounds like a good thing to say, but what does that really mean? Putting your own values into perspective, that could mean something different for everyone. In this episode, Kate Stalter explains the metrics used to measure progress and what distinctions are made between sustainable and socially responsible investing. If you want to know more about what fund families really mean or simply how to avoid picking a good feeling over a good investment, tune into this episode of Better Money Decisions.

Show Highlights:

• Causes that socially responsible funds tend to embrace
• Deciding where you want to put your money and pinpointing your values
• What a socially responsible portfolio looks like
• How different values dictate what socially responsible means
• How ownership stakes influence management
• Why you shouldn’t let a good cause take away from a good return
• Supporting causes that are important to you

Links:
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You want to have confidence in where your investment dollars are going. It doesn’t feel good at all to find out that your money is being invested in ways that don’t align with your values. This episode continues our focus on Sustainable Investing, which began in Episode 56. In today’s show, we dive deeper into sustainable investing, what it is, and how you can be sure your investments align with your values.

Show Highlights:

• “Sustainable” means transparent, measurable factors that can be tracked as far as whether a company is improving in areas like greenhouse gas emissions, land use and biodiversity, toxic spills, and more.
• For sustainability to be measurable, it has to be data-driven and factual
• There is a difference in sustainable and socially responsible (we’ll talk more about this in our next episode).
• The primary consideration is the environmental impact
• Why we like the dimensional approach because it reduces the exposure to stocks of companies with less sustainable business practices
• How it IS possible to evaluate a company based on these criteria
• As always, you should maintain broad diversification in companies with strong sustainability practices from different industries, companies, regions, and market capitalizations.
• Follow the same investment rules and don’t sacrifice return
• Why most people operate on the impulse to screen out the companies they don’t like
• How these companies are “scored” on variables, and a higher score means more progress toward the goal of cleaning up these problems areas
• Be sure you understand the criteria that are used in measuring what’s important to you

Resources:

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We’d all like to know the money we’re investing is being used in a way that aligns with our own goals and motives, but how can you ensure that? Today Kate Stalter talks about sustainable and socially responsible investing and how to practice morally aligning investments. This episode covers how to invest in companies you support, how to measure a companies’ goals, and much more. To learn how to get your money to work by spreading positive values tune into this episode of Better Money Decisions.

Show Highlights:

• The start and philosophy behind ethical investing
• ESG Investing
• Why the factors behind ESG are important
• Putting your money to work
• Measuring a companies’ goals
• How to identify what is a good investment and what isn’t

Links:

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If you’ve been investing for a long time, chances are you’ve heard the saying “Sell in May and Go Away”. But is that sound advice you should take? Today Kate Stalter dissects the trivialities of global investments and explains why going off monthly data may not be your best strategy. Tune into this episode of Better Money Decisions to better your understanding on relevant data and to help you know what you might expect in the market.

Show Highlights:

• Understanding how seasonality works in the market
• Where you’re supposed to “go”
• Why May tends to open wealth and how to manage expectations
• Market data that helps you know what you might expect
• Why smaller gains are better long term
• The home country bias
• International diversification
• Why you shouldn’t sell in May

Links:

Stock Trader’s Almanac

iShares MSCI ACWI ex U.S. ETF

Got investing questions you’d like me to answer on the show?

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Have you ever wondered what your future finances will look like? Many of us have! Today Kate Stalter talks about how you can get a glimpse into your financial future with proper financial planning and execution. If you’re interested in your financial projection, this episode explains how you can get a glimpse of your future, along with managing expenses, and setting goals. To get your financial plan in order today tune into this episode of Better Money Decisions. 

Show Highlights: 

• Factors in your finances that you have control over 
• How to figure out future expenses and income 
• Working out your financial plan 
• Being engaged and held accountable in your financial process 
• Having something to work towards no matter what the stock market looks like 

Links: 

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Many companies quarterly release their sales, revenue, expenses, and other financial data, but what does that mean for you? Well, in some cases it may not be applicable to your particular case, but these earnings reports do predict market fluctuation and can impact your personal portfolio. Today Kate Stalter explains how earning reports impact individual stocks and the many factors that can contribute to stock movement. To learn more about these quarterly reports and how they affect your investments, tune into this episode of Better Money Decisions.

Show Highlights:

• How earning season works and impacts individual stocks
• Companies that will publicly release data
• Why Wallstreet watches these companies closely year-round
• How quarter estimates are put into practice
• How institutional investors drive stock price movements
• What it means when a stock fluctuation meets or doesn’t meet expectations
• How earnings reports contribute to stocks moving up or down

Links:

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As a consumer, you’ve probably been solicited at least a time or two for your opinion on a product or service that you’ve purchased. Businesses like to hear the opinion of actual customers because those opinions can inform the decisions the business will make and how they can appeal to a larger audience.

When it comes to investing, it’s pretty common knowledge that you don’t want to invest based on emotions. If you were asked whether men or women investors tend to be guided more by emotion, you would probably say that women are the emotional investors and men are more data-driven. And, you’d be wrong. There is lots of evidence in the marketplace that men are much more emotionally invested in their investments than women are.

Today, we’re talking about your opinion of the markets and how that plays a role (or shouldn’t) in your investment strategy.

Show Highlights:

• Your opinion of the market predictions should never guide your investing strategy.
• The market is non-emotional and non-personal, don’t try to make it otherwise.
• You don’t get emotional about buying fruit, so don’t get emotional about buying stocks.
• Don’t wrap emotion in logic in order to make investment decisions.
• Your opinion will never affect market movement.
• You can avoid many common investment mistakes by not letting your opinion guide you.

Resources:

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