{"product_id":"simple-investing-guide-to-ethical-investing-the-plain-english-guide-to-ethical-investing-esg-funds-and-sustainable-portfolios-for-uk-investors-9781918851021","title":"Simple Investing Guide to Ethical Investing: The Plain English Guide to Ethical Investing, ESG Funds and Sustainable Portfolios for UK Investors","description":"\u003cp\u003e • Author(s): Stuart Welch\u003cbr\u003e • Publisher: Huttons Publishing\u003cbr\u003e • Publisher Imprint: Huttons Publishing\u003cbr\u003e • BISAC: Personal Finance - Investing\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eI know. You have started to wonder what your money is actually doing.\u003c\/p\u003e\u003cp\u003ePerhaps it was a news story about your pension funding the oil industry. Perhaps it was a quiet realisation that the ISA you have been paying into for years owns companies you would never knowingly support. Perhaps it was simply the slow understanding that \"ethical investing\" has become one of the most discussed and least clearly defined corners of personal finance, and you would like someone to explain what is actually going on.\u003c\/p\u003e\u003cp\u003eThis book is for you.\u003c\/p\u003e\u003cp\u003eThe industry has responded to growing investor concern with a vast and confusing range of ethical, sustainable and ESG products, often at premium fees, often with marketing that promises rather more than it delivers. Telling the genuine from the cosmetic has become one of the more demanding tasks in personal finance.\u003c\/p\u003e\u003cp\u003eThis book is the filter.\u003c\/p\u003e\u003cp\u003e\u003cb\u003eWritten by someone who spent twenty-five years inside the industry\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003eStuart Welch's career took him from Chartered Accountant to Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing and Advice at Fidelity International. He knows exactly what the industry understands about ethical investing - and how much of what reaches retail investors is sales copy rather than substance.\u003c\/p\u003e\u003cp\u003e\u003cb\u003eWhat's inside\u003c\/b\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eYour tracker, audited - what your fund actually owns, sector by sector, including the parts most investors have never checked\u003c\/li\u003e\n\u003cli\u003eThe returns question, answered honestly - does ethical investing cost you money? Sometimes, a little, and probably less than you fear\u003c\/li\u003e\n\u003cli\u003eThe tobacco paradox - one of the best-performing sectors of the last fifty years, and what to do with that uncomfortable fact\u003c\/li\u003e\n\u003cli\u003eYour values, mapped - the difference between a hard exclusion and a preference, and why getting it right shapes every fund decision that follows\u003c\/li\u003e\n\u003cli\u003eThe ESG ratings problem - why six major agencies rating the same company agree only slightly more than half the time, and what to use the scores for anyway\u003c\/li\u003e\n\u003cli\u003eGreenwashing, decoded - the specific language to watch for, the thresholds buried in fund small print, and the fifteen-minute test that catches most of it\u003c\/li\u003e\n\u003cli\u003eThe five-stage fund evaluation - a practical, repeatable process for assessing any ethical fund\u003c\/li\u003e\n\u003cli\u003eThe pension conversation - your biggest investment is almost certainly not your ISA, and almost certainly not invested the way you would choose\u003c\/li\u003e\n\u003cli\u003eThe FCA's Sustainability Disclosure Requirements - what the new UK rules mean, what they fix, and what they don't\u003c\/li\u003e\n\u003cli\u003eShareholder engagement - what your ownership entitles you to do, and what coordinated retail investor action has achieved\u003c\/li\u003e\n\u003cli\u003eThe grey areas - nuclear, defence, the transitioning oil major, and how to think about cases where intelligent people genuinely disagree\u003c\/li\u003e\n\u003cli\u003eDoes any of it work? - the honest answer to whether individual ethical investment decisions change anything in the real world\u003c\/li\u003e\n\u003cli\u003eThe simple-ethical tension - why pure index investing and pure ethical investing pull in different directions\u003c\/li\u003e\n\u003cli\u003eStaying the course - the annual review, the underperformance years, and the discipline that separates investors who stick with the approach from those who quietly abandon it\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eUnderstand what you own. Decide what you are and are not comfortable with. Choose a fund that is honest about what it does, at a fee proportionate to what it actually delivers. Hold it patiently.\u003c\/p\u003e\u003cp\u003eThis book is how you do that, in the UK, without wading through marketing designed to make the choice harder than it needs to be.\u003c\/p\u003e\u003cp\u003eStart by finding out what your money is quietly doing while you are not looking.\u003c\/p\u003e","brand":"Huttons Publishing","offers":[{"title":"Paperback","offer_id":47891542638743,"sku":"9781918851021","price":1025.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0666\/3471\/1191\/files\/9781918851021.webp?v=1781184050","url":"https:\/\/atlanticbooks.com\/products\/simple-investing-guide-to-ethical-investing-the-plain-english-guide-to-ethical-investing-esg-funds-and-sustainable-portfolios-for-uk-investors-9781918851021","provider":"Atlantic Books","version":"1.0","type":"link"}