Better Money Decisions

Better Financial Decisions

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60: Expensive Stuff Can Wreck Your Retirement 0

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May 17, 2019

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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59: How Do Sustainable Investments Fit into Your Retirement Plan 0

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May 14, 2019

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

Links:

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

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(844) 507-0961 Extension 700

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58: What Socially Responsible Really Means 0

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May 10, 2019

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

wecanhelp@bettermoneydecisions.com

For Your Free Report, “5 Serious Mistakes You Can Avoid in Retirement”: Email

Our proprietary Financial Wellness For Life program

Contact Better Money Decisions:

(844) 507-0961 Extension 700

Want our library of financial education topics? It’s all right here

57: Are Your Investments Aligned with Your Values? 0

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May 7, 2019

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:

Got investing questions you’d like me to answer on the show? We Can Help Better Money Decisions

For Your Free Report, “5 Serious Mistakes You Can Avoid in Retirement”: Email

We Can Help Better Money Decisions.com

Our proprietary Financial Wellness For Life program

Contact Better Money Decisions:

(844) 507-0961 Extension 700

Want our library of financial education topics? It’s all right here