Local Life - St Helens - May/Jun 2021

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36 Invest Today. Change Tomorrow A Guide to Responsible Investing Responsible, sustainable and environmentally friendly investing is here to stay. However, while demand is growing among all age groups, genders and income bands, some savers and investors are missing their biggest opportunity for responsible investing, which is through their pension. We all want to make responsible choices as more of us are becoming aware of global challenges, such as environmental issues, human rights and climate change. We’re also starting to care more about how our behaviours affect the planet and society. Future Success Taking ESG (Environmental, Social and Governance) factors into consideration when investing is becoming more mainstream. It is acknowledged that companies that act responsibly to their employees, the environment and the public have a better chance of future success than those that don’t. Investing in these companies is now a logical approach financially as well as ethically. Many pension holders understand this approach and see the value of it. In a recent survey, more than one-third of respondents said that the option to invest their pension only in sustainable companies is important to them. Nearly two-thirds said having clearly branded funds for investing in environmentally and socially responsible companies is important to them. Pension Investments The same survey suggests that pension holders feel that sustainable investing isn’t just important, but interesting. More than half of respondents said that a fund focused on clean energy and lowering carbon would make them more interested in their pension. A similar number felt that way about a zero-plastic fund. But while pension holders feel these issues are important and interesting, that isn’t yet affecting the way they invest. Most people don’t manage their pension investments personally so, more than two-thirds of pension holders do not know how sustainable their pension is. Environmentally Friendly Many pension holders don’t know that they can choose their own funds, and therefore that they can choose sustainable or responsible funds. Around half are unaware of ways to ensure their pension is environmentally friendly. Clearly, many pension holders would like to invest pension funds more sustainably and responsibly but don’t know where to start. There are plenty of options, but without specialist advice, it can be difficult to select those companies that are truly responsible and environmentally friendly and will also deliver the financial return you’re seeking. Investing with Purpose Responsible investors essentially take responsibility for the impact that the companies they invest in have on the world. Thankfully, investing with an ESG focus has moved from a niche area of investing to the mainstream, with many well-known investment firms now offering a large number of funds in this area. Speak to us at Callisto about what responsible investing options are available in your pension scheme and any other investment, and for advice on how to help your money have the greatest impact. We look forward to hearing from you. Andrew Platt CFP TM Chartered MCSI A pension is a long-term investment not normally accessible until age 55 (57 from April 2028). The value of your investments (and any income from them) can go down as well as up, which would have an impact on the level of pension benefits available. Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future. You should seek advice to understand your options at retirement.
Planning for your future is hard if you don’t have the necessary financial expertise. Callisto Wealth Management will work with you to help you achieve your financial freedom once you reach retirement. Take the first step today towards enjoying the rest of your life. Call us on 01744 881421 to arrange a no-obligation consultation at Rainford Hall. Remote consultations also available. Call us now for your FREE Smart Money guide! Callisto Wealth Management Ltd Rainford Hall | Crank Road | <strong>St</strong> <strong>Helens</strong> | WA11 7RP 01744 881421 www.callistowealth.co.uk enquiries@callistowealth.co.uk
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Page 3 and 4: 3 Interior Design Services Bay Wind
Page 5 and 6: 5 This month’s highlights 15. St
Page 7 and 8: 7 Monaco 3-seater settee + 2 chairs
Page 9 and 10: 9 MEEtiNg FriENdS, EAtiNg Out ANd S
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Page 13 and 14: 13 Looking to sell your property in
Page 15 and 16: 15 St Helens’ Civic Spirit by Nic
Page 17 and 18: 17 poor condition of the roof meant
Page 19 and 20: 19 Huge selection of fires, stoves
Page 21 and 22: 21 Quality carpets & flooring, expe
Page 23 and 24: 23 TIMBER, FENCING & DECKING GATES
Page 25 and 26: 25 Tiddlers Return Tuesday Tiddlers
Page 27 and 28: 27 Incredibly glamorous, these pink
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Page 31 and 32: 31 WE ARE NOW OPEN AGAIN... 7 DAYS
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Page 39 and 40: 39 Organisers are keen to reassure
Page 41 and 42: 41 8) You could be helping the prim
Page 43 and 44: 43 WORDSEARCH INSECTS ANTS APHID BE
Page 45 and 46: 45 Quiz Theme: Land and Sea 1. Whic
Page 47 and 48: A570 47 For those with the OS Maps
Page 49 and 50: 49 Cycling with bionic legs! Cyrush
Page 51 and 52: 51 things you see and hear, and thi
Page 53 and 54: 53 Making the switch to an electric
Page 55 and 56: 55 Puzzle Solutions CROSSWORD WORDW
Page 57 and 58: 57 Promote your company here for ju
Page 59 and 60: Home Services 59 All Electrical Ins
Page 61 and 62: 61 Call Clint for a free no obligat
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Page 67 and 68: 67 Come and visit the largest showr

Local Life - St Helens - May/Jun 2021

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