Until recently Sandra only had a small ISA holding in a popular ethical fund, which she had purchased on the “ethical” label, rather than how well, if at all, it met with her own beliefs.  Sandra’s financial circumstances changed when an unexpected inheritance meant she now had substantial capital sum to invest.

During our initial meeting, as is our standard practice; the question of ethical investments was raised which led into a detailed discussion about Sandra’s personal beliefs, the different investment styles available, and the long term negative effects of both inflation and underlying costs on investment returns. Following this Sandra completed our ethical questionnaire and considered the options we had discussed, which followed in her instructing us to provide investment advice and recommendations for a two part portfolio.

Part one being a traditional, but focusing on low cost, core portfolio and the second part, which may increase in the future, to take account of her ethical concerns raised earlier. Both parts of the portfolio were to be treated as one with regard to Sandra’s overall attitude to investment risk and her long term financial planning objectives.  Once screening and fund selection was complete our reports to Sandra allowed her to easily see a breakdown of both her ethical and core portfolios.

Jonathan Hill, Milford & Dormor Solicitors