IFA and Ethical investment Return

eskbanker

DoneWorking said:

Sorry to go on so much about this big decision for me

Others seem able to just go ahead without appearing to worry

DoneWorking said:

Are there any alternatives to Vanguard which are ESG geared

With all due respect, if you're uneasy about DIY and don't really seem to have much idea about how to research ESG funds and where to buy them from, I'd suggest that the advised route may be more suitable, at least in the first instance, particularly if your pot is in £350K territory.

DoneWorking

eskbanker said:

DoneWorking said:

Sorry to go on so much about this big decision for me

Others seem able to just go ahead without appearing to worry

DoneWorking said:

Are there any alternatives to Vanguard which are ESG geared

With all due respect, if you're uneasy about DIY and don't really seem to have much idea about how to research ESG funds and where to buy them from, I'd suggest that the advised route may be more suitable, at least in the first instance, particularly if your pot is in £350K territory.

Thanks Eskbanker

I wasn't really planning on using my whole funds for DIY

Hence my questions here and in other posts about IFAs

So far I have only been able to find IFAs who seem a bit pricy 
They also seem to use an outside party to provide the investment plan

Ideally what I'd like is a smaller Group of say 3 to 5 IFAs in one practice who could provide the investment plan in house at a reasonable % cost over an extended period

One IFA I spoke to owns a small company which has a small group of 2 other IFAs

He is offering his service at less than 1% but he is selling his business within six years

I'd then have to start all over again if new owner was not suitable 

dunstonh

So far I have only been able to find IFAs who seem a bit pricy 

ESG is more costly than conventional investing.    Although the IFA cost should be the same (around 0.5-0.75% on your value).

They also seem to use an outside party to provide the investment plan

Again, that is more likely due to ESG.        I don't like using DFMs but I do with ESG portfolios as it is not practical to provide the ESG data on in-house fund selections.        For conventional portfolios, we do it in-house and avoid the DFM.

There is an expectation with ESG portfolios that the data is available and you avoid greenwashing.      You expect to see things like positive/negative exposure to various areas.  e.g. Sustainable water, pollution prevention, amount of CO2 etc.