Blog

Faith-Based Impact Investing: How to Incorporate Religious Values into Your Portfolio

Sep 25, 2017 - Impact Investing, Religion by ccminvests

“Impact investors are those who are conscious of the existence of serious unjust situations, instances of profound social inequality and unacceptable conditions of poverty affecting communities and entire peoples.”
– Pope Francis, “Investing for the Poor” Vatican Symposium on Impact Investing (2014)

Religion and finance are two topics that rarely intertwine in the minds of most investors. They may attend religious services each week and make charitable donations, but then also adjust their portfolios and watch the stock market at other times and for unrelated reasons. With faith-based impact investing, however, investors no longer have to feel like they are living double lives—it is possible to combine your religious values into your investment portfolio and still have the potential to see promising returns.

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Spotlight: CCM Fixed Income Impact Investments Supporting Disaster Recovery Relief

With the 2017 Atlantic Hurricane Season upon us, we thought it would be a good time to highlight one of CCM’s seventeen impact investment themes: disaster recovery.

Investors who choose disaster recovery as an impact theme are supporting various community development activities in federally-designated disaster areas and disaster-prone areas to enable the recovery, prevention, or continuation of daily life associated with natural or human-induced disasters.

How does CCM invest in bonds that are helping disaster recovery efforts in the U.S.?  Let’s look at three examples below.

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Impact Investment Theme Spotlight: Gender Lens

Sep 12, 2017 - Gender Lens by ccminvests

At CCM, we categorize our investments using seventeen impact themes, one of which is gender lens. We define this theme as follows: benefiting women and girls, primarily those that are low- and moderate-income, such as women-owned businesses, educational programs, health-related services, and affordable homeownership.  We support these initiatives promoting gender equality, especially in low- and moderate-income neighborhoods, because of their roles in helping young girls and women advance their skills and job opportunities.

Investors are increasingly interested in seeing examples of the types of bonds that incorporate gender lens.  We have included two below.

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A Look at the Gender Gap in the Workforce Today

Aug 31, 2017 - Gender Lens by ccminvests

While the U.S. has made tremendous progress in gender equality, a gender gap persists. Whether it is a result of institutional discrimination towards women, their roles as caregivers affecting their salaries, or a combination of both, a gender wage gap is prevalent among many occupations.

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9 Issues Millennial Investors Care About Right Now

Jun 20, 2017 - Uncategorized by ccminvests

By now, it’s likely you’ve come across at least one story with a headline signaling the close relationship between millennials and impact investing. Millennials, those born between 1980-2000, have been exposed to pressing reminders of global threats such as climate change and overpopulation. Perhaps this underlies many recent studies demonstrating the importance millennials place on impact investing.

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Why the “Green” Bond Label Isn’t Enough and What is Being Done About it

The term “green bond” is receiving more and more attention, not only because of the growing demand for ESG investments, but also because the “green” label is so ambiguous.  Perhaps the lack of a clear definition is partly a result of the approximately $576 billion universe of unlabeled green bonds. Furthermore, as climate change mitigation and adaptation technologies expand rapidly, a concrete definition for “green bonds” will become increasingly difficult to establish. Fortunately, evaluators are looking at ways to tackle this issue by addressing investors’ demand for a more transparent and clear label.

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Trump’s HUD Budget Cuts Will Affect More Than Just Affordable Housing

May 03, 2017 - Uncategorized by ccminvests

For every 100 extremely low income households in the U.S.—those at or below 30% of the area median income—there are only 29 “adequate, affordable, and available” rental units, according to the Urban Institute.

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ESG/SRI Investing: Can Investors Have Their Cake and Eat it too?

As discussed in an earlier blog, The Nomenclature of Impact Investing, ESG (Environmental, Social, and Governance) investing and SRI (Socially Responsible Investing) are two of many acronyms used for impact investing.  Despite its growing popularity, some investors have voiced their concern regarding a returns trade-off.  ESG investors and managers, including the 1,500 signatories of the UN Principles for Responsible Investment, will point to numerous studies showing that returns need not be sacrificed when investing in ESG issues.[1]  However, it appears that some still need convincing.  This past month, the California Public employees’ Retirement System (CalPERS) announced a request for asset managers to show historical performances of ESG investing in order to prove outperformance of cap-weighted benchmarks or benchmark segments.[2]  So, with what seems to be ambiguity in the space of ESG investing, where can we find clarity?

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Honoring Black History Month by Spotlighting Four Individuals Contributing Toward Social Progress

Feb 21, 2017 - Impact Investing by ccminvests

While social justice has advanced tremendously, racial equality remains far from perfect. In fact, former President Barack Obama claims that the country still faces “unfinished business of the civil rights movement”. [1] So in honor of Black History Month, this blog post highlights four African Americans who have positively contributed toward social progress in black communities in the United States. Considering the extensive list, we’ve narrowed our selection to include individuals relevant to CCM’s work in impact investing and the advancement of opportunities in low- and-moderate-income communities. We applaud the individuals below for their efforts in finding ways to address this “unfinished business”.

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What Does the Future of U.S. Sustainable Investing Look Like?

Dec 14, 2016 - Uncategorized by ccminvests

Discussions on the future of the United States’ role in climate change are flooding the news’ sections of sustainable organizations. Trump’s nomination of Scott Pruitt to lead the U.S. Environmental Protection Agency may make some socially minded uneasy, but we like to be optimistic and hope the future will include the following:

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