Blog

The Rise of Impact Investing and the Importance of Storytelling

Oct 17, 2017 - Impact Investing by ccminvests

The discussion during a panel titled “Mainstreaming Impact Investing” at this year’s Social Impact Conference sponsored by Wharton’s Social Impact Initiative, focused on millennials and how they are interested in investing with purpose. Christopher Geczy, an adjunct professor of finance at Wharton, noted that he believes we’ve reached a tipping point as more students have enrolled in his impact investing class versus his traditional investment management course.1

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Considering ESG/SRI Impact Themes and the United Nation’s Sustainable Development Goals

The United Nation’s Sustainable Development Goals (SDGs) aim to end all forms of poverty, fight inequalities and tackle climate change.  Many of our impact themes at Community Capital Management overlap with the SDGs themes such as human empowerment, environmental sustainability, and education. While it is only by happenstance that there are 17 SDGs and that we, too, offer clients 17 thematic impact initiatives, it is no coincidence that all our themes parallel the missions of the U.N. SDGs. Below, we list in illustrations how our investors can embrace themes to contribute to a sustainable society.

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Are Socially Responsible Investing and Impact Investing the Same Thing?

These terms are often used freely, but they aren’t interchangeable. It is essential to understand—and be able to explain—the differences between socially responsible investing and impact investing so investors can make informed decisions. 

In their most basic forms, socially responsible investing and impact investing are very similar. They both seek to consider financial return and social good to bring about a social change. Beyond this, though, socially responsible investing and impact investing begin to branch off in different directions. 

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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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