Blog

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 CCM Invests

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 CCM Invests

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 CCM Invests

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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A Look at Your Trash: Seeing Beyond the “Waste”

Have you ever stopped to analyze your trash? Here in the United States, we are privileged to dispose of the things we no longer want in our sight with great convenience, ridding the waste from our homes for others and the environment to deal with later. The United States Department of Agriculture reports that 30-40% of food supply worth over $100 billion ends up in landfills.[1] Waste, in addition to its social and political implications, has direct consequences on all aspects of the environment.

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The Gender Gap and Gender Lens Investing

Sep 13, 2016 - Gender Lens by CCM Invests

We hear about the gender gap discussed in the news covering all types of fields and regions of the world. People can argue endlessly about the origins, culprits, and measurements of gender discrimination. Yet, data continues to show that women are significantly underrepresented in the world of financial services. PwC’s report “Mending the gender gap, advancing tomorrow’s women leaders in financial services highlights this data by noting that women in financial services hold only 19% of senior level positions, 14% of board seats, and 2% of CEO roles.[1] Women, however, aren’t the only ones feeling deprived. In fact, companies may also be losing potential gains by having male-dominated boards. Studies have found that companies experience a 42% higher return in sales, 66% greater return on invested capital, and 53% higher return on equity relative to their competition with less gender-diverse boards.[2]

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Taxable Municipals: Social, Environmental and Portfolio Benefits

Taxable municipal bonds may be used to finance a variety of social and environmental initiatives such as affordable housing and healthcare, neighborhood revitalization, job creation, energy efficiency, wind turbines, solar panels, education and healthy communities, to name just a few.   

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Four Reasons to Divest from Fossil Fuels

Jun 22, 2016 - Fossil Fuel Free by CCM Invests

CCM has been managing fossil fuel free fixed income portfolios since 1999.   Divesting from fossil fuels is a powerful action.  The Divest-Invest movement sends a strong message that investors are taking action for a fossil free future.

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Impact Investing and 401(k) Plans - What's the Holdup?

May 04, 2016 - Impact Investing by CCM Invests

A February 2015 survey by Morgan Stanley found that more than 70% of individual investors are interested in sustainable investing and compared to the overall individual investor population, millennial investors are nearly two times more likely to invest in companies or funds that target specific social or environmental outcomes.   Another interesting finding is that female investors are nearly two times as likely as male investors to consider both rate of return and positive impact when making an investment.[1]

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 A full list of regulatory disclosures for Community Capital Management, Inc. are available by visiting: https://www.ccminvests.com/regulatory-disclosures/.