Millennials and the Great Wealth Transfer

Nov 21, 2018 - Impact Investing by CCM Invests

It’s an interesting time to be a Millennial. Sure, this generation has had, and continues to have, unique challenges. Many graduated college with unprecedented student loan debt, only to be welcomed to adult life by the Global Financial Crisis. As a result, despite being the best-educated generation ever, Millennials represent 40% of unemployed people in the U.S., and those who do have a job are earning less today than the same age group in the past.1

But it’s not all bad news, though, for Millennials. As the offspring of Baby Boomers - the generation that currently controls roughly 70% of the disposal income in the United States - this group now stands to inherit a staggering amount of wealth. This potential shift in capital is being dubbed the “Great Wealth Transfer” and the industry is taking note.

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Rebalancing in Today’s Market and How Liquid Alternatives Can Play a Role

The asset allocation of a portfolio helps drive its long-term performance results. Rebalancing is also critical and is especially important in today’s market given the extended bull market in stocks. A traditional 60/40 (equities/fixed income, respectively) portfolio would likely be 70/30 without rebalancing after a prolonged equity bull market. The outsized equity allocation could then be detrimental to returns should the next recession strike. In light of this coupled with current low yields on traditional core fixed income securities, many investors and their advisory teams have been ramping-up research on liquid alternative investments and the role they can play in portfolio diversification. 

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What is the “High Water Women’s Impact Symposium” and Why You Should Care

CCM recently attended the High Water Women’s Investing for Impact Symposium in New York City. High Water Women is a nonprofit organization, founded by a group of women from the investment industry, that supports volunteerism and philanthropic giving. The organization now includes 3,500 members from across the financial services world.

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Shift in Financial Goals for Millennials

Oct 26, 2018 - Impact Investing by CCM Invests

“More than half of Millennial investors see the social responsibility of their investments as an important selection criteria, compared with less than 30 percent of WWII-era investors and 42 percent of Gen X investors.” 1

Millennials are often cited in investment-related headlines, especially as the generation accumulates more and more wealth. Their perceived lack of interest in traditional financial goals like home ownership or car ownership and inclination to spend money on experiences, such as food and travel, appear to be disrupting industries.  Even their career paths and desired job perks tend to illustrate a shift in priorities.

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Microfinance and Impact/ESG Investing in Indian Tech Startups

“The success of the microfinance model inspired us to replicate a similar approach
in healthcare and education, which are as critical to rural India as credit.”
Srikrishna Ramamoorthy of Unitus Ventures

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Microfinance typically aims to provide low-income or impoverished communities with access to capital. They are often in the form of small business loans with the goal of helping communities and businesses become self-sufficient. A recent Forbes article notes that the success of microfinance projects in India has resulted in larger-scale impact investments, including the funding of impact/ESG-oriented tech startups.

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Q&A with CCM Chief Impact Strategist David Sand

CCM’s Chief Impact Strategist, David Sand, has more than 35 years of investment management experience and is a trailblazer in the socially responsible/impact investing arena. Recently, a member of our team sat down with David and asked him a few questions about his career and experience.

Q: What started your career in impact/ESG investing? Was there any specific catalyst(s) that led you to become a pioneer in the development of market-rate, fixed income impact investments?

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The Disconnect Between Sustainable Lifestyles and Sustainable Investments

“Wealthy investors are motivated by sustainable values, yet many don’t apply them to investment decisions.”1

It has become more common for affluent investors to incorporate sustainability into their lifestyles.  These new behaviors include recycling and using natural household cleaners, making large scale environmentally friendly purchases such as solar panels and electric cars, and even choosing impactful careers.  These investors may be more likely to purchase a product from a company with a reputation as a leader in environmental sustainability, versus a slightly-cheaper version of the product from a manufacturer with no known sustainability focus.

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Sustainable Development Goal (SDG) 5: Achieve Gender Equality and Empower All Women and Girls

According to the United Nations Principles for Responsible Investment (UNPRI) and Sustainable Development Goal #5, providing women and girls with equal access to education, health care, decent work, and representation in political and economic decision-making processes will fuel sustainable economies and benefit societies and humanity at large.

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State Treasurers and Public Pension Fiduciaries Seeking to Increase Allocations to Impact/ESG

Across state and municipal pension plans, state treasurers and plan fiduciaries are seeking to learn more about impact/ESG investments. Similar to our recent blog noting the adoption of impact/ESG strategies in defined contribution/401(k) plans, these municipalities also look to introduce new or increase their existing impact/ESG allocations.

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The Adoption of Impact/ESG Strategies in 401(k) Plans

Adoption of Sustainable Investing (SI) strategies, or those that integrate Environmental, Social and Governance (ESG) goals, has seen considerable growth in defined contribution (DC) plans. This growth has been primarily fueled by an increased appetite from participants, interest from plan sponsors to align DC menus with their corporate values, and a growing set of investment capabilities that fit the performance needs and values of investors.1 

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