Overview Fossil Fuel Free Investments - PeppermintT/Fossil_Fuel_Free_Investments GitHub Wiki

I have pensions and stocks and shares ISAs. I have invested them in the most ESG, sustainable way possible - I think. However, this is a minefield and worth revisitng. I can re-use coffee cups, carrier bags and cycle everywhere forever - the impact of my pension investments can outdo all that good in no time.

Don't ignore the hard stuff!

My investment objectives

A) Ensure my investments reflect my values:

I need to learn a a method I can apply to:

• i) ensure that my investments reflect my values
• ii)specifically I want to ensure that my investments are as fossil fuel free as possible. (* This point is really important as fund sheets are not detailed enough and I need to work out how I deal with this.)

By investments I mean all my stakeholder pensions from different UK employers and my two stocks and shares ISAs (different tax years).

B) Understand performance metrics so that I can compare:

• i) my 3 different stakeholder pensions from different employers (all in the UK)
• ii) my 2 different stocks and shares ISAs from different tax years.

I have tried this and I get into a muddle because one pot has money going in regularly and one is a fixed pot. What are the metrics I need to be looking at? What are they required by law to disclose? What documents do I refer to when I have to ring them up and ask because they are opaque and seem to be hiding stuff.

C) Understand fees and charges. I would like to:

• i) understand the fees and charges for my stakeholder pensions - basically I want to try and work out whether I need to merge some pensions.
• ii) understand fees and charges for my stocks and shares ISAs

D) What does it mean when I put it together?

I need to then consider whether A) is met and then how I minimise C) and maximise B) subject to the criteria in A).

E) Then what?

Once A-D are in place I will look at forecasts and possible income in retirement and identify adjustments needed.