• Values based investing is our preferred term for what some might call “ethical”, “sustainable” or “socially responsible” investing.

• Vales are personal, so fund managers may differ in opinion as to what constitutes “ethical”

• You can apply negative criteria to help choose which funds might match your values e.g. a fund that does NOT invest in tobacco manufacture and

I’m no psychologist, but part of my job when Marketing FMB is to think about what messages will hit home when talking to clients and potential new clients. I’ve just been listening to a webinar by Dr Thomas Mather from the Behavioural Insights Team at Aegon Cofunds to learn more about how people make decisions about their finances.

95% of our decision making comes from