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Three days to go: many top ISA stocks fail to deliver sustainability



The ten most popular equities in ISAs this tax year fail to deliver on the sustainability front. Investors still have three days to use up their ISA allowance and make the most of the tax free incentive.

According to The Share Centre, utilities and high street banks both feature in the most popular ISA stocks. Graham Spooner, investment research analyst at The Share Centre, said this year’s most popular stocks reflect a desire for income, as interest rates remain low.

However, investors should consider ethics and sustainability when selecting stocks in order to ensure long-term stability and returns. Several pieces of research has linked sustainability with greater stability and returns, suggesting investors can match their investments to their ethical values without missing out financially.

British drug company GlaxoSmithKline came out as the most popular equity. In July last year the company came under fire over allegations of bribery in China. Despite this investors maintained their trust in the company, which is a popular choice among ethical and responsible fund managers, including Alliance Trust.

Among the top ten were also oil and gas companies BP, Royal Dutch Shell and Centrica. MPs recently issued a stark ‘carbon bubble’ warning to investors and the finance world. A committee said that stock markets are at risk of instability because fossil fuel assets can become overvalued when the need to tackle climate change is factored in.

Such fears highlight the need for investors to be aware of how sustainability issues can impact on their investments in the short, medium and long-term.

Two high street banks – HSBC and Lloyds – also made the top ten list. In the last year HSBC has been accused of a number of unethical and unsustainable practices including “bankrolling the destruction of rainforests” and financing coal mining projects. It has also been embroiled in the rate-rigging scandal and suspended two traders dealing in the foreign exchange market at the beginning of the year.

Lloyds has also come under fire after being accused of short-changing payment protection insurance victims and being fined for an irresponsible sales culture.

The other companies that made the top ten were Vodafone, National Grid, Tesco and Aviva.

Individuals have until midnight on April 5 to use up their ISA allowance – which is £5,750 in a cash ISA or £11,520 in a stocks and shares ISA – for the year 2013/14.

Photo: Pascal THAUVIN via

Further reading:

Four days to go: fifth of ISA investors select stocks ‘blindly’

Five days left until the deadline for investing in 2013/14 ISAs

ISA deadline closes in: have you made the most of your tax-free allowance?

Green ISAs: it’s not too late to resurrect an inspired idea

Consider sustainability and ethics when investing in ISAs this year


Responsible Energy Investments Could Solve Retirement Funding Crisis




Energy Investments
Shutterstock / By Sergey Nivens |

Retiring baby-boomers are facing a retirement cliff, at the same time as mother nature unleashes her fury with devastating storms tied to the impact of global warming. There could be a unique solution to the challenges associated with climate change – investments in clean energy from retirement funds.

Financial savings play a very important role in everyone’s life and one must start planning for it as soon as possible. It’s shocking how quickly seniors can burn through their nest egg – leaving many wondering, “How long your retirement savings will last?

Let’s take a closer look at how seniors can take baby steps on the path to retiring with dignity, while helping to clean up our environment.

Tip #1: Focus & Determination

Like in other work, it is very important to focus and be determined. If retirement is around the corner, then make sure to start putting some money away for retirement. No one can ever achieve anything without dedication and focus – whether it’s saving the planet, or saving for retirement.

Tip #2: Minimize Spending

One of the most important things that you need to do is to minimize your expenditures. Reducing consumption is good for the planet too!

Tip #3: Visualize Your Goal

You can achieve more if you have a clearly defined goal in life. This about how your money can be used to better the planet – imagine cleaner air, water and a healthier environment to leave to your grandchildren.

Investing in Clean Energy

One of the hottest and most popular industries for investment today is the energy market – the trading of energy commodities. Clean energy commodities are traded alongside dirty energy supplies. You might be surprised to learn that clean energy is becoming much more competitive.

With green biz becoming more popular, it is quickly becoming a powerful tool for diversified retirement investing.

The Future of Green Biz

As far as the future is concerned, energy businesses are going to continue getting bigger and better. There are many leading energy companies in the market that already have very high stock prices, yet people are continuing to investing in them.

Green initiatives are impacting every industry. Go Green campaigns are a PR staple of every modern brand. For the energy-sector in the US, solar energy investments are considered to be the most accessible form of clean energy investment. Though investing in any energy business comes with some risks, the demand for energy isn’t going anywhere.

In conclusion, if you want to start saving for your retirement, then clean energy stocks and commodity trading are some of the best options for wallets and the planet. Investing in clean energy products, like solar power, is a more long-term investment. It’s quite stable and comes with a significant profit margin. And it’s amazing for the planet!

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How to make a sustainable living out of Forex Trading?




sustainable forex trading
Shutterstock Licensed Photo - By Robert Kneschke |

There are two different types of forex trading in general: the profitable one and the not so profitable one. Everyone wants good profits at the end of the day, but unfortunately a good number of traders are burdened with the huge losses at the end of their forex careers. Many newbies run the other way around when they hear about forex trading due to heavy losses in their initial period. Of course, you would have heard about all those success stories, in your friends’ circle or on the internet. However, if you are looking forward to replicate those success stories, you need get yourself ready before that.

In this article, we will discuss the six essential skills that are needed to earn some profits from trading foreign currencies and make a sustainable living out of it.

1. Limit your risk ceiling

When you start with forex, you should try to define limits. Try to create a balanced scorecard that defines your personality with regards to various parameters such as your strengths, weaknesses, behaviors, and ability to take risks. It is essential that you list your financial goals before you start with forex trading.

2. Learn about leverage ratio and account type

When you start, brokers will suggest different forex trading accounts that might take you for a whirl if you aren’t prepared. Each forex trading account has its own pros and cons. It is essential that you engage with your broker to create a mini trading account so that you will be able to warm up on your forex trading skills in a low risk environment.

3. Start small

While starting out, some investors rush to have multiple currency pairs without doing proper research on them beforehand. It is very important have you understand the nature and volatility of a currency before you start trading a pair. Every single foreign currency is like a market onto itself. It is therefore important that you take the time to study about the country before forming pairs to understand the volatility of the currency. By using forex trading platforms such as ETX Capital, you can take informed decisions easily.

4. Learn to control emotions

A forex trader should never take any decisions on the spur of the moment based on emotions and should be as rational as he can. Controlling your impulses is the key to becoming a great forex trader.

5. Automate your processes

I am not suggesting you to rely completely on forex robots and trade copiers, but make use of the latest automation tech to execute transactions faster than ever before. Make use of automation features such as stop loss, price options etc. to make the most out of the exciting opportunities.

6. Keep it simple.

Not everyone can be a genius economist, mathematician and a trader, bundled into one. Forex trading is not a complex subject, you only need to arm yourself with positive thinking, and set yourself clear and realistic goals.


I hope this article was useful for you to learn about the key reasons why online forex trading is a good investment and how you can earn money through it. If you have any doubts with regards to this, let us know through the comments and we will be glad to help you out. If you have any suggestions regarding how we can improve the article, let us know them through the comments as well for us to improve.

Though it’s a reliable source of income, you will have to educate yourself properly before you start investing. It is important that you take the time to understand why things are the way they are before you jump all in and start making your first big bucks. All the best for your future ventures and keep coming for more interesting and useful articles.

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