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Investors continue to reap returns with ethical funds
Derin Clark

Derin Clark

Online Reporter
Published: 26/07/2021

Ethical funds have outperformed non-ethical funds over the past 12 months, which combined with the growing concern about climate change and a heightened focus on companies being socially conscious, makes ethical funds increasing attractive to investors.

In fact, ethical funds overall returned 19.87% over the past year, which compares to the 17.89% return from non-ethical funds. “The assumption that choosing an ethical fund can mean a sacrifice in return versus non-ethical is untrue and has been so for many years,” explained Rachel Springall, finance expert at Moneyfacts.co.uk. “Ethical funds have outperformed non-ethical in 13 out of 23 sectors based on the latest one-year performance figures. If we travel back to 2020, overall, the non-ethical sector returned a loss of 1.46% and ethical returned a profit of 4.29% over one year. In contrast, both the overall ethical and non-ethical sectors returned growth over the past year of 19.87% and 17.89%. Whilst past performance cannot guarantee future growth, it is still encouraging to witness the resilience of ethical funds.”

She added: “In the months to come consumers looking to invest or review existing fund selections would be wise to seek advice and keep in mind past performance is not guaranteed for the future. However, as our analysis shows, ethical funds have surpassed non-ethical over the past couple of years and this may not just entice those keen to invest more responsibly but also those chasing good returns.”

Although ethical funds have been performing well, some investors not naturally interested in ethical investing may still be cautious about investing in ethical funds. Joshua Hewitt, charter financial planner at Kellands, said: “Although clients may not initiate the conversation around sustainable investing, we find that the vast majority are open to consider the options available to them. Clients who may not have deep rooted conviction to invest in a sustainable manner are more and more willing to consider their opportunities, and although it may not be suitable for them to invest their full portfolio into ESG funds, we are finding that they are wishing to ‘test the water’ and increase the diversification of their portfolios by adding an element of ESG investments.”

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The best savings rates this week 23.07.21

Banks and building societies have continued to launch new savings accounts and increase rates this week, most notably Coventry Building Society which now tops the easy access savings chart with its recently launched Limited Access Saver (Online) (5). Meanwhile, JN Bank increased the rate on its five year fixed bond today, resulting in it topping the fixed rate bond chart.

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The best residential mortgage rates 23.07.21

Nationwide Building Society made headlines this week offering the first sub-1% five year fixed mortgage deal on record. This 0.99% deal is available in both our remortgage and moving home charts, although borrowers should be aware that a minimum loan is required. Nationwide Building Society also launched new three year fixed deals in the remortgage and moving home charts, again resulting in it offering the lowest three year rates in these charts with a sub-1% deal.

Although this round up has highlighted the lowest rates in the mortgage charts, borrowers should remember that the lowest rate may not be the best deal and instead they should consider the total cost of the deal, taking into account products fees, as well as flexible features available. Those unsure of which deal is right for them should consider speaking to a mortgage broker who will be able to provide advice on the best deal for their individual circumstances.

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Could buy to let investors get better returns with properties that accepts pets?

Last year saw a boom in pet ownership, but for many people having a four-legged friend can make finding rental accommodation a challenge which could prove a lucrative investment opportunity for landlords.

Allowing pets in rental homes has become a growing issue and government statistics estimate that just 7% of private landlords advertise pet friendly properties. Although earlier this year the Government aimed to tackle this issue with its Model Tenancy Agreement that makes it easier for tenants with well-behaved pets to find rented accommodation, the growing number of pet ownership means that many tenants with pets still struggle to find suitable accommodation.

As a result of this, those considering a buy-to-let (BTL) investment may find that that their investment is more successful if they allow tenants to have pets in the property.

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What are the best ISA investment funds in July 2021?

The US and UK stock markets dropped sharply on Monday of this week, as investors worried about the rising cases of the coronavirus Delta variant and concerns about rising inflation in the UK. On Tuesday, the pound also fell to a five-month low against the dollar. The UK market appears to be recovering with modest rises seen so far this week. Those rising included Rolls-Royce, Berkeley Group and Scottish Mortgage Investment Trust.


We’ve rated a number of ethical investments based on their performance and ethical credentials. 

You can see the overall best performing ISA funds in July 2021 in the summaries below.

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Recent News

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The best ISA rates this week 22.07.21

22nd July 2021

Changes within the ISA charts have slowed down this week, but providers have continued to raise rates which has resulted in new higher rates being available in both the two and one year fixed ISA charts

Changes within the ISA charts have slowed down this week.

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How to help your grandchildren save for a house deposit

22nd July 2021

It has become common for aspiring homeowners to turn to the bank of mum and dad to realise their dream of owning their first home

It has become common for aspiring homeowners to turn to the bank of mum and dad to realise their dream of owning their first home

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Moneyfacts Weekly Product News – 22.07.21

22nd July 2021

The Moneyfacts.co.uk Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market

The Moneyfacts.co.uk Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market

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Nationwide becomes first lender to launch a sub-1% five year mortgage deal

21st July 2021

Nationwide Building Society has become the first mortgage lender to launch a sub-1% five year fixed rate mortgage deal

Nationwide Building Society has become the first mortgage lender to launch a sub-1% five year fixed rate mortgage deal

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What are the best ISA investment funds in July 2021?

22nd July 2021

Stock markets have dropped sharply at the beginning of the week, with early signs of recovery. Find out those investment ISAs that performed best to 1 July 2021.

Find out those investment ISAs that performed best to 1 July 2021.

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The best savings rates this week 23.07.21

23rd July 2021

Banks and building societies have continued to launch new savings accounts and increase rates this week, most notably Coventry Building Society which now tops the easy access savings chart with its recently launched Limited Access Saver (Online) (5)

Banks and building societies have continued to launch new savings accounts and increase rates this week, most notably Coventry Building Society

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Two and five year mortgage rates hit historic lows

11th May 2020

Although the number of mortgage deals have almost halved since March, the average mortgage rates on two and five-year fixed deals have hit historic lows

Although the number of mortgage deals have almost halved since March, the average mortgage rates on two and five-year fixed deals have hit historic lows

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Glimmer of saving recovery as rates see slight rise

19th July 2021

Average saving rates across all charts except notice ISAs have increased month-on-month, with challenger banks boosting competition within the savings market

Average saving rates across all charts except notice ISAs have increased month-on-month, with challenger banks boosting competition within the savings market

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Our Team of Specialists

Michelle Monck
Consumer Finance Expert
Derin Clark
Online Reporter
Rachel Thrussell
Savings Analytics Manager
Darren Cook
Mortgage Analytics Manager
Rachel Springall
Finance Expert & Press Officer
Finance Expert & Press Officer

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