Ethical Investing
Ethical Investing Advice in Sutherland Shire
Australians are increasingly choosing investments that exclude harmful industries and back sustainable ones. I help locals in the Sutherland Shire and Greater Sydney create ethical portfolios that meet both personal values and financial goals, without falling for greenwashing or sacrificing long-term returns.
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Not Sure Where to Start with Ethical Investing?
Terms like ESG, sustainability, and responsible investing are everywhere, but the details differ across funds, shares, and super. One meeting with me cuts through the confusion: we map out clear options for investing ethically while keeping risk, returns, and tax efficiency in check.
What Ethical Investing Advice Do I Offer?
Setting Your Values
We list the industries you want to avoid, such as gambling or weapons, and those you want to support. That list becomes the screen every investment in your portfolio has to pass.
Ethical Funds vs ETFs
Two funds with the same ethical label can hold different companies and charge different fees. I check each fund’s screens, holdings, fees, and performance so you know what you’re buying.
Direct Ethical Shares
Owning individual shares lets you choose each company yourself instead of accepting a fund’s list. I build a portfolio of shares that meet your standards, alongside or in place of an ethical fund.
Diversification
Ethical portfolios can end up heavy in one sector, such as renewables or technology. I spread your money across sectors and countries so a fall in one area doesn’t drag down the whole portfolio.
Tax-Effective Structure
Where you hold ethical investments, inside super or in your own name, changes the tax on income and gains. I plan where each holding sits and when to sell to manage capital gains tax.
Spotting Greenwashing
ASIC has taken fund managers and super funds to court over ethical claims that did not match their holdings. I check each fund’s holdings against its stated exclusions before you invest.
Personalised Plans | No External Influence | No Templates
Why Do Clients Choose Me for Ethical Investing Advice?
Get understandable, unbiased advice on perplexing financial scenarios. Here is why you might enjoy working together:
Completely and Fiercely Independent
I own my business. I don’t work for a bank or a corporate entity. That means no product quotas to hit and no boss telling me what to recommend. My advice is focused entirely on your goals, values, and the life you want to live.
Work With One Person Throughout
Big firms swap advisers around every few years. If you choose to work with me, you won’t have to re-explain your life to a new person every time you book an appointment. I’ll still be the one in your corner ten years from now.
Explanations in Simple English
Super rules and tax options are confusing and unexciting to non-financial people. With words and a whiteboard, you will see, and not just hear, where you are today and how you’ll get to where you want to be.
Easy to Reach, Quick to Respond
“Call the office and leave a message” isn’t how anyone wants to reach their adviser. You won’t have to leave messages with the front desk or wait days for a reply. Stay in touch with me through text, email, or in person.
Honest Answers from Day Zero
If I can help you, I’ll tell you how straight up without a sales pitch or the pressure of obligation. If I’m not the right person for what you need, I’ll tell you that too and point you toward someone who is.
Locations
Suburbs
I’m based in Caringbah and opening a second practice in Inner West. Most of the people I work with live right here in the Shire or Inner West. If you’re nearby, chances are I already have clients where you live or work, which makes it easy to catch up in person when you need to.
Sutherland Shire
- Alfords Point
- Audley
- Bangor
- Barden Ridge
- Bonnet Bay
- Bundeena
- Burraneer
- Caringbah
- Caringbah South
- Caravan Head
- Como
- Como West
- Cronulla
- Dolans Bay
- Engadine
- Grays Point
- Greenhills Beach
- Gundamaian
- Gymea
- Gymea Bay
- Heathcote
- Illawong
- Jannali
- Kangaroo Point
- Kareela
- Kirrawee
- Kurnell
- Lilli Pilli
- Loftus
- Lucas Heights
- Maianbar
- Menai
- Miranda
- Oyster Bay
- Port Hacking
- Royal National Park
- Sandy Point
- Sutherland
- Sylvania Heights
- Sylvania Waters
- Taren Point
- Warumbul
- Waterfall
- Woolooware
- Woronora
- Woronora Dam
- Woronora Heights
- Yarrawarrah
- Yowie Bay
Inner West
- Alexandria
- Annandale
- Ashbury
- Ashfield
- Balmain
- Balmain East
- Birchgrove
- Camperdown
- Croydon
- Croydon Park
- Dulwich Hill
- Earlwood
- Enmore
- Erskineville
- Forest Lodge
- Glebe
- Haberfield
- Hurlstone Park
- Leichhardt
- Lewisham
- Lilyfield
- Marrickville
- Newtown
- Petersham
- Rozelle
- St Peters
- Stanmore
- Summer Hill
- Sydenham
- Tempe
If you don’t see your suburb listed, that doesn’t rule you out because I also work with clients across Sydney and the CBD who prefer an adviser close to home in the Shire or Inner West.
Put Your Investments to Work, Ethically and Effectively
Ethical investing is about backing industries you believe in as well as structuring a portfolio that performs while staying true to your values. The sooner you get the settings right, the sooner your money can deliver returns you’re proud of.
Questions
Ethical Investing FAQs
Ethical investing chooses investments using environmental, social, and governance (ESG) criteria (opens in a new tab) as well as financial ones. It can mean excluding industries, favouring companies with strong practices, or both. I build those preferences into a portfolio that still suits your risk profile and retirement goals.
Some ethical funds have matched or beaten their benchmarks over long periods, and some have lagged. Excluding sectors means your returns will differ from the broad market, in both directions. Past performance is not a reliable indicator of future returns. I compare each fund’s performance against its benchmark and its fees before recommending it.
Negative screens exclude industries such as fossil fuels, tobacco, gambling, and weapons. They can also exclude companies with poor labour or environmental records. Positive screens favour sectors such as renewable energy and healthcare, or companies leading on sustainability. Funds apply these differently, so I check how each one defines its screens.
Yes. Many super funds offer an ethical or sustainable investment option, and you can switch within your existing fund. An SMSF or an account-based pension can hold ethical investments too. I check the option’s holdings and fees, and how it fits your retirement income.
Some ethical funds charge more because of screening and active management. Others, including some ethical ETFs, charge low fees. I compare each fund’s annual fees and costs over the time you’ll hold it.
Not automatically. Companies with strong ESG practices (opens in a new tab) may face fewer fines and scandals. But excluding whole sectors can make a portfolio less diversified. I balance ethical holdings with defensive assets such as bonds and cash.
Yes. An SMSF can hold ESG-focused funds (opens in a new tab), ETFs, or direct shares, provided they fit the fund’s investment strategy. Under Regulation 4.09 (opens in a new tab) of the Superannuation Industry (Supervision) Regulations 1994 (opens in a new tab), trustees must formulate that strategy, give effect to it, and review it regularly. I help write a strategy that covers your ethical aims and your duties as a trustee.
Ethical investments are taxed like any other investment. Dividends and distributions are taxable income (opens in a new tab), franking credits (opens in a new tab) may apply, and capital gains tax applies when you sell (opens in a new tab). Inside super, earnings are taxed at up to 15% while you build your balance, and 0% in retirement phase up to the transfer balance cap.
Start by listing what you want to avoid and what you want to support. Then check what your super and existing investments already hold. I turn your list into a diversified portfolio and test it against your goals.