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IMPACT INVESTING • ESG • SOCIALLY RESPONSIBLE INVESTING
To keep things straight, at Citizen Mint we distinguish between the three main types of “sustainability” investing as follows:
Socially Responsible Investing (SRI):
This is perhaps the easiest and most subjective approach. Simply put, you avoid investments you think will cause damage to society or the environment. Exclusion of cigarette and alcohol producers, nuclear power operators, weapons manufacturing, fossil-fuel producers and distributors is quite common. However, for SRI to have impact, the majority of investors must agree which companies to avoid and that has not yet happened. When you sell the shares of a polluting utility, for example, someone else is likely to step in and buy it.
Widely accepted guidelines and criteria on environmental, social and corporate governance best practices are used to analyze investments, usually in the public markets, in addition to traditional performance measures. The goal: to invest in companies striving to do what’s best for all their stakeholders — employees, customers, local communities and owners/shareholders, while also limiting negative impact on society and the environment. Few companies score highly on all three factors — the E, S and the G. But the effort of rating helps to hold companies accountable, so ESG investing has and will continue to be a major force toward positive change. However, ESG is more about how companies behave than the output of beneficial goods or services.
Here, the focus is on specific investment opportunities, often in the private markets, that aim to a solve an environmental or social challenge, materially, measurably and intentionally while also providing a profit. Impact investments tend to be more targeted and seek to address very specific needs or challenges. That said, we recognize that many of these needs and challenges are interrelated.
Each impact investment we research and put on the Citizen Mint platform is evaluated using key performance indicators (KPIs) to track the project and its progress toward stated goals. Examples of project-based metrics include:
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*Financial projections or returns displayed on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results.
Disclosures: No communication by Citizen Mint Inc. or any of its affiliates (collectively, “Citizen Mint”), through this website or any other medium, should be construed or is intended to be a recommendation to purchase, sell or hold any security or otherwise to be investment, tax, financial, accounting, legal, regulatory or compliance advice. Nothing on this website is intended as an offer to extend credit, an offer to purchase or sell securities or a solicitation of any securities transaction.
Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. In addition, other financial metrics and calculations shown on the website (including amounts of principal and interest repaid) have not been independently verified or audited and may differ from the actual financial metrics and calculations for any investment, which are contained in the investors’ portfolios. Any investment information contained herein has been secured from sources that Citizen Mint believes are reliable, but we make no representations or warranties as to the accuracy of such information and accept no liability therefor.
Private placement investments are NOT bank deposits (and thus NOT insured by the FDIC or by any other federal governmental agency), are NOT guaranteed by Citizen Mint or any other party, and MAY lose value. Neither the Securities and Exchange Commission nor any federal or state securities commission or regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by or through the website. Investors must be able to afford the loss of their entire investment.
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