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Lynne Ford

Lynne Ford. Executive Vice President. Executive Vice President, Calvert Investment Distributors. Power your practice. Harnessing Women’s affinity for sustainability to grow your business. WOMEN =. more. 60 %. degrees. 8 5 %. of the purchasing decisions. 4 4 %. n ew small businesses.

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Lynne Ford

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  1. Lynne Ford Executive Vice President • Executive Vice President, Calvert Investment Distributors

  2. Power your practice Harnessing Women’s affinity for sustainability to grow your business

  3. WOMEN= more

  4. 60% degrees

  5. 85% of the purchasing decisions

  6. 44% new small businesses

  7. The challenge • Women are underserved by financial advisors • Sources: Leveling the Playing Field: Upgrading the Wealth Management Experience for Women, The Boston Consulting Group, July 2010; • Allianz Life Insurance Company report, Women, Money and Power, 2007 and 2008 studies and Forbes, 2010 70% 84% 80% Married women who FIRE their investment advisor within one year of their husband’s death... Women who feel MISUNDERSTOOD by investment marketers… Women who will be responsible for their OWN DECISIONS…

  8. Sustainability –key to the advisor of the future FOR BROKER/DEALER USE ONLY. NOT FOR PUBLIC DISTRIBUTION.

  9. What is sustainable & Responsible investing? • Going beyond traditional financial analysis FINANCIAL FACTORS ENVIRONMENT SOCIAL GOVERANCE ADVOCACY & COMMUNITY INVESTMENT

  10. Why do women respond positively to sustainable & Responsible investing? • They are literally “wired” for it!z • Female Brain(connections across hemispheres) • Image source: The Independent, Dec.3, 2013 “The hardwired difference between male and female brains could explain why men are 'better at map reading‘ by Science editor Steve Connor. • Male Brain(connections front to back)

  11. How these differences can play out • Noting subtle differences in how you interact with your female clients can make all the difference… • Adapted from “The Difference Between Men and Women,” by Candace Bahr and Ginita Wall (www.wife.org)

  12. Sustainability is a priority for investors • Women are more tuned into SRI/ESG factors than men • 1 The Spectrem Group. • 2 2013 U.S. Trust survey conducted by independent research firm Phoenix Marketing International, March 2013. Survey of HNW investors Number of female HNW investors GREW 68%1 Number of male HNW investors GREW36%1 65% 42% HNW men who care about SRI principles2 HNW women who careabout SRI principles2

  13. Younger investors are highly receptive • For investors 35 years or younger… • Source: Calvert National Brand Health Study, 2013 2x • Familiarity with SRI is nearly double • more likely to have researched/ inquired/considered SRI mutual funds 60% • More likely to have discussed SRI with family and friends 3x • more likely to believe that SRI is gaining greater acceptance among investors 70% • More than twice as likely to invest in SRI 2x

  14. It’s time to take another look at sri • Meeting client needs is the new job description Then Now

  15. A spectrum of approaches • Opportunities for performance and impact • Source: Evolution of an Impact Portfolio – Sonen Capital 2013. *ESG – Environmental, Social & Governance Factors. **PRI – Program-related investments available to US investors as defined by the Tax Reform Act of 1969. 12. The Impact Investing Spectrum has been adapted from the Spectrum of Capital, produced by Clara Barby of Bridges Ventures. IMPACT INVESTING SPECTRUM12 REPSONSIBLE SUSTAINABLE THEMATIC IMPACT FIRST Maximum Impact Solution ESG Opportunities CLASSICINVESTING PHILANTHROPY ESG* Risk Management Competitive Returns Consideration of ESG risk &/or personal values acrossa range of factors to screen out investments Targeting investments best positioned to benefit from integration of ESG factors & broad-based macro trends Focus on issue areas where social or environmental needs offer commercial growth opportunities for market rate return Emphasis on the optimization of social or environmental needs, which may result in financial trade off Emphasis on maximization without regard for ESG factors Where social &/or environmental needs outweigh any consideration for financial return

  16. SRI is growing rapidly • Institutional investors are leading the way • Source: Report on Sustainable and Responsible Investing Trends in the United States, 2012. Forum for Sustainable and Responsible Investing. SUSTAINABLE AND RESPONSIBLE INVESTMENTS IN THE U.S. $3.10 trillion $3.74 trillion } 22% increase 2010 2011 $1 $8 under professional management is invested according to SRI principles. out of

  17. Are you a performance skeptic? • Your clients aren’t • Source: Calvert National Brand Health Study, 2013 • REASONS FOR CHOOSING SRI: Opportunity for strong investment performance Diversity of the portfolio

  18. Who is Succeeding using sustainability? • Advisor business profile • Learn more. Visit www.GatewaystoImpact.org. • Advisors “most likely” to be interested or engaged in sustainable investments: • Female • 3-10 years of tenure • Have advanced certifications (e.g. CIMA, CFP, CFA) • Affiliated with nationally registered RIA firms • Average AUM per client is $1-$10 million

  19. Why partner with calvert FOR BROKER/DEALER USE ONLY. NOT FOR PUBLIC DISTRIBUTION.

  20. We are a pioneer in SRI Launched our first SRI strategy in 1982 Broad array of SRI strategies available to your clients One of the industry’s largest sustainability research groups The only SRI manager that offers wholesaler support Active in corporate engagement and shareholder advocacy Making a positive impact through community investment

  21. Women want authentic impact, not pink-washing • Investing with Calvert means investing in women.TM • Woman led organization (CEO + 4 of 7 in the C-Suite) • Calvert Women’s Principles® – celebrating 10 years in 2014 • Most shareholder resolutions filed on diversity (60 in 10 years) • Involvement in women’s empowerment organizations • Strong ties to the community

  22. conclusions • The future favors the prepared advisor 1 2 3 Sustainability (or SRI) can be a powerful way to connect with women – and grow your business The women’s market continues to grow in its importance to the future of the financial advisory practice Calvert offers unparalleled SRI leadership in helping you create powerful client/advisor partnerships

  23. Single most important thing: Just ASK • Advisors and clients are like two ships passing in the night… • Source: Calvert National Brand Health Study, 2013 82% Advisors: Waiting for clients to ask 72% Investors: Waiting for advisors to offer

  24. Investment Solutions Anthony Eames • Senior Vice President, Calvert Investment Distributors

  25. Calvert Global Water Fund

  26. Why THE water Sector BROKER-DEALER/INSTITUTIONAL USE ONLY.  NOT FOR PUBLIC DISTRIBUTION.

  27. Water HAS STRONGEST 10-year, risk-adjusted returns • Source: Zephyr. Data as of 12/31/13. • Index performance does not represent fund performance, and the performance of the fund may differ significantly from that of an index. Index returns are for illustrative purposes only and do not represent actual performance of Calvert Global Water Fund. Performance during certain periods reflects strong market performance that is not typical and may not be repeated. Past performance does not predict future results. Standard deviation is a statistical measure of the historical variability of an investment’s returns. A standard deviation of “1” means an investment can be expected to produce an annual return that is plus or minus 1% of its average annual return 66% of the time. Standard deviation is one measure of a investment’s risk. Indexes are unmanaged and it is not possible to directly invest in an index. BROKER-DEALER/INSTITUTIONAL USE ONLY.  NOT FOR PUBLIC DISTRIBUTION.

  28. Summary • Calvert Investments • Water Sector • Calvert Global Water Fund (CFWAX) • Has offered: • Strong risk/reward • Industry insight • Active management & sustainability research • More demand than supply • Technological innovations • Evolving regulatory landscape • Sustainability as a platform to create value • Offers depth of research and unique perspectives from investment management and sustainability teams BROKER-DEALER/INSTITUTIONAL USE ONLY.  NOT FOR PUBLIC DISTRIBUTION.

  29. Calvert High-Yield bond Fund

  30. The portfolio value of high-yield bonds • Long-Term Opportunities, Beyond Income • *Source: Morningstar • **Source: Barclays • ≈8% • Competitive Total Returns • Enhanced Portfolio Diversification • Average annualized total return over past 20 years* • High-yield bonds and domestic equities • High-yield bonds tend to be less sensitive to interest-rate changes than other fixed-income assets. • Negatively correlated to Treasuries over the 10years** • past Data for periods ended 12/31/2012. BROKER-DEALER/INSTITUTIONAL USE ONLY.  NOT FOR PUBLIC DISTRIBUTION.

  31. Attractive Risk/Reward Profile • The Fund has delivered more return per unit of risk—as measured by the Sharpe Ratio—than the Index or the category average. • For the three-year period ended 12/31/2013. • Source Morningstar. The Sharpe Ratio uses standard deviation and excess return to determine reward per unit of risk. Results for Calvert High Yield Bond Fund represent the performance of Class A Shares at NAV. The performance would have been lower if the Class A sales charges were deducted. BofA Merrill Lynch US High Yield Master II Index Calvert High Yield Bond Fund Morningstar High YieldBond Category BROKER-DEALER/INSTITUTIONAL USE ONLY.  NOT FOR PUBLIC DISTRIBUTION.

  32. Summary • CalvertInvestments • High-Yield Bonds • Calvert High Yield Bond Fund(CYBAX) • Has offered: • Strong downside protection • Consistently higher total returns that its peers, over time • Attractive risk/reward profile • Offer potential: • Long-term benefits, beyond income-Total return -Diversification • Current opportunities-High demand -High yields -Low default rates • Uses sustainability as a platform to create value • Offers depth of research and unique perspectives from investment management and sustainability teams BROKER-DEALER/INSTITUTIONAL USE ONLY.  NOT FOR PUBLIC DISTRIBUTION.

  33. CALVERT WHOLESALE DISTRIBUTION 800.368.2750 For internal personnel press “4” and the 5-digit ext. Management Lynne Ford, Executive Vice President Anthony Eames, Senior Vice President Amy Mathis, Director,Relationship Manager Darryl Keeton, Director, Internal Sales 4550 Montgomery Avenue, Bethesda, MD 20814 www.calvert.com

  34. Strategies for Success Amy Blodgett, CFP, MBA • Boom Planning • Managing Partner • 20/20 Financial Advisers, San Francisco

  35. Add values to the information you gather from clients • Broaden the conversation. Great ways to engage her… Is it important that your investments reflect your values? I just learned more about SRI; it may appeal to you… Did you know you can invest toward solving global challenges? What are your pressing concernsright now? How do your beliefs affect the decisions you make? What kind of legacy do you hopeto leave?

  36. THANK YOU • www.Calvert.com800.368.2750 (sales desk) Calvert Investment Management, Inc. 4550 Montgomery Avenue, Bethesda, MD 20814

  37. Disclosure • Investing involves risk, including possible loss of principal invested. • Investment advisory services offered by Calvert Investment Management, Inc. • Calvert mutual funds are underwritten and distributed by Calvert Investment Distributors, Inc., member, FINRA, and subsidiary of Calvert Investments, Inc. • For more information on any Calvert fund, please contact Calvert at 800.368.2748 for a free summary prospectus and/or prospectus. An investor should consider the investment objectives, risks, charges, and expenses of an investment carefully before investing. The summary prospectus and prospectus contain this and other information. Read them carefully before you invest or send money. #13884 (04/2014)

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