Lane Financial in Melbourne, Victoria, Australia | Financial service

Lane Financial

Locality: Melbourne, Victoria, Australia

Phone: +61 3 9761 0818

Address: 4/367 Forest Road, The Basin 3154 Melbourne, VIC, Australia

Website: http://lanefinancial.com.au

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25.01.2022 Thanks Lyne, we appreciate your review!

24.01.2022 The economic impact of the COVID-19 pandemic is playing havoc with finances for many households. In an ideal world, the financial boosts from the government should be enough and assumes that everyone was financially prepared for tough times. But in times of crisis, it can all be very overwhelming. Follow the link to our website for 5 common financial mistakes to avoid during a crisis, to help you get to the other side with minimal money stress https://lanefinancial.com.au/5-common-financial-mistakes-t/

23.01.2022 Financial abuse can happen to anyone and is often labeled the ‘hidden abuse’ as even the victim may not be aware they are being abused. We recently participated in training to help us spot financial abuse and empower our clients. Financial abuse can include withholding money, controlling all the household spending and not including the victim in financial decisions. It often begins with subtle conduct, and progresses over time. Common examples are: a victim is given an allo...wance when not earning an income due to being the primary caregiver of children, instead of having equal access to funds. a victim is told they ‘are no good with money’ and are shut out of financial decisions. a double standard when it comes to spending, the victim’s spending is budgeted while their partner spends freely. the victim has limited access to the overall financial picture as a couple. the victim not knowing what debts are in their name, like business overdrafts attached to the house without consent. a victim being asked to sign financial documents without full understanding. A quick assessment that can be used to assess risk is - can this person access the money needed quickly in an emergency? In most partnerships, one person will take on the role of leader in different areas, for e.g. one person may plan meals, one person may garden more, and the same goes for finances - one person may take on a role as leader, this is not financial abuse. Financial abuse, like other family violence is very gendered. Unfortunately women have poorer economic outcomes - lower levels of pay, lower levels of retirement savings and higher levels of financial stress. Paid vs unpaid work is still unbalanced between men and women in Australia. Financial abuse can leave victims with reduced feelings of financial confidence, and the lack of resources makes leaving challenging, which can trap and control the victim. If you need support to develop your financial literacy, we offer workshops, confidentially with no charge. Please contact [email protected] 1800RESPECT has resources ready to help if you or someone you know is a victim of financial abuse.

22.01.2022 Thanks for your review Allan, we appreciate it!

22.01.2022 For some people, risk means excitement and opportunity. For others, it invokes feelings of fear and discomfort. Everyone has a risk profile that defines their willingness to accept risk. It’s usually shaped by age, lifestyle and goals and is likely to change over time. Investment risk is about tolerating the potential for losses, the ability to withstand market movements and the inability to predict what’s ahead. In financial terms, risk is the chance that an outcome will dif...fer from the expected outcome or return. As an investor, you should have a good understanding of your attitude towards risk. If you take on too much risk, you might panic and sell at a bad time. But if you don’t expose yourself to enough risk, you may be disappointed with your returns and potentially unable achieve your objectives. How do we work out your risk appetite? Generally speaking, your age, income and investment objectives all help determine your risk profile. Follow the link to our website to read the full article with details about the factors that contribute to your risk profile https://lanefinancial.com.au/what-is-risk-appetite/

21.01.2022 Month 3 Set an achievable goal. The challenge this month is to set a financial goal and write it down! Reaching goals is crucial to the feeling of wellbeing and motivates you to continue and to set more.... Some examples of goals could be: A month without spending money on takeaway. Making a plan to pay off your credit card by a target date. Putting a set amount of money aside each pay ready for Christmas. Save $1000 to begin investing. Write a weekly meal plan so you spend less on food shopping each week. Putting aside a set amount of money each week for a weekend away once restrictions are lifted. Following the SMART goal model can help you to set achievable goals, they are: Specific - Well defined and clear. Measurable - With specific criteria that measure your progress. Achievable - Attainable and not impossible to achieve. Relevant - Relevant to your overall life goals. Timely - With a clearly defined timeline, including a starting date and a target date. We’re excited to hear your goals, message us with them and we’ll contact you at your target date to see how you went!

20.01.2022 Recently we have been hearing more about credit scores in Australia, this is due to an updated system that lenders can now access to learn about your credit history, called Comprehensive Credit Reporting. Your credit score is a rating that indicates how well you manage your financial obligations and debts. It is used by lenders to decide whether to give you credit or lend you money. In the past, lenders were only able to find out some information about your credit history, l...ike payment defaults, bankruptcies and court orders and judgements. In 2014, the government brought in changes so more information is included, like whether you have a mortgage, your mortgage repayment history, your credit card limit and repayment history, and repayment history on car loans and personal loans. It took them six years, but finally the big four banks have uploaded all their mortgage data to the system and lenders are now able to use this information to determine your suitability for a loan and whether they can rely on you to pay them back. You can keep you credit report healthy by paying your bills, credit card, and loan repayments on time. You can also reduce credit card limits and keep your applications for credit to a minimum. Your credit score is calculated based on what's in your credit report. Depending on the credit reporting agency, your score will be between zero and either 1,000 or 1,200. The score relates to a five-point scale - excellent, very good, good, average and below average. This helps a lender work out how risky it is for them to loan money to you. Lenders will look at the score but mainly focus on the entire report. You have the right to access your credit score and credit report for free, and it is recommended to do so once a year.

20.01.2022 Did you know that the ‘Bank of Mum and Dad’ is Australia’s ninth-largest residential mortgage lender? The ‘Bank of Mum and Dad’ has around $34 billion in loans, these parental contributions are averaging $89,000, which has increased almost 20% in the last year. Parents are also increasingly allowing their children to use the equity in their homes to cover deposits.... Would you consider gifting a deposit or going guarantor for your children?

20.01.2022 THE WEEKLY WRAP UP: The ASX rose 1.7pc this week. The final trading session on Friday saw a 1.5pc gain driven by the banks. The Banks share price surged on Friday after Treasurer Josh Frydenberg made an unexpected announcement to relax responsible lending regulations. If passed, the changes will increase the flow of credit, creating a shift from ‘lender beware’ back towards traditional ‘borrower beware’. There was talk of a further rate cut this week with NAB, Westpac a...nd AMP forecasting an October rate reduction. Westpac received the largest corporate penalty in Australia’s history, a $1.3b fine for its failure to regulate its anti-money laundering systems from 2011 to 2019. Shockingly this not only includes money laundering from criminal organisations, but also includes suspicious activity for 262 paedophiles or people suspected of child exploitation transfering money overseas. See more

19.01.2022 For our September property update, follow the link to the article on our website https://lanefinancial.com.au/welcome-to-our-september-news/

19.01.2022 There are a number of home loan sign up incentives on the market this month. Some are cash back offers, and there are also discounted interest rates and sign-up rewards like gift vouchers. There are currently 27 lenders offering cash back incentives which is over double the amount before the pandemic began. We’ve collated some of the current cash back offers available from a range of providers, for $250k min loans: Bank of Melb - $4,000 cash back Westpac - $2,000 cash back... NAB - $2,000 cash back CBA - $2,000 cash back Suncorp - $2,000 cash back While these offers are great, there are still many other important factors that need to be considered before applying for a loan or refinancing - the interest rate, fees and features for a start. Remember to work with a finance broker, as unlike banks, we have no bias and give you a good overall picture of which home loan will offer you best value. Get in touch, we’re here to help!

19.01.2022 Introducing ourselves to our new online community members We are currently working from home & meeting with clients online, but are looking forward to getting back into our office to share a face to face chat and a coffee, when it’s possible. After lockdown, we are also excited to introduce Rose Waring, our new Client Service Manager, who joined the team in mid 2020, and has been essential in keeping our processes running smoothly!... DANIEL LANE Founder Director Daniel has worked in the financial sector for 18 years, beginning his career as a Financial Advisor, later expanding his qualifications to Finance Broking. Daniel founded Lane Financial in 2013, building a team of financial experts who take a holistic approach to helping people reach their goals. Daniel loves getting to know his clients, really listening to their story and goals, then working with his team to get them there. He aims to demystify the process and clients appreciate his down-to-earth approach. Daniel is passionate about problem solving and working through complex scenarios for his clients. Daniel enjoys spending time with his young family, when he isn’t working, you’ll find him in the bush or at the beach running after a toddler! MORGAN COLLINS Financial Advisor Morgan began his career in the financial sector as a client services officer, developing a knack for strategic and technical advice, and running his own paraplanning company. He then moved into Financial Advising full time at one of Australia's most prestigious private wealth firms. Morgan decided to pursue his passion for helping everyday people, which led him to Lane Financial in 2018. Morgan likes to find out what makes his clients really tick, working with them and ensuring that the financial advice and plan he presents is clear, avoiding jargon and unnecessary complexities where possible. When he's not working, Morgan enjoys travelling to remote spots with his family, packing some lunch and getting away from it all! OWEN MILLWOOD Finance Broker Owen has over 10 years experience in finance at NAB, he began his career in business banking after graduating from Monash University. Owen joined the team at Lane Financial in early 2020, excited by the opportunity to share his expertise with LF clients and to have the freedom to use any lender. Clients appreciate Owen’s ability to really get to know their unique situation, then work with them to find the best finance solution. He uses his extensive lending experience and knowledge of each lender to find the perfect fit for his client’s individual circumstances. Owen loves local footy, watching his kids play sport and is a long-suffering St.Kilda supporter!

16.01.2022 If you have any questions about what’s available to you - reach out, we’re happy to help!

16.01.2022 THE WEEKLY WRAP UP: - Afterpay has had an average of 20,500 new customers per day during the pandemic. The buy now pay later company has doubled its active customer base to 9.9m over the last 12 months. The company announced on Thursday its full year revenue was up 97% to $519 million. Troublingly, $69 million came from late fees, which raises the question - If you have to Afterpay it, can you really afford it? - ASIC again raised concerns over the influx of inexperienced inv...estors activating new trading accounts. The June quarter recorded twice the normal pre-pandemic rate. Speculative investing into small cap stocks in order to achieve short term gains is one of ASICs main concerns. - ASX finished the week down 0.6%, dropping 1pc on Friday as the final week of reporting season disappointed. - US stockmarket hit recorded highs this week driven again by tech stocks. Salesforce gained 26.8 percent. - Harvey Norman has a seen a boom in sales in July and August, as well as recording record sales and profits for the 2020 financial year. It is thought that they have thrived through the pandemic due to shoppers decking out home offices and buying chest freezers. - The pandemic has seen an increased demand for Victorian regional properties as Melbournians seek sea and tree changes, as well as space and affordable housing. Geelong and the Bellarine Peninsula being amongst Victoria’s most in demand areas. - It has been a challenging week for many people, with power outages, contaminated water, fallen trees, on top of the stresses of the pandemic. Please remember we are here to chat. We hope our local community enjoyed our coffees at Chocolate Dragonfly this week See more

16.01.2022 THE WEEKLY WRAP-UP: The ASX has had it’s third weekly rise, putting the market on track for a one-month gain that will exceed the rebound we had in April. The Commonwealth Bank has had its best week in years, jumping 9.4pc to end the week at $80 a share. It hasn't gained this much in a week since the depths of the GFC when it rallied 12.4pc in March 2009. NAB, ANZ & Westpac also rallied, showing us the optimism in the market for an Australian economic recovery.... Investors were choosing Australian stocks this week, as the outlook elsewhere darkens. We don’t know how long a recovery could take for the US and Europe who are battling an alarming rate of Covid-19 cases. The housing market rebound has stepped up another notch, with clearance rates remaining above 75% in Sydney and Melbourne. The median auction price in Melbourne this week was $990,000. With the pandemic disrupting the property market this year, the pent-up demand is leading to an extended spring market.

16.01.2022 For many of us, getting a financial boost will be even more welcome this year, and you might be looking for the best ways to use your tax refund. For simple actions and ideas to consider, follow the link to our website https://lanefinancial.com.au/some-ways-to-use-your-tax-ref/

15.01.2022 Happy Easter from LF

15.01.2022 Our March property update is live on our website, follow the link https://lanefinancial.com.au/march-property-update/

15.01.2022 THE WEEKLY WRAP-UP: Bitcoin’s price has jumped 7pc in Aus over the weekend, to a record high of $US61,556. The price is up 22pc this week. The ASX recorded a gain this week, 0.8pc, travel companies led the pack due to the government’s stimulus plan.... Hobart, Adelaide, Darwin and Townsville are on the government’s list of travel destinations for half-price flights between April and July. The current cap is 800,000 tickets. The national auction clearance rate was 83.2% this weekend, with a total of 2232 auctions listed. The building industry will get a final HomeBuilder boost in March. To qualify for the scheme projects have to start within six months of a contract being signed. The weekly tip: You can access your credit score and credit report for free, and it is recommended to do so once a year. Check for any defaults or late payments and follow up any errors with your credit provider.

15.01.2022 Thanks for your review Pete and Steph. We appreciate it!

14.01.2022 Thanks Keith, we appreciate your review!

14.01.2022 It has been an exciting past month in the property world, with the housing recovery continuing to gather momentum. Follow the link for our November property update https://lanefinancial.com.au/november-property-update/

14.01.2022 THE WEEKLY WRAP UP: The ASX ended the week down 1.1pc, its fourth weekly loss in a row, the longest losing streak since March. Tech & energy stocks lead the losses. Origin energy was down 12pc. Hostplus reported that 38,000 of their member funds have been completely drained during the early release scheme. Hostplus would usually make 2,500 hardship payments a year, but the fund has processed more than 387,000 applications with $2.8b paid this year. US tech heavy Nasdaq ...index down 4pc for the week. Facebook, Amazon, Apple, Microsoft, Tesla, Netflix and Google’s parent company Alphabet were all significantly down. Tesla took a massive hit of 21pc. AMP has been sacked as ethical investment manager for QSuper over its handling of sexual harassment complaints against senior execs. AMP ran the $400m ethical portfolio on behalf of QLD’s public sector fund. QSuper also report concerns that AMP did not do enough to ensure that investments resulted in positive social & environmental impact. Rio Tinto boss will be replaced due to investor & public condemnation over the blasting of the ancient Juukan Gorge rock shelters despite the opposition of traditional owners. The caves were one of our most significant archaeological sites & had shown evidence of habitation dating back 46,000 yrs. Look out next week as we share more info on Ethical Investment and Super choices See more

14.01.2022 Thanks for your review Dipti! Happy to help you get into your new home!

13.01.2022 Some cryptocurrencies have experienced a surge in value (and interest) since the pandemic. However, there’s a long way to go before it becomes clear how to determine their fundamental value. Some of the figures related to cryptocurrency are stunning both the gains and losses and some investors have seen very good gains after buying in early on. However, there remain some fundamental risks and considerations: Value: This is the thing which, in our view, remains a biting is...sue for cryptocurrency: it’s very hard to value. It’s not like shares, like copper, like cash we still don’t wholly know what drives its value over a long period of time. Income: Although some may claim otherwise with the use of a bit of fancy financial engineering, Bitcoin and other cryptocurrencies do not generate income directly. That also makes it hard to value them and adds to the potential for speculative booms and busts. Supply: When taken together, the supply of cryptocurrencies is unlimited. This makes them less reliable than traditional paper money in advanced nations, where supply is managed. Stability: We can be reasonably confident that the A$50 we carry in our wallet or purse today will roughly hold its value by the time we spend it. So far, the same can’t be said of some popular cryptocurrencies which go up with gusto but also come down sharply at times making it very hard to know what buying power they have. That said, it’s clear digital currency does have a future, especially when you start to see central banks and major financial institutions taking an interest. However, it’s hard to know what form that will take. As with everything related to markets, we think it remains important to turn down the noise, consider the investment fundamentals and make sure you fully understand what you are getting into before joining a growing investment crowd. Source: Economist, Dr Shane Oliver

12.01.2022 Many clients ask us whether it’s better to invest in property or shares. There is actually no right or wrong answer. It all comes down to your preferences and approach to risk. Shares and property are both considered to be growth investments. In other words, over time, a quality investment in shares or a property could generate capital growth and also produce income from rent (property) and dividends (shares). Follow the link for the pros and cons for both property and shares https://lanefinancial.com.au/property-investment-vs-shares/

10.01.2022 We planted 90 native grasses around the office over the weekend. A representative from Gardens for Wildlife - Knox visited to help us choose the best species for the area. Soon we will plant a larger area at the back of the office too. We hope to add to The Basin’s habitat for small birds and insects. KES Knox Environment Society

09.01.2022 Thanks for your review Trav, we really appreciate it!

09.01.2022 THE WEEKLY WRAP-UP: The JobKeeper scheme ends today. The spotlight is on big companies who actually grew their profits, but are refusing to pay the subsidy back, taking advantage of the taxpayer assistance... Harvey Norman, we’re looking at you! The Australian dollar is at a three month low. But strategists are still forecasting a rise to more than US80 by the end of the year.... A 400 metre long container vessel became lodged diagonally across the Suez Canal on Tues, blocking transit through one of the world’s busiest shipping paths. The value of goods held up by the blockage will build up by $12.5 billion a day. A predicted 17% surge in house prices nationally this year is likely to spur the banking regulator to impose lending restrictions to slow the market and avoid the banks taking on too much risk. The Aus market closed up 0.5pc on Friday, with gains from miners, tech, and energy. The healthcare sector finished down 0.7pc. The weekly tip: take a look at your transactions. Spending a minute or two once a week looking at your latest bank statement can be a real eye opener. Being aware of your spending is a great step towards improving your finances.

08.01.2022 In the wake of the ferocious bushfires in early 2020, many of our clients are now considering what they can do to help. Whether it’s through super, investments or savings, more and more people are reviewing their financial arrangements to ensure their funds are put to work in a way that does no harm, and ideally leaves the world in a better place. If you’d like your money to make a difference to the environment as well as yours and your children’s future, now might be the tim...e to consider being part of the growing trend of ethical investing. Being a more responsible investor involves research and working out exactly how you want your investment decisions to reflect your sustainable and ethical concerns - get in touch we are here to help! Please follow the link to our website for full article https://lanefinancial.com.au/time-to-consider-green-invest/ See more

08.01.2022 THE WEEKLY WRAP-UP: This Tuesday is the anniversary of our 7 week national lockdown, which threw us into our first recession in 30 years. The ASX had it’s first five-day loss in three weeks, biggest losers were energy companies and iron ore miners.... Airtasker helped remove 2000 spiders last year at about $35 a job. Airtasker will list on the ASX on Tuesday with a valuation of $255 mil. Coles is Australia’s 12th largest electricity user, they have signed a power deal with a wind farm as part of a goal to be 100% reliant on renewable energy by the end of 2025 - a great move that we hope is followed by many! Parental contributions to home purchases are averaging $89,000, an increase of nearly 20% in the past 12 months. The weekly tip: Keep your credit report healthy by paying your bills, credit card, and loan repayments on time. You can also reduce credit card limits and keep your applications for credit to a minimum.

08.01.2022 Many people wonder whether investment in property is the right choice for their situation. We can give you clarity and answer your questions about property investments. Our team of Financial Advisors & Finance Brokers work together to form an individualised investment strategy for you, laying out pros, cons and alternatives available. We can help you buy your first investment property or add to your investment portfolio, researching and liaising with lenders on your behalf. W...e will also help you structure your portfolio in a tax effective way. Get in touch, we’re happy to help you reach your financial goals!

07.01.2022 THE WEEKLY WRAP UP: The ASX narrowly avoided a 5 week losing streak by ending the week up slightly. The ASX 200 up 0.1pc. Embattled AMP dropped 9.1pc to $1.40. The Gold sector performed well with Northern Star jumping 11.8pc & Newcrest Mining up 5pc. A revised forecast shows that record low interest rates will fuel a 15% surge in house prices between 2021 and 2023. But prices will fall around 5% until mid-2021. This is much better than first predictions of a decline betwe...en 15-20%. Treasurer Josh Frydenberg tells Rio Tinto to hire an Australian CEO. This comes after pressure from the board forced out CEO Jean-Sebastien Jacques and two senior executives over the detonation of the Juukan Gorge caves. US tech heavy Nasdaq index is down for the third consecutive week, once again led by Apple, Microsoft, Amazon and Alphabet (Google). The Bank of England is considering how to further cut rates which opens the door to negative interest rates. This follows the Reserve Bank of New Zealand's warning last month of its intention to resort to negative interest rates, joining the Bank of Japan and the European Central Bank, whose rates are negative -0.1pc and -0.5pc respectively. A negative rate penalises banks for holding cash reserves at the central bank, setting off a chain reaction of higher asset prices, cheaper borrowing costs and more lending. Australia's unemployment rate dropped to 6.8% in August after the economy gained 111,000 new jobs as most states came out of lockdown. Full-time employment increased 36,200 to 8.58m people and part-time employment increased 74,800 to 3.99m people. See more

06.01.2022 Spring would ordinarily mean the busiest time of year in real estate. But 2020 has been far from ordinary due to the pandemic. While Australia’s property prices have held up relatively well, the longer-term outlook remains uncertain. We saw home values fall across five of our capital cities. The falls ranged from 1.1% in Melbourne to 0.2% in Adelaide. Hobart, Canberra and Darwin, in contrast, all experienced modest price increases, this could be due to low advertised stock l...evels and significant government stimulus. Some experts have suggested the end of mortgage repayment holidays may result in larger price drops this Spring and a potential increase in distressed listings. For property hunters, there may be bargains to be found. Property prices across much of regional Australia have been rising. The largest increases were in regional Tas, Vic and NSW, where prices grew 3.4%, 1.6% and 1% respectively. Based on these findings, this spring we could see priced-out buyers or investors moving into regional markets. Rent values have declined 0.5% nationally over the June quarter, representing the largest fall since 2018. This may be due to closing our borders to immigrants and unemployment in the hospitality, tourism and arts sectors. Interest rates remain at an all-time low after the RBA cut the cash rate to 0.25% in March. The cash rate is unlikely to change until employment recovers. For property hunters this spring, there are some great home loan deals on offer. If you already have a mortgage, it may be worth considering refinancing. Tips for nabbing a bargain this spring: - Arrange pre-approval early to be sure your finances are in order when you find the perfect property. - Connect with local real estate agents and build a rapport, so that they keep you in mind when new property listings come up, you may even hear about off-market deals. - Find out why the vendor is selling to give yourself leverage when negotiating. For e.g. if they’ve bought a new property and need to sell quickly, you may be able to offer a short settlement. Whilst the pandemic has thrown plenty of spanners into the mix, there are still opportunities for savvy buyers. Whether you’re looking for an investment or fresh start in a new home, we’re here to provide the support you need! For full article follow the link to our website https://lanefinancial.com.au/spring-property-market-outloo/

06.01.2022 Thanks Chris, we appreciate your review!

04.01.2022 THE WEEKLY WRAP UP: Australia is now in its first recession since 1990. Recessions occur when our economy experiences two consecutive quarters of negative Gross Domestic Product (GDP). GDP fell 7% in the June Qtr, the largest quarterly decline on record, following a 0.3% decline in the March Qtr. A silver lining to the Victorian lockdown and economic doom is that the household savings rate has jumped to its highest level in 46 years, rising 19%, with consumption decreasi...ng by 12.1%, with many families building their cash buffers. The ASX finished down 2.4pc this week, including a 3.1pc fall on Friday. The Australian Tech sector dropped 5.2pc. Worst performers for the week include IOOF -15.81 and Afterpay -11.89. US Markets are down as technology stocks were sold off. Tech-heavy Nasdaq index falling 9.9pc during Friday’s trading, finishing off the day down 5 per cent. Tesla down 9pc, Apple 8 and Google 5. More good news - the CBA have reported a 17% drop in its unsecured debt (credit cards and personal loans) during the pandemic as customers reassess their priorities and reduce high interest debt to protect household cash-flow. Both CBA and ANZ said that the total figure equates to $2 billion each. Happy Father’s Day to all the Dads! From the team at Lane Financial. See more

04.01.2022 Beginning budgeting is often on people’s financial to-do lists and we can help get you started. We first analyse your financial situation - your earning capacity, your spending, your debt. Then help you to put a budget in place, to minimise wasteful spending and redirect more funds towards a house deposit, investing, paying off debt, creating a savings buffer or other goals. There are different budgets for different situations, some people like to have a strict itemised spend...ing plan, whereas others prefer a more loose simple budget. Budgeting is only one part of the equation, but having your budget under control allows you to then reach other financial goals. Get in touch, we’re here to help you reach your financial goals!

03.01.2022 Mortgage Brokers make the process easier for you - a broker will find the best lender match and manage the whole process, making sure it runs smoothly. We work with people at every stage of the property journey - from budgeting for your first home, getting pre-approval, buying a home, to refinancing. We also specialise in working strategically with those who are accumulating property for investment. Get in touch, we’re happy to help!

01.01.2022 Read these statements and decide if they apply to you. If you answer YES to 3 or more statements, it is likely that you care about where your money is invested and expect it to be invested ethically. We will be sharing more information about ethical investing over the next few weeks. Get in touch if you’d like more information, we’re happy to help!