Subject: Who Rules the Investment World? Women and Millennials!
From: "Tom Croft" <[email-masked]>
To: <[email-masked]>
Date: Thu, 25 Jan 2018 07:18:31 -0500 (EST)

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January 25, 2018
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Who Rules the Investment World? Women & Millennials!

Dear H,
Investing has long carried a stigma of something old men in cigar-filled rooms or
white shirts on Wall Street pondering how to carve up the world. Thankfully a shift
has started to occur. It is estimated that by 2030, nearly 2/3 of the nation's wealth
will be controlled by women (as of 2017, that number was already at 60%). With 95%
of women being financial decision makers and nearly half being the primary breadwinners
at home, you've come a long way baby!
This week women marched in cities and towns across the U.S. to keep that shift moving
in the right direction. Women gathered to lift up, encourage, and support one another
to, among other things, run for office, take a stand against discrimination...#TimesUp...and
push for a more inclusive, sustainable society. We've long followed corporate governance
and leadership accountability campaigns that prove when women join boards of directors
and top management, companies become more responsible and tend to perform better.
But women have an even greater chance to shape long-term investments in the corporate
world, and how companies are governed.
Millennials also possess a deep-rooted belief in being socially conscious but do
 not always take the time to learn how to use their investment dollars or are bullied
by traditional investment advisers (opting to let the funds ride in employer selected
options). The Millennial is the Message [http://r20.rs6.net/tn.jsp?f=001flSbmsMvne5cQudOyCVBHgXFOkda0wkKEie0cMloV5gzyuxtlsJBS4UOIwqfiGj33-0VeXdCZbT1MHYP62dMP-L7RNU5nWdmGpNkCCtT-VPc6aosPtWWBdGbXyKhzVIAXiq-ITnR4UWCMCWzvZDR7oc8Bs85X1ZIHMOe0soTwEMDmSh_E8Vwsm4omXTD6S1vaTJGGyfcKZ6zC7zi3Bvr8OO1zAW04Ux30XmsEq0Db1p093Sgu4nNUnLE17i_9b0fcTga2RN7FRRqYTO-2hG31IReOzo8HxTL&c=6DzKSdwKgvaiX9Go2XF9puKMmrqBbb4TwMrpQ4MjenmterjMId5-vA==&ch=P0Fkm4Wet0TM4RT4g69ZlgN9EfC8uy4Ti95wHwBQMUlDo0Y4kyOT5A==]
from Corporate Knights and Banking on Data to Power the Impact Investing Movement
[http://r20.rs6.net/tn.jsp?f=001flSbmsMvne5cQudOyCVBHgXFOkda0wkKEie0cMloV5gzyuxtlsJBS4UOIwqfiGj3cpyEmQSO_lcMcoCDP7kLqiyYGqJ71BklseAoHfFXFH4UxDYRkHCjEzS8o2v100128iquFboMpxQXJrDWuWmajXn24tEYoCD2k1RtJEMDlHNBj_c9_52ZNFKTC8v0T09puV8fLRAAuH4PLUFswwpW4RIe8yhjTDv6-pzbtTSifSIGwTriajnlBHRu8xsLRKCf&c=6DzKSdwKgvaiX9Go2XF9puKMmrqBbb4TwMrpQ4MjenmterjMId5-vA==&ch=P0Fkm4Wet0TM4RT4g69ZlgN9EfC8uy4Ti95wHwBQMUlDo0Y4kyOT5A==]
from Green Money Journal both provide positive views on millennial interest in investing.
It's true, as the headline states...women rule the financial world (and millennials
not far behind) but they don't always take control of their own assets. Since 2014,
these groups have helped doubled ESG assets to more than $8.1 trillion worldwide.
Here at Heartland we always strive to educate the working families and the next 
generation of responsible investors as demonstrated through our Responsible Investor
Handbook, the Labor Capital Fellowship [http://r20.rs6.net/tn.jsp?f=001flSbmsMvne5cQudOyCVBHgXFOkda0wkKEie0cMloV5gzyuxtlsJBS4UOIwqfiGj3_wHMUhcmHXcHfrD3RDCNyNmgx-3bZ8AbwWZ0IDIwT65LOAl1UKkHPMYjCtFKZQWLmtpiVpmQS4wxcUCcUZACeLz5fOzz-2ffXOjreG0Z8EbLikoqEMwypppDJJW3jSLzMRuqHFMGHVuItQSd-Nbi6nOzEY8J1_oZzoWgYHlOqGr3XK7VEX9yhE8qdzhIRzgOy2ZH2QSa5ZV5ZRCrRoC4Zw==&c=6DzKSdwKgvaiX9Go2XF9puKMmrqBbb4TwMrpQ4MjenmterjMId5-vA==&ch=P0Fkm4Wet0TM4RT4g69ZlgN9EfC8uy4Ti95wHwBQMUlDo0Y4kyOT5A==]
with Georgetown University, webinars [http://r20.rs6.net/tn.jsp?f=001flSbmsMvne5cQudOyCVBHgXFOkda0wkKEie0cMloV5gzyuxtlsJBS75pp9noPWCBEyZ_e0WTWcst6ecNAEjL_QM58mJ_KyIYMT5nJ4RK_MqQgb8xOK_cScg7Krg7__Siw0JaKeImX3iaH1Y9NxEkXglnZF3AK1LRhusBnkQQuNVx0Bq8Ji0zT4BnU4LEix2SQyPFQvQ0vVJOs4HHGVkPGL3Jg4DKvusGtD_Qhzucet_mEV8DZEUk9g==&c=6DzKSdwKgvaiX9Go2XF9puKMmrqBbb4TwMrpQ4MjenmterjMId5-vA==&ch=P0Fkm4Wet0TM4RT4g69ZlgN9EfC8uy4Ti95wHwBQMUlDo0Y4kyOT5A==],
and more.
We speak to the importance of these two demographics in this issue of the Thursday
Espresso with the following articles:

* John Waggoner from Investment News discusses that ESG funds boosted by women and
millennial investors has spurred advisers to do their homework in supporting the
 demand.
* Financial Advisor Magazine has developed a series around Women Leaders in Sustainable
Finance demonstrating the various roles women are playing in advancing social impact
enterprises.
* Finally, Vanessa McGrady wrote a great piece supporting why we continue our mission
of educating the next generation. Millennials Like Social Conscious Companies, But
Don't Invest In Them backs up the importance of social causes, but that "Millennials
say they don't understand these kinds of fund," when it comes to investing.
Remember - one for all and all for now!
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SOCIAL
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LINKS OF
INTEREST

Heartland Capital Strategies [http://r20.rs6.net/tn.jsp?f=001flSbmsMvne5cQudOyCVBHgXFOkda0wkKEie0cMloV5gzyuxtlsJBS2Wefur5ER09IH4pzqSpF0WUDDJcqvg3OasGkcQzIdOLCWn-q1E4T2m8iLzQyQ0BWthFlRYhe0xf5Xso4rr6oMnUlYLHMyVH1ze1ujH1eJnxygsZw29pityTkABGQAXGDA==&c=6DzKSdwKgvaiX9Go2XF9puKMmrqBbb4TwMrpQ4MjenmterjMId5-vA==&ch=P0Fkm4Wet0TM4RT4g69ZlgN9EfC8uy4Ti95wHwBQMUlDo0Y4kyOT5A==]
Responsible Investor Handbook [http://r20.rs6.net/tn.jsp?f=001flSbmsMvne5cQudOyCVBHgXFOkda0wkKEie0cMloV5gzyuxtlsJBSzmcVsb6Mob7RJcWTXRIqHahDcyDiIFUkD85IUVZmMGsd2p26Ibk1PxdkjgUDccJbKJzpqvzidbfyuqdU4fbNU5Utp6VVGd9j5BMdWMPQMh4FtsPeKtkwbJtolpC43KYrTeaYKs-JbZ9JgHGMRQFG8zvMIPCGTjAiYbjgjWBuCi2&c=6DzKSdwKgvaiX9Go2XF9puKMmrqBbb4TwMrpQ4MjenmterjMId5-vA==&ch=P0Fkm4Wet0TM4RT4g69ZlgN9EfC8uy4Ti95wHwBQMUlDo0Y4kyOT5A==]
Heartland Webinar - RI & the Labor Movement: A Love Story!
February 16, 2018
Featuring Keith Mestrich, Amalgamated Bank
Register Today [http://r20.rs6.net/tn.jsp?f=001flSbmsMvne5cQudOyCVBHgXFOkda0wkKEie0cMloV5gzyuxtlsJBS75pp9noPWCBEyZ_e0WTWcst6ecNAEjL_QM58mJ_KyIYMT5nJ4RK_MqQgb8xOK_cScg7Krg7__Siw0JaKeImX3iaH1Y9NxEkXglnZF3AK1LRhusBnkQQuNVx0Bq8Ji0zT4BnU4LEix2SQyPFQvQ0vVJOs4HHGVkPGL3Jg4DKvusGtD_Qhzucet_mEV8DZEUk9g==&c=6DzKSdwKgvaiX9Go2XF9puKMmrqBbb4TwMrpQ4MjenmterjMId5-vA==&ch=P0Fkm4Wet0TM4RT4g69ZlgN9EfC8uy4Ti95wHwBQMUlDo0Y4kyOT5A==]
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ECOSYSTEM PARTNERS

Sleigh Strategy, LLC
Robert Samuel
===========
Fellowship
Sponsors
Sponsors & Fellow Hosts
Fellow Hosts
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ESG Funds Boosted by Women and Millennial Investors
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Women and millennials are responsible for the doubling of ESG assets to $8.1 trillion
worldwide since 2014 - and you can expect that trend to continue.
The obvious reason: They have more money, said Jordan Farris, head of ETF product
development at Nuveen Investments, speaking at an  InvestmentNews Innovators in 
Investing event in New York City.
"Women now control up to 50% of the wealth in the country, and millennials will 
be the recipients of that wealth in coming decades," he said.
Not only do they have more money, they have more interest in ESG, which stands for
environmental, social and governance investment guidelines. According to Mr. Farris,
90% of millennials are interested in ESG strategies, as are 80% of women.
Another factor driving ESG is the growth in available data about companies via the
internet. [READ MORE [http://r20.rs6.net/tn.jsp?f=001flSbmsMvne5cQudOyCVBHgXFOkda0wkKEie0cMloV5gzyuxtlsJBS4UOIwqfiGj3i7JF63Cyx8cPG2ZYTE8HpB92DB4b0Dk5yk8EAhJAMUDuQG4CoPn1lx3DDd8Gj9HRKj4nTQNTQDb8ANlkqViCJppl95uLqq1_DhjV7EG2LlpXZ8iSZVM5GGPJTlZrYiV8-xXZQDVy8WQtn42M1faQvOCOufHrjaRiJLRKx8_PqtvIQjccWQBm8Z4ywTrMyUFZIECmlStgOXcjxKQYm2_PsyNkn0j5OOJoxj90zEGJmT4=&c=6DzKSdwKgvaiX9Go2XF9puKMmrqBbb4TwMrpQ4MjenmterjMId5-vA==&ch=P0Fkm4Wet0TM4RT4g69ZlgN9EfC8uy4Ti95wHwBQMUlDo0Y4kyOT5A==]]
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Women Leaders in Sustainble Finance
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Women leaders in sustainable finance are using their industry experience to incorporate
two trends into their roles as investment advisors, asset managers, research analysts
and financial services executives. One is the exponential growth in the use of non-financial
data to drive investment performance and risk management. The second is educating
the financial advisor community in the use of this data to create environmental,
 social and governance (ESG) investment impact on behalf of investors.
The CEO of Arabesque, a global asset management firm using self-learning quant models
said recently in Barron's that 90 percent of the world's data is only a couple of
years old and perhaps 10 percent of all non-financial data related to corporate 
environmental, social and governance (ESG) factors is currently available for analytical
use.
What excites Colleen Denzler, who is CIO (designee) of First Affirmative    Financial
Network and President of the SRI Conference, about this burgeoning source of information
on companies is the opportunity for the industry to find quantitative and qualitative
balance. "Bringing these two ways of thinking will help investors and advisors understand
the components of investing in SRI and how it benefits them," she said. These collaborative
firms were founded in 1988 and 1989, respectively. Both were purchased by FOLIOfn
in 2016.
[READ MORE [http://r20.rs6.net/tn.jsp?f=001flSbmsMvne5cQudOyCVBHgXFOkda0wkKEie0cMloV5gzyuxtlsJBS4UOIwqfiGj3Ns3wjkhVzkR2FkviTN7vsqDpJLsbLawS3bUh5Q-r8IcYYI8TJ9hsBPvxuvCALR5UOUskPtGWyz3ct8eDNjF9r2nU2K5EtgWBkxcwtfrHIjhaM6oeyADTWdpVztiww0_saSANVsh7O7J0NsJicsCyK60R0IPsb4u2l01F9lS_oNBP4RZQP5bYJDVQxgWp99WTbk-6l1-xPJNNulNn_f1Rig==&c=6DzKSdwKgvaiX9Go2XF9puKMmrqBbb4TwMrpQ4MjenmterjMId5-vA==&ch=P0Fkm4Wet0TM4RT4g69ZlgN9EfC8uy4Ti95wHwBQMUlDo0Y4kyOT5A==]]
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Millennials Like Socially Conscious Companies, But Don't Invest In Them
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A new survey from Swell Investing, a firm that focuses on socially and environmentally
responsible investing, found that while most Millennial investors (78%) seriously
consider a company's impact on the earth and its people and shop accordingly, only
24% have actually taken actions to invest their money where their morals are.
Swell's CEO Dave Fanger says the majority of Swell's clients are between 25 and 
44. "These are people who have grown up with immediate access to information. With
a swipe on their smartphone they can find out a company's policies around its workforce
and the environment. This has inspired a need to know more but also to do more. 
We're big believers that people do the right thing once they are presented with 
the right information."
Stefanie O'Connell is a millennial money expert and author of The Broke and Beautiful
Life. "You'll see headlines pop up all the time about how Millennials are 'killing'
the diamond industry or casual chain restaurants, and I think that's because it's
easy to draw that correlation. If you're worried about fair trade, you know supporting
the diamond industry could be problematic. If you're worried about your health and
wellness, you know that eating at Applebee's might not be your best bet." she said.
"But when it comes to investing, most Millennials don't even have a vocabulary for
how to begin investing, much less how to make socially responsible investments."[READ
MORE [http://r20.rs6.net/tn.jsp?f=001flSbmsMvne5cQudOyCVBHgXFOkda0wkKEie0cMloV5gzyuxtlsJBS4UOIwqfiGj3E9CYHNzNJLjmaUWTdh3Ylu4Yo7Da6bdXc9SupwNJWBWjMofVYdRO9QCyw8biIjeYN--4iHPblqdmS16_NOxf4y1ShPPNlAN6KGe-45BpRjPwgboBvBxolgedunoMi_fJwEQcgrD2LSSB-BvH6e6RVy7PtPRL37AFka0zpv2iZeTI764UkNe0Two1ny_WjmsU0qPtnUT2tDntIB_utcpu0qPPEQzI7HUqf1JOQ3z7-wdbqYRfcX2D0bQlL0_0Qc4H&c=6DzKSdwKgvaiX9Go2XF9puKMmrqBbb4TwMrpQ4MjenmterjMId5-vA==&ch=P0Fkm4Wet0TM4RT4g69ZlgN9EfC8uy4Ti95wHwBQMUlDo0Y4kyOT5A==]]
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Heartland Capital Strategies [http://r20.rs6.net/tn.jsp?f=001flSbmsMvne5cQudOyCVBHgXFOkda0wkKEie0cMloV5gzyuxtlsJBS5IG5c6fniwT3cCCiXfOn7f-v3KruCeAged_KAfjXmH45Y7IUgOdk9L5UGpT_6Vlzu8LbDYGnJvwSc4enqlDTp1QzPInUOvMcleRv_dpsnnhszcmTcH_fKScya7mPv8x2g==&c=6DzKSdwKgvaiX9Go2XF9puKMmrqBbb4TwMrpQ4MjenmterjMId5-vA==&ch=P0Fkm4Wet0TM4RT4g69ZlgN9EfC8uy4Ti95wHwBQMUlDo0Y4kyOT5A==]
fosters a "Community of Practice" for responsible economic impact investments. Heartland
promotes strategic responsible investments to rebuild the rebuilt environment, renew
the industrial commons, grow the clean economy, and make the boss more accountable.
Inspired  by the United Nations Principles for Responsible Investment (PRI),  Heartland
Capital Strategies (HCS) promotes investments and projects  essential for revitalizing
our productive economy and community  prosperity.

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