Index

  • 37 Angels, 171
  • A
  • Absolute return, 117
  • Accessory dwelling unit, 190
  • Accredited investor, 41–42
  • Active funds, 120-121, 143–144
  • Adasina Social Capital, 143
  • Affinity group foundations, 212
  • Affordable housing, 184–186
  • Agriculture, 190–193
    • accredited investor options, 191–192
    • clubs, 192–193
    • investor opportunities, 190–191
  • AgFunder, 192
  • Alternative Investments, 41
  • Aligned portfolio, 53
  • Andrews, Suzanne, 16–17, 171
  • Angel groups, 167
    • female-focused angel groups, 169–173
  • Angel investing, 153
  • AngelList, 173
  • Annual giving plan, sample, 201t
  • Aquacycl, 196
  • Arabesque S-Ray, 136–137
  • Asian Women's Giving Circle, 204
  • Aspiration Bank, 62
  • Asset allocation, 44
    • examples, 44–47
  • Asset classes, 39–42
  • Assets, values-alignment check, 150
  • Astia Angels, 170
  • As You Sow Invest Your Values, 138, 139, 148–149
  • B
  • Balanced thematic funds, 140–141
  • Banking
    • GABV principles, 64
    • online banking capabilities, standardization, 71
    • traditional banking options, 57–59
    • values-aligned banking options, 62–69
  • Bank of America 57, 59
  • Banks
    • account, shifting (effort), 55–56, 69–70
    • business/community supports, 61
    • consolidation, impact, 58
    • digital only, 62
    • mega-banks, 57–59
    • smaller banks, 61
  • Basis points, 120
  • Bavaria, Joan, 133, 148
  • B-Corp financial institutions, 64–65
  • Beardstown Ladies, 29, 261
  • Benchmarks, 48–49
  • Betterment, 115, 233
  • Bogle, John, 119
  • Bond funds, 100–107
    • bond ETFs, comparison, 102
    • function/process, 100–102
    • gender equity bond funds, 106–107
    • green bond funds, 105–106
    • share classes, 105
    • sustainable bond funds, 103–105
    • values-aligned bond funds, 102–107
  • Bonds
    • basics, 90–91
    • call, 91
    • characteristics/terminology, 90–91
    • comparison, 101t
    • coupon, 90–91
    • face value, 91
    • individual bonds, 96–97
    • investment decisions, 109–110
    • issuer, 90
    • maturity, 91
    • non-bond options, 88–89
    • portfolio construction, 96–97
    • potential, 87
    • prices, interest rates, 108
    • ratings, 91–92
    • risks, 107–109
    • types, 93-96
    • values-aligned bonds, 97–100
    • values alignment, 93–96
  • Bonds funds
    • investment, 100–102
  • Brandel, Jennifer, 155
  • Brenner, Clara, 189
  • Brokers, 227–228
  • C
  • Call (bonds), 91
  • Calvert Investment Note, 89, 184
  • Cap size, range, 125t
  • Caretaker (financial archetype), 19, 45–46, 110t
  • Cash, 39, 55
    • alignment, 69–71
    • availability, determination, 56
    • cash alternatives, differences, 78
    • liquidity, 39, 56–57
    • returns, increase, 77
    • shift, effort, 69–70
    • support role, 57
  • Cash alternatives, 40, 77
    • fully insured cash alternatives, 78–80
    • non-insured cash alternatives, 80–85
    • products, comparison, 86t
  • CDs - Certificates of deposit (CDs), 40, 61, 80, 88
    • bank/institution offering, 78
  • CDARS - Certificate of Deposit Account Registry Service, 78, 84
  • CDFIs - Community Development Financial Institutions, 68–69, 190
    • loan funds, 82, 89
    • selection, 62
    • usage/impact, 60, 61
  • Central Valley Giving Circle, 203–204
  • Charitable giving, philanthropic giving (contrast), 200t
  • Charity Navigator, 216–217
  • Climate Bonds Initiative, 99
  • Climate lens investing, 25f
  • CNote, 83–84, 88–89
    • liquidity, understanding, 83
  • Commercial property, community ownership, 187
  • Commercial real estate, 182–190
  • Community development
    • initiatives, 186–187
    • projects, 185
  • Community foundations, 211–212
  • Community loan funds/notes, 183
  • Company
    • direct engagement, 149–150
    • investment, 156
    • life cycle, 157t
    • private companies, investment, 154
    • size, examination, 125–126
  • Concentration risk, 108–109
  • Concessionary investing, 199
  • Conscious investing, 8
  • Corporate bonds, 95
  • Corporate rating sources, 136–137
  • Corporate Social Responsibility (CSR) reports, 136
  • Cortese, Amy, 169
  • Coupon, 90–91
  • Credit cards, 71–72
  • Credit rating, bank change (impact), 71
  • Credit risk (bonds), 107
  • Credit unions, 65–67
    • deposits, NCUA regulation, 65
    • eligibility, 66
    • example, 67–68
    • nonrestrictive credit unions, 66
    • selection, 62
    • social mission, 66–67
    • usage/impact, 60, 61
  • Credit Union Service Organizations, 70
  • Crowdfarming, 191
  • Crowdfunding, 167, 167t, 168–169
    • impact real estate crowdfunding, 185–186
    • platforms, 183
  • Crowdfund Mainstreet, 168
  • Cyclical sectors, 128
  • D
  • Debit cards, 71–72
  • Debt management, 32
    • payments, 158–159
    • revenue-based debt, 162–164, 163t
  • Defensive sectors, 128–129
  • Developed markets, 129
  • Digital Index SMA, 146–147
  • Diversification, 42–44, 109. See also Portfolios; Sectors deepening, 177
    • opportunities, 43
  • Dodd-Frank Act (2010), passage, 58
  • Domini, Amy, 133, 148
  • Donor-advised funds (DAFs), 204–215, 218–219
    • benefits, 207–210
    • consideration, 207
    • controversy, 206–207
    • family involvement, 210
    • impact-first DAFs, 212–213
    • income, unevenness, 208
    • investment options, 210
    • noncash donations, 209
    • planning/management, 207–208
    • process, 205–206, 205f
    • providers, comparison, 213t
    • tax maximization, 208–209
    • types, 211–213
    • usage, 211
  • Due diligence, 196–197
  • E
  • Eakes, Martin, 67–68
  • EarthFolio, 233t
  • Ellevest, 115, 233–234
  • Emerging markets, 129
  • Empire builder (financial archetype), 19, 46–47, 110t
  • Enterprise Community Impact Note, 89, 184
  • ESG - environment, social, and governance
    • criteria, 133
    • factors, prioritization, 147
    • investing, 7–8
    • issues, investment company usage, 9
    • practices, 147
    • scoring, defining/process, 134–135
    • stock funds, investments, 231
  • ETFs - Exchange-traded funds
    • categories, 139–142
    • differences, 121–122
    • values-aligned ETFs,
    • locating, 137–139
  • Ethic, 147
  • Expense ratio, 49
  • Expenses, income coverage, 32
  • F
  • Face value (bonds), 91
  • Federal Deposit Insurance Corporation (FDIC), 60–61, 84
  • Federal Home Loan Mortgage Corporation (FHLMC) (Freddie Mac), 94
  • Federal National Mortgage Association (FNMA) (Fannie Mae), 94
  • Fees
    • examination, 144
    • fairness, 229
    • level, 49
  • Female-focused angel groups, 169–173
  • Fidelity (investment firm), 115
  • Fidelity Women's Leadership (FWOMX), 140–141
  • Fiduciary role/responsibility, 227
  • Financial advisor, 223
  • Financial archetypes, 17–21, 20t
  • Financial crisis (2008), 57–58
  • Financial freedom, 11
  • Financial fulfillment, 11–12
  • Financial habits, formation, 15
  • Financial institutions, impact goals, 63t
  • Financially Independent, Retire Early (FIRE) movement, 34–35, 156
  • Financial plan, usage, 32
  • Financial power, 3, 5–7
  • Financial reports, reading, 239
  • Financial returns, 7–8
  • Financial system, long-term sustainability, 5
  • Fitch bond ratings, 91–92, 92t
  • Fixed income, 40, 87
    • diversification, 109
    • investment examples, 110t
    • non-bond options, 88-89
  • Folio, 233
  • Folsom, Kim, 164
  • Forestry, 193–194
  • Foundations
    • community foundations, 211–212
    • controversy, 206–207
  • Founders First Capital Partners, 164
  • Frontier markets, 129
  • Frusztajer, Lisa, 164
  • Fully insured cash alternatives, 78–80
  • Fund share classes, 105, 139
  • G
  • Gender equity bond funds, 106–107, 106t
  • Gender equity fund, 88–89
  • Gender funding imbalances, 155
  • Gender funds, comparison, 141t
  • Gender lens investing, 25f, 26–27
  • General obligation bonds, 94
  • Giannini, A.P., 59
  • GIIN - Global Impact Investing Network, 193, 231
  • Gilbert, Jay Coen, 65
  • Giving circles, 201–204, 217–218
    • children, involvement, 203
    • diversity, 203–204
    • function, 202–203
    • power, 202
  • Global Alliance for Banking on Values (GABV)
    • banks, 63–64
    • principles, 64
  • Global funds, international funds (contrast), 130
  • Golden Seeds, 170
  • Government agency bonds, 93–94
  • Government-Sponsored Enterprises (GSEs), 94
  • Grace periods, 159
  • Graham, Benjamin, 116
  • Grantee qualities, identification, 216
  • Grants, 199
  • Green bond funds, 105–106, 105t
  • Green Bond Principles, 98
  • Green bonds, 97, 98–99
  • Green buildings, 188
  • Green investing, 8
  • Green Retirement, 256
  • Greenville Women Giving, 204
  • Greenwashing, 98
  • GRI Sustainability Database, 136
  • Growth
    • potential, examination, 126–127
    • value, trade-off, 127
  • Guardian (financial archetype), 18, 46, 110t
  • GuideStar, 216–217
  • H
  • Hesse, Arno, 169
  • High-interest debt, avoidance, 32
  • High-risk ventures (DAFs usage), 211
  • HIP Investor, 184, 185, 234, 251, 257
  • Hope Impact Fund, 184
  • Houlahan, Bart, 65
  • Hull, Kristin, 146
  • I
  • Idealist (financial archetype), 18, 44–45, 110t
  • Impact100 Council, 203
  • ImpactAssets, 174, 214
  • Impact East Bay Circle, 203
  • Impact-first DAFs, 212–215
    • providers, 204
  • Impact investment, 9
  • Impact Investor Landscape, 174
  • Impact issues, understanding, 10
  • Impact levels, 27
  • Impact notes, 89, 89t
  • Impact real estate, 182–190
    • affordable housing, 186
    • community development, 186–188
    • crowdfunding, 185–186
    • green building, 188
    • investing, 183–184
    • private equity, 188–189
    • property ownership, 189–190
    • REITs, 184-185
  • Impact reports, reading, 239
  • Impact Retirement, 256
  • Index funds
    • advantages/diversity/returns, 119–120
    • differences, 121–122
  • Index, term (meanings), 119, 143
  • Industry sectors
    • diversity, confirmation, 127–129
    • types, 128–129
  • Inflation, impact, 32–33
  • Innocent (financial archetype), 19
  • Insured Cash Sweep (ICS), 79, 84
  • Interest rate risk (bonds), 108
  • International Capital Market Association (ICMA), 98
  • Invest for Better, 262, 267
  • Investibule, 168–169
  • Investment. See Alternative investments
    • ability, confidence, 6
    • advisor relationship, 237–240
    • analysis, online tools, 48–49
    • approach
      • selection, 123–124
      • trade-offs, 115–123
    • criteria, 36–39
    • experimentation, 12–13
    • financial advisor, assistance, 123–124, 145–147
    • group, 267
    • heart/mind, usage, 15, 21, 25–27
    • impact, 9–11
    • knowledge
      • confidence, 31
      • power, 264
    • objectives, 36
    • performance, tracking, 48–49, 51
    • preparation, 32–35
    • professional support, 221, 223
    • returns, measurement, 48
    • revenue-based investments, 162–165
    • SDGs (application), 24
    • values, impact, 12
  • Investment clubs, 261
    • curriculum, 271–272
    • education space, 263–264
    • establishing goals, 269
    • leadership, identification, 268
    • member selection, 268–269
    • starting, 267–271
    • virtual options, 271
  • Investment grade bonds, 91–92
  • Investment lens
    • approach, usage, 24
    • SDGs, application, 25f
  • Investment policy statement (IPS), 50–51
  • Investors
    • designations, 42
    • success, 273–274
  • Iroquois Valley Farms, sustainable farmland REIT, 191
  • IRR - Internal rate of rate, 163
  • Issuer (bond), 90
  • K
  • Kassan, Jenny, 166
  • Kassoy, Andrew, 65
  • Kent, Avary, 267
  • Kessel, Brent, 17
  • L
  • Large-cap stocks, small-cap stocks (correlation), 43
  • Learn-by-doing models, 170–172
  • Lee, Hali, 204
  • Leff Cooper, Lisa, 31
  • Lein, Julie, 189
  • Lipman, Jay, 147
  • Liquidity
    • cash, cash alternatives (differences), 78
    • risk, 109
  • Locavesting, 25f, 169
  • Long-term time horizon, 37
  • Losses, withstanding (financial capacity), 38
  • M
  • Marley, Shavon, 84
  • Maturity (bonds), 91, 109
  • Mega-banks, 57–59
  • Mercy Corps, 187
  • Merrill, Charles, 117–118
  • Minimum initial investment, absence, 49
  • Minority funding imbalances, 155
  • Mission-driven investing, 9
  • Money
    • availability, determination, 33, 50
    • growth, 156–157
    • importance, 273
    • investment process, importance, 10
    • nonlinear accumulation, 17
    • relationship, 15
    • safety, 60
    • stories, 16–21
    • theme, constancy, 6
    • values, alignment, 5
    • women, perspective, 4–5
  • Money market deposit accounts, 61, 78, 79–80
    • money market mutual funds, contrast, 81t
  • Money market mutual funds, 80–81
  • Moody's bond ratings, 91–92, 92t
  • Morningstar, 48
    • snapshot, 49
    • stock fund rating, 138–139
    • style box, 126
  • MSCI ESG, 134, 136
  • Municipal bonds (muni bonds), 94–95
  • Mutual funds
    • differences, 121–122
    • performance/diversity, 117–119
  • N
  • NASDAQ 100 Index, 117
  • National charities, 212
  • National Credit Union Administration (NCUA), 60–61, 65, 84
  • Natural Investments Heart Rating, 138, 139
  • Neuberger Berman Municipal bond funds, 104–105
  • Newday Impact, 233t
  • New York Community Trust, 212
  • Next Wave Impact (female-focused angel group), 170, 172, 196, 266
  • Nia Impact Capital, 146
  • Non-accredited investors, 41–42
  • Non-insured cash alternatives, 80–85
  • Non-investment-grade bonds, 91–92
  • Nonrestrictive credit unions, 66
  • No Small Potatoes, 192
  • N-PX reports, access, 149
  • O
  • Oberti Noguera, Natalia, 170
  • Oldanie, Laura, 156
  • Olsen, Sara, 10
  • OpenInvest, 233, 234
  • Orman, Suze, 11
  • P
  • Passive funds, 120–121, 143–144
  • Personal giving plan, 200–201, 215–217
  • Personal property ownership, 183
  • Philanthropy, 199
    • charity vs philanthropy, 199–200
    • donor-advised fund (DAF), 204–215
    • giving circles, 201–204
    • personal giving plan, 200–201
  • Picker, Eve, 185
  • Pierce, Barbara, 270
  • Pipeline Angels, 170–171
  • Plaza 122, 187
  • Pleasure seeker (financial archetype), 18
  • Plum Alley, 170
  • Portfolia, 172
  • Portfolios
    • aligned portfolio, crafting, 53
    • best-case scenario, 3
    • design, 42–48
    • diversification, 42–44, 124–130, 177
    • emotional response, 38
    • expansion, 129–130
    • performance, 48–49
    • rebalancing, 47–48
  • Positive change, creation, 25–26
  • Private companies, investment, 154
  • Private debt, 153, 158–159, 166, 183
    • impact, 186–188
    • usage, 181–182
  • Private investment funds, 167, 167t, 173–174
    • finding, 17
  • Private investments, 41, 153
    • approaches, 167
    • content, understanding, 157–158
    • experience, leverage, 156
    • models, 155, 166t
    • risks, 154–157
  • Private investor, process, 166–168
  • Promise Account, 84
  • Property ownership, 189–190
  • Proxies, 149
  • Proxy Preview, 150
  • Public equities, 40, 113, 133. See also Stock Funds and Stock Market.
    • education, reasons, 114–115
    • ETFs, performance, 121–122
    • funds, advantages, 116
    • growth/value stock tradeoff, 127
    • investment, 130t–131t
    • products, trade-offs, 124t
    • products, comparison, 123t
    • values alignment, status, 133–151
  • Q
  • Quakers, investment restrictions, 3
  • R
  • Racial equity fund, 88–89
  • Real rate of return, 56
  • REIT - Real estate investment trust
  • Registered Investment Advisors (RIAs), 227
  • Reinvestment Fund, 89
  • Reinvestment, options, 122
  • Remmer, Ellen, 262
  • Renewable energy, 179–182
    • backing, private debt/equity, 181–182 ETFs, 180t–181t
    • investment, 180
  • Renewable energy funds, comparison, 142t
  • Republic, 168
  • Residential real estate, 182–190
  • Retail funds, 105
  • Retirement accounts, 34, 243
    • activate employer accounts, 250-257
    • amount requirement, 34–35, 50
    • pre- and post-tax, 245
    • roll over, 247
    • Self-Directed IRAs, 248-250
    • Solo 401(k), 248, 250
    • types, 245-247, 246t
  • Returner (investment type), 45–46, 110t
  • Return on investment (ROI), 163–164
  • Returns
    • cash/cash alternatives differences, 78
    • expectations, achievement, 161
    • maximization, 124
  • Revenue-based debt, 162–164, 163t
  • Revenue-based equity, 164–165
  • Revenue-based investments, 162–165
  • Revenue bonds, 94
  • Rising Tide pilot, 171
  • Risk
    • cash/cash alternatives differences, 78
    • mitigation, diversification (usage), 43–44
    • tolerance, 36, 38–39
  • Risk-return characteristics, 39
  • Risk-return spectrum, 38f
  • Robasciotti, Rachel, 143
  • Robb, Alicia, 170, 266
  • Robinhood, 115
  • Robo-advisors 114, 224, 227, 248
    • female-focused, 233–234
    • values-aligned, 232–233
  • RSF Social Finance, 214
    • Food System Transformation Fund, 214
    • Social Investment Fund, 82
  • Russell 3000 Index, 117
  • S
  • Salmon Innovation Fund, 192
  • Saver (financial archetype), 18–19, 45
  • Saving, importance, 32–33
  • Savings accounts, activation, 55
  • Scholz, Astrid, 155
  • Schwab (investment firm), 115
  • Sectors
    • concentration, 144–145
    • diversification, 128t
    • sector-focused thematic funds, 141–142
  • Self-Directed IRAs, 248-250
  • Self-Help Federal Credit Union, 68
  • Sensitive sectors, 129
  • Separately managed accounts (SMAs), 145
    • access, 146
    • actively managed SMAs, 145–146
    • digital index SMAs, 146–147
  • Shareholder advocacy, 147–150
    • success stories, 148
  • Short-term time horizon, 37
  • Slow Money Institute, 192
  • Slow Money movement, 169, 192
  • Small business, definition, 155
  • Small Change, 185–186
  • Social bond funds, 106–107, 106t
  • Social bonds, 97, 100
  • Social investing, 9
  • Social justice investing, 25f, 143
  • Socially responsible investing (SRI), 8
  • Social Security, impact, 34
  • SOIL Network, 192–193
  • Solo 401(k), 248, 250
  • South Africa, divestiture demands, 3
  • Spending
    • earning, relationship, 16–17
    • pleasure/remorse, 16
  • Spread, term, 93
  • Standard & Poor's (S&P) bond ratings, 91–92, 92t
  • Star (financial archetype), 19
  • Starbucks Sustainability Bond, 96
  • Steward Farm Trust, 191
  • Stock funds, 116, 117–123
    • active vs passive, 145–146
    • fees, 146
    • rating sources, 138–139
    • target-date, 140
    • target-risk, 140
    • thematic funds, 140–145
    • values-aligned, 137–143
  • Stock market
    • cap size, range, 125t
    • decline, 13
    • indices, 117
    • geography (usage), 129–130
  • Stocks
    • concentration, 144–145
    • donation, example, 209t
    • research, simplification, 139
    • returns/investment, 115–116
    • values-aligned stocks, locating, 135–136
  • StormSensor, 196
  • Sustainable bond funds, 103–105, 140t
  • Sustainable bonds, 97, 99
  • Sustainable Development Goals (SDGs), 22–25, 97
    • application, 24, 25f
    • bonds, intersection, 100
    • investment lens approach, usage, 24
    • priorities, 27, 28
    • usage, 22, 23f
    • visual, 23
  • Sustainable food clubs, 192–193
  • Sustainable investing, 9
    • female/millennial interest, 5
    • performance, 7–8
  • T
  • Tangible assets, 177
  • Target-date funds, 140
  • Target-risk funds, 140
  • Tax consequences, understanding, 239
    • maximization, 208–209
    • tax-deferred/tax-exempt retirement accounts, usage, 35
  • Thematic bonds, 97, 99–100
  • Tides Foundation, 214–215
  • Time horizon, 36–38, 39
  • Time, impact, 37
  • Trailing returns, usage, 103
  • Treasuries, 93
  • Treasury Bills (T-Bills), 93, 93t
  • Treasury Bonds (T-Bonds), 93t
  • Treasury Notes (T-Notes), 93t
  • Triskeles Foundation, 214, 215
  • Tsai, Gerald, 118
  • Turnover, 49, 194
  • Twist, Lynne, 17
  • Two-pocket thinking, 25–26
  • U
  • United Nations Conference on Sustainable Development, 22
  • Urban Innovation Fund, 189
  • U.S. households, median net wealth, 33
  • V
  • Value investing, values-aligned investing (contrast), 116
  • ValuesAdvisor, 236–237
  • Values-aligned financial advisors, 226
    • alignment/litmus test, 230–231
    • attributes, 226–230
    • finding new, 236–237
    • robo-advisors, 232–234
  • Values-aligned investing, 9
    • impact levels, 27
    • landscape, 26f
    • value investing, contrast, 116
  • Venture funds, 183
  • Verizon Communications, 99
  • Village Capital, 165
  • W
  • Water
    • angel investments, 196
    • investments, 194–196
    • mutual funds/ETFs, 195t
    • venture funds, 196
  • Wealth creation, 25–26, 32
  • Wealth percentiles, 34t
  • Wealthsimple, 233
  • WeFunder, 168
  • Wingpact, 171
  • Wisdom Fund, 88–89
  • Women
    • financial power, 3, 5–7
    • money discussion, 262–267
    • priorities, financial system undervaluation, 4
    • risk, considerations, 38–39
    • savings rate, 6
  • Women's Philanthropy Institute, 199
  • Women with Capital, 270–271
  • Worthy Bonds, 85
  • Wunder Capital, 181, 182
  • Z
  • Zebras Fix What Unicorns Break, 155
  • Zepeda, Mara, 155
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