Introduction      Lee Coates OBE                    Director:        Ethical Money (Aus)       Ethical Investors (UK)     ...
Cruelty Free Money      – What is it?  The most holistic form ofethical/responsible investment,     saving and banking
Cruelty Free Money– When did it start?   1992 in the UK
Cruelty Free Money – What are the issues?          My    “Three Pillars”          ofresponsible investment
Cruelty Free Money– What are the issues?
Cruelty Free Money          – What are the issues?People:•   Manufacture and sale of weapons•   Human Rights abuse•   Chil...
Cruelty Free Money          – What are the issues?Planet:•   Deforestation (Palm Oil)•   Climate Change•   Pollution•   Ex...
Cruelty Free Money           – What are the issues?Animals:•   Live Exports•   Animal testing•   Intensive farming•   Fur•...
Cruelty Free MoneyBack to Basics:• Banking• Saving/investment• Superfunds
Cruelty Free Money –          Back to BasicsThe Banks:
Cruelty Free Money –                Back to BasicsThe Banks:How do they make their money?• Lending to individuals• Lending...
Cruelty Free Money –                Back to BasicsThe Banks:Individual Lending•   Personal Banking•   Personal Loans•   Mo...
Cruelty Free Money –                Back to BasicsThe Banks:Individual Lending – Just whose money is it?Average Deposit Ra...
Cruelty Free Money –                Back to BasicsThe Banks:Lending to Companies –Arms ManufacturersLive ExportersNative F...
Cruelty Free Money –            Back to BasicsThe Banks:Moral issue No:1 Unless you control how your money is used, it wil...
Cruelty Free Money –              Back to BasicsSavings and long term investment:
Cruelty Free Money –              Back to BasicsSavings and long term investment:• Mostly investment in companies (Equitie...
Cruelty Free Money –               Back to BasicsSavings and long term investment:Equities and Bonds –            THIS IS ...
Cruelty Free Money –               Back to BasicsSavings and long term investment:Equities and Bonds –          REALLY IMP...
Cruelty Free Money –              Back to BasicsSavings and long term investment:  If YOU own SHARES in a COMPANY – YOU ar...
Cruelty Free Money –              Back to BasicsSavings and long term investment:     When the Directors expand their LIVE...
Cruelty Free Money –              Back to BasicsSavings and long term investment:                    They are doing it    ...
Cruelty Free Money –              Back to BasicsSavings and long term investment:  If you don’t invest direct in shares, t...
Cruelty Free Money –              Back to BasicsSavings and Investment:Moral issue No:2  Unless you dictate the values app...
Cruelty Free Money –                Back to BasicsSUPERFUNDS
Cruelty Free Money –                Back to BasicsSUPERFUNDSIt is possible to invest in:•   Direct shares•   Managed Funds...
Cruelty Free Money –                Back to BasicsSUPERFUNDS        MAKE SURE IT IS INVESTED       IN LINE WITH YOUR VALUE...
Cruelty Free Money –                   Back to BasicsSUPERFUNDSCommon Industry Fund holdings (from some of the largest Sup...
Cruelty Free Money –               Back to BasicsSummary: Who should invest responsibly?• Individuals with personal values...
Cruelty Free Moneywww.crueltyfreemoney.com
Cruelty Free Money speaking tour, Australia, May  2012
Cruelty Free Money speaking tour, Australia, May  2012
Cruelty Free Money speaking tour, Australia, May  2012
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Cruelty Free Money speaking tour, Australia, May 2012

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Here is a copy of the slide presentation from my mini lecture tour in Australia in April/May 2012. There is an Audio track with each slide but you will need to download the Presentation to hear it (23Mb).
I spend some time looking at the principles of Cruelty Free Money and then look at the way in which the Banks, Investment and Superfund companies invest YOUR money without consulting you. You might be quite shocked, especially when it comes to where the largest Superfund providers invest their customers' money.

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Cruelty Free Money speaking tour, Australia, May 2012

  1. 1. Introduction Lee Coates OBE Director: Ethical Money (Aus) Ethical Investors (UK) Ethical Screening (UK)
  2. 2. Cruelty Free Money – What is it? The most holistic form ofethical/responsible investment, saving and banking
  3. 3. Cruelty Free Money– When did it start? 1992 in the UK
  4. 4. Cruelty Free Money – What are the issues? My “Three Pillars” ofresponsible investment
  5. 5. Cruelty Free Money– What are the issues?
  6. 6. Cruelty Free Money – What are the issues?People:• Manufacture and sale of weapons• Human Rights abuse• Child labour• Climate Change• Nuclear Energy• “Sin areas”
  7. 7. Cruelty Free Money – What are the issues?Planet:• Deforestation (Palm Oil)• Climate Change• Pollution• Extractive Industries *
  8. 8. Cruelty Free Money – What are the issues?Animals:• Live Exports• Animal testing• Intensive farming• Fur• Climate Change
  9. 9. Cruelty Free MoneyBack to Basics:• Banking• Saving/investment• Superfunds
  10. 10. Cruelty Free Money – Back to BasicsThe Banks:
  11. 11. Cruelty Free Money – Back to BasicsThe Banks:How do they make their money?• Lending to individuals• Lending to companies• Financial Trading
  12. 12. Cruelty Free Money – Back to BasicsThe Banks:Individual Lending• Personal Banking• Personal Loans• Mortgages• Credit Cards
  13. 13. Cruelty Free Money – Back to BasicsThe Banks:Individual Lending – Just whose money is it?Average Deposit Rates - 4%Average Mortgage Rates - 6.5%Average Personal Loan Rates - 8.7%Average Credit Card Rates - 17%
  14. 14. Cruelty Free Money – Back to BasicsThe Banks:Lending to Companies –Arms ManufacturersLive ExportersNative Forest loggersAnimal testingUsing child labour in productionPollutersand so on, and so on
  15. 15. Cruelty Free Money – Back to BasicsThe Banks:Moral issue No:1 Unless you control how your money is used, it will be used to finance things you don’t want support.
  16. 16. Cruelty Free Money – Back to BasicsSavings and long term investment:
  17. 17. Cruelty Free Money – Back to BasicsSavings and long term investment:• Mostly investment in companies (Equities and Bonds)• Can be Commercial Property• Can be infrastructure
  18. 18. Cruelty Free Money – Back to BasicsSavings and long term investment:Equities and Bonds – THIS IS IMPORTANT
  19. 19. Cruelty Free Money – Back to BasicsSavings and long term investment:Equities and Bonds – REALLY IMPORTANT
  20. 20. Cruelty Free Money – Back to BasicsSavings and long term investment: If YOU own SHARES in a COMPANY – YOU are an OWNER of that company. The Directors act in the interests of YOU, the OWNER So.............................
  21. 21. Cruelty Free Money – Back to BasicsSavings and long term investment: When the Directors expand their LIVE EXPORTS, their ANIMAL TESTING, increase the number of BATTERY CAGES....
  22. 22. Cruelty Free Money – Back to BasicsSavings and long term investment: They are doing it FOR YOU and with YOUR AGREEMENT
  23. 23. Cruelty Free Money – Back to BasicsSavings and long term investment: If you don’t invest direct in shares, then what about –• Insurance Savings plans• Unit Trusts• Managed Funds
  24. 24. Cruelty Free Money – Back to BasicsSavings and Investment:Moral issue No:2 Unless you dictate the values applied to your investments, there may be no values applied at all
  25. 25. Cruelty Free Money – Back to BasicsSUPERFUNDS
  26. 26. Cruelty Free Money – Back to BasicsSUPERFUNDSIt is possible to invest in:• Direct shares• Managed Funds• Property• Infrastructure
  27. 27. Cruelty Free Money – Back to BasicsSUPERFUNDS MAKE SURE IT IS INVESTED IN LINE WITH YOUR VALUES Because if you don’t.........
  28. 28. Cruelty Free Money – Back to BasicsSUPERFUNDSCommon Industry Fund holdings (from some of the largest Superfunds): BHP RIO Wesfarmers Woolworths (Coles) Elders Cochlear GlaxoSmithkline Qantas Gunns NuFarm (GM) TATTS Nippon MacDonalds Dassault Charoen Meatpackers Pokphand Food Canadian Oil Burberry BP BaE Systems Sands
  29. 29. Cruelty Free Money – Back to BasicsSummary: Who should invest responsibly?• Individuals with personal values/beliefs• Charities/Not-for-Profit• Ethical Businesses• Trade Unions
  30. 30. Cruelty Free Moneywww.crueltyfreemoney.com

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