Easy as Pie Portfolio

Divesting from fossil fuels just got a lot easier. A prominent Canadian mutual fund company - IA Clarington - recently announced that their Enhance Global Equity Fund (subadvised by Vancity credit union) has removed all exposure to fossil fuel companies.

This portfolio is the absolute simplest I could make it. It is 100% RRSP and TFSA eligible, and the annual management fee is 0.95%.

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Global Equity 60% IA Clarington Inhance Global Equity SRI Class F-Series (CCM5013)

Government Bonds 30% iShares 1-10 Year Laddered Government Bond Index ETF (CLG)

Impact Bonds 10% Oikocredit Global Impact GIC

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Fossil Fuel Free Portfolio

The equity portion of this portfolio consists of global sector funds, and excludes the following sectors: Energy, Materials, Utilities, and Infrastructure.  It is as diversified as possible, yet contains no extractive companies, major carbon emitters, or pipelines.  The total annual cost of this portfolio is about 0.43%.

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Real Estate                         2.5%    iShares Global Real Estate Index ETF (CGR)

Healthcare                          5%      S&P Global Healthcare Index Fund (XHC)

Industrials                           5.5%      S&P Global Industrials Index Fund (XGI) 

Water                                   5%      S&P Global Water Index Fund (CWW)

Consumer Discretionary      5%      S&P Global Consumer Discretionary Index Fund (XCD)

Consumer Staples               4.5%      iShares Global Consumer Staples Fund (KXI)

Technology                          7.5%      Technology Select Sector SPDR Fund (XLK)

Cleantech                            4%      PowerShares Cleantech Portfolio (PZD)

Green Energy                      4%     NASDAQ CleanEdge Green Energy Index Fund (QCLN)

Environmental Services       4.5%     Market Vectors Environmental Services ETF (EVX)

Financials                           10%      iShares Global Financials Fund (IXG)

Telecommunications          2.5%      iShares Global Telecom Fund (IXP)

Canadian Gov’t bonds      30%     iShares DEX All Government Bond Index Fund (XGB)

Community Bonds            10%     ZooShare Biogas Co-operative 7-yr 7% bonds

 

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Organic Couch Potato Portfolio

This portfolio is simple, with a positive environmental impact.  It is very diversified, yet places a strong bet on the emergence of a low-carbon economy.  The total annual cost of this portfolio is 0.39%.

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Canadian Equity   15%      iShares Jantzi Social Index (XEN)

US Equity            15%      iShares MSCI USA ESG Select Social Index (KLD)

Int'l Equity          10%      iShares MSCI EAFE ESG Optimized ETF (ESGD)

Int'l Equity           5%       iShares MSCI EM ESG Optimized ETF (ESGE)

Green Equity        15%      PowerShares Cleantech Portfolio (PZD)

Canadian Bonds    30%     iShares DEX All Government Bond Index Fund (XGB)

Solar Bonds          10%     SolarShare Community Bonds

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Socially Responsible Portfolio

This portfolio is very basic, and eliminates the 'sin sectors' like tobacco, military weapons, and companies with the lowest sustainability scores in their sector.  The total annual cost of this portfolio is 0.84%.

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Canadian Equity   20%       iShares Jantzi Social Index (XEN)


US Equity             20%        iShares MSCI USA ESG Select Social Index (KLD)


International Equity        20%        Meritas International Equity Fund F-Class (SRI305)

Canadian Bonds    30%      PH&N Community Values Bond Fund

Microfinance         10%       Oikocredit Canada - Central Bond

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Don't let your money do things you wouldn't